Matthew Mcgraw is a financial advisor with OSAIC, holding a Series 66 designation and six years of industry experience. He previously worked at Securities America Advisors and SECURITIES AMERICA, inc. Mcgraw’s background also includes roles outside the advisory field, including time at Northern Arizona University and American Financial Network LLC. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm emphasizes model-based asset allocation and portfolio optimization supported by a range of tools and multi-affiliate arrangements.

Alan Iinuma is a financial advisor at Osaic with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at SagePoint Financial, Inc. and Independent Capital Management. Outside of advisory work, he is involved in assisting clients with estate planning information gathering and has experience referring clients to mortgage brokerage services. Osaic Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach with tools for portfolio optimization and offers a range of managed account programs alongside alternative investment options.

Pamela Riet is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Prudential Equity Group, LLC from 2000 to 2003. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Fredrick Levy is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as a board member at Deerlake Ranch HOA in Valencia, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Dominick Stillo II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Prudential Equity Group, LLC from 2001 to 2003. He is a silent partner in his spouse’s yoga instruction business. Wells Fargo Advisors is a large national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad client base, including individuals, corporations, and institutional organizations.

Christopher Goodenough is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Outside of his advisory role, he is involved with Konsulting by Kamerman, providing meeting preparation services for Ameriprise financial advisors. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to provide non-discretionary recommendations, emphasizing the use of Ameriprise managed accounts and algorithmic tools overseen by a Retirement Income Oversight Committee.

Charlotte Lowe is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022, previously serving at Wells Fargo Clearing, Merrill, and UBS Financial Services. Outside of her advisory role, she is the chapter head of THE W SOURCE, a women’s networking group in Santa Barbara, focusing on organizing meetings and sharing opportunities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and investment committee estimates.

Michael Drews is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He previously worked at Avantax Advisory Services and related entities for 13 years. Outside of his advisory role, Drews owns and operates multiple tax and accounting firms where he provides tax preparation, bookkeeping, and investment advice. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Henry Liang is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Wilmington Trust for three years and Zen Private Wealth Advisors, Inc for eleven years. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Lukas Richards is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Gelfand, Rennert & Feldman, Monarch Plan Advisors, and Cal State University Northridge, among other roles. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and emphasizes an advisory role in financial planning.

Megan Lermer is a financial advisor with UBS Financial Services, holding a Series 63 designation and 28 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Stifel. Outside of her advisory work, she has been involved in data entry activities with Pathmatics. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

David Dupre is a financial advisor with Primerica Advisors in Northridge, CA, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, offering a tiered wrap-fee structure and maintaining oversight of model selection and management.

Natasha Tyagi Gilbert is a Series 66-registered financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS since 2000. Outside of her advisory role, she is involved in property management through ownership of a rental property business. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services that include financial planning and portfolio management supported by proprietary research and institutional trading capabilities.

Larry Coltin is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked at LPL Financial since 2021 and has prior experience with Paul Gross and Waddell & Reed, Inc. Coltin was also involved with the Kiwanis Club of Palmdale for nearly three decades and the League of Women Voters, Antelope Valley Chapter. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset management.

Lucia Perez is a Series 66-licensed financial advisor with Ameriprise in Santa Paula, CA, with 26 years of industry experience. She has been with Ameriprise and its related entities since 2000. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written Recommendation Reports and ongoing retirement income planning advice focused on dependable income and tax-aware withdrawal strategies.

Sogol Danaei is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has held roles at Bank of America, Merrill, and Providence Tarzana Medical. She has been with Morgan Stanley since 2020. Morgan Stanley Wealth Management serves individual and institutional clients, providing tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.

Stephanie Milner is a financial advisor with Ameriprise in Ventura, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she is an artist specializing in paper artwork and also supervises and manages the decoration of Rose Parade floats. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported advice, primarily for clients holding assets in Ameriprise-managed accounts.

Nava Spivak is a CFP® professional with 20 years of experience in the financial services industry. She has worked at Wells Fargo Clearing since 2016 and previously held roles at U.S. Bancorp Investments, Cetera Investment Services, and Wamu Investments. 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 uses research and analytics to support portfolio construction and offers both brokerage and advisory solutions.

David Jenni is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Raymond James since 2016, with prior experience at D.A. Davidson & Co. He is also the owner of Jigsaw Wealth Management, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary planning and uses analytical tools to support client goals, with a notable affiliation to a municipal advisor and specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Tiffani Underwood is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.