Zachary Frangos is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience since joining the firm in 1982. A 1977 graduate of the United States Coast Guard Academy, he served as an officer on active duty and in the reserves for 19 years. Zach holds an MBA in Finance from Old Dominion University and has earned the Chartered Retirement Planning Counselor™ (CRPC™) designation as well as the Personal Investment Advisor (PIA) credential. He is a qualified Portfolio Manager, providing clients with personalized portfolio management and estate planning advice, including the construction and discretionary management of defined investment strategies utilizing individual securities, Merrill Lynch model portfolios, and third-party options. Zach advises individuals, families, and businesses on areas such as college education planning, executive compensation, family wealth management, legacy planning, and retirement income. His professional affiliations include serving as a former Director and Investment Advisory Committee Chairman of the United States Coast Guard Academy Alumni Association. Additionally, he is an Admissions Partner for the Coast Guard Academy, connecting the institution with prospective cadets. Zach participates in community organizations including the Alzheimer's Association, American Cancer Society, and National Breast Cancer Foundation. He is an Eagle Scout and has served as Scoutmaster and Committee Chairman for Troop 604 in Moorpark, where he resides with his wife and two sons. Outside of his professional work, Zach enjoys boating, skiing, and swimming. He emphasizes a client-focused approach, working one-on-one to develop personalized financial strategies aligned with clients’ long-term goals.

Faten Khoder is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) certification and the Personal Investment Advisor (PIA) designation. Faten earned her Bachelor's Degree from Lebanese University and is proficient in both Arabic and English. With over 10 years of experience in the financial services industry, Faten specializes in assisting clients with pre- and post-retirement needs, asset management, and estate planning. She works one-on-one with clients to define their financial goals, develop portfolio strategies, and provide ongoing advice tailored to changing situations. Prior to her role at Merrill Lynch, Faten gained firsthand experience running a family business, which provided her with insights into entrepreneurial challenges and balancing work-life demands. She applies this experience to help clients manage competing financial priorities such as home buying, saving for education, and healthcare needs.

Chase Dapello is a financial advisor at Wells Fargo Advisors with six years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Advisors since 2019. Prior to joining Wells Fargo, he held positions at UBS Financial Services and SoCal Valet. He serves as a board member of NEXTGEN Rotary, Club 5240 in Thousand Oaks, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, utilizing Wells Fargo research and planning tools to develop tailored recommendations.

Yolanda Franco is a Series 66 licensed financial advisor with seven years of industry experience, currently affiliated with LPL Financial. She has worked at several firms including Edward Jones, Wells Fargo, Merrill, and Bank of America. In addition to her advisory role, she is also an attorney providing legal services through the Law Office of Robert M. Baskin, APC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Charles Oehmke is a financial advisor at Morgan Stanley in Oxnard, CA, holding a Series 66 designation with five years of industry experience. He has been with Morgan Stanley since 2015, including six years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, with a focus on tailored financial planning and broad investment services. The firm manages approximately $2.74 trillion in client assets and provides planning tools that incorporate advanced modeling techniques.

Daniel Warren is a financial advisor with LPL Financial in Westlake Village, CA, holding Series 63 and Series 65 licenses. He has 27 years of industry experience, including prior roles at Western International Securities and PRUCO Securities. Warren also operates The Warren Group Wealth Management, Inc., a DBA related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions through a large network of advisors supported by research and technology tools.

Jack Murad is a financial advisor with Cetera, holding a Series 66 designation and bringing 27 years of industry experience. He operates his own accounting and tax preparation business and serves as a trustee and executor for non-family members, managing related investment decisions. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ryan Bartley is a Financial Consultant at Fidelity Investments. He works with clients seeking to enhance their retirement plans, investment strategies, and lifestyles by connecting them with Fidelity's resources tailored to their goals. His tenure at Fidelity Investments began in 2016 as a Financial Representative. He has since held roles including Relationship Manager, Planning Consultant, Investment Consultant, and currently serves as a Financial Consultant since 2025. This progression reflects his experience within various aspects of financial advising and client relationship management. Ryan holds a California Insurance License. Outside of his professional responsibilities, he engages in activities such as baseball, board games, family activities, fitness, and golf.

Sergio Cabral is a financial advisor with Primerica Advisors, holding a Series 66 designation and bringing 10 years of industry experience. He has also worked in real estate and banking roles, including positions at Pinnacle Estate Properties, JP Morgan Chase Bank, and various real estate firms. Outside of his advisory role, Cabral is involved in real estate sales as an assistant with WG Res, Inc. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services primarily through model-based investment strategies created by third-party asset managers. The firm operates at scale with thousands of advisors and approximately $15.5 billion in assets under management.

Andrew Nakagawa is a financial advisor with J.P. Morgan Securities in Westlake Village, CA, holding a Series 66 designation and 16 years of industry experience. His career includes roles at several notable firms such as LPL Financial, Wells Fargo, Merrill, and U.S. Bancorp Advisors. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s approach combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Keith Phillips is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has been affiliated with Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

John Andersen is a financial advisor with OSAIC Wealth, Inc. based in Westlake Village, CA. He holds a Series 66 designation and has 18 years of industry experience, having previously worked at Royal Alliance Associates, Inc. and Wealthcare Alliance. He also operates a sole proprietorship under "John Andersen Financial," providing financial planning and investment advisory services to individuals and businesses. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools and offers access to alternative investments through third-party platforms.

Donna Hicko is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. Her career includes roles at firms such as Morgan Stanley, LPL Financial, and Mutual Securities. She is currently based in Westlake Village, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and utilizes proprietary research and tools to develop tailored recommendations.

Brian Krueger is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, Krueger is the sole proprietor of Taycan Farms, LLC, a horse boarding operation, and is a partner at HAKR Group LLC, which is involved in business development. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and models but does not provide individual security recommendations as part of its standalone planning services.

Blakely Biederman is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2003, following five years at UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with various non-advisory financial activities.

Josh Lewensohn is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 21 years of industry experience. His career includes positions at Morgan Stanley, UBS Financial Services, and currently J.P. Morgan Chase Bank and J.P. Morgan Securities, where he has worked since 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, with offerings that include ESG eligibility frameworks and derivatives capabilities.

Christopher Impellitteri is a financial advisor at J.P. Morgan Securities with 14 years of industry experience and holds a Series 66 designation. His career includes roles at Charles Schwab and TD Ameritrade before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to develop model asset allocations, incorporating an ESG eligibility framework where applicable.

Deborah Zuniga is a financial advisor at Edward Jones in Camarillo, CA, holding Series 63 and Series 65 licenses with 37 years of industry experience. She has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of approximately 23,701 financial advisors.

Austin Kratochvil is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and J.P. Morgan Securities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Craig Buckley is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes eight years at Western International Securities, five years at Financial West Group, and a long tenure at Aerojet Rocketdyne. He is also involved in tax preparation and accounting services as a CPA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing various portfolio programs, third-party asset managers, and advisory tools.