Thomas Flores is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has worked at UBS since 2019. Prior to his advisory role, he held positions in the hospitality and education sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering a range of fee-based financial planning, portfolio management, and capital markets services.

Ja Nelle Mattson is a financial advisor with J.P. Morgan Securities in Moorpark, CA, holding Series 63 and Series 66 licenses and 10 years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, Lyft, Inc., and entrepreneurial ventures such as SpeedVixen LLC and Wayward Wicks. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advisory services delivered by Wealth Advisors and focuses on recommending approved funds and strategies within a broader broker-dealer and banking organization.

Michael Bernardo is a financial advisor at LPL Financial with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has been with LPL Financial since 2018. Bernardo also has extensive experience working with Logix Federal Credit Union since 2000. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides financial planning, advisory programs, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

Lauren Troli is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Advisors, she worked at the University of Irvine and has additional work experience in educational and retail settings. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services, including specialized planning areas such as business-owner transition and special-needs analysis. The firm uses proprietary research and planning tools to develop tailored recommendations, with client implementation optional through various brokerage and advisory programs.

Bobbie Hanley is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has been with Merrill since 2019 and owns a sole proprietorship selling personal pre-owned goods on eBay. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Scotland Garapedian is a Financial Advisor with Merrill in Westlake Village, California. He works as part of a family-based team to help clients take steady action toward a more secure financial future, unifying multiple aspects of their wealth in alignment with their goals and aspirations. Scotland supports multiple generations of families in navigating decision points related to careers, family dynamics, retirement ambitions, and legacy intentions. Clients served by Scotland include business owners, executives, professionals, and successful families. He assists them with key components of wealth management such as investments, savings, planning, retirement strategies, business succession, pre-liquidity event planning, and facilitates access to banking and lending through Bank of America. Scotland also serves as a resource during life transitions including new jobs, marriage, divorce, the death of a loved one, or the birth of a child or grandchild. Before joining Merrill, Scotland worked as an Annual Giving Officer at Pepperdine University. He holds a Bachelor of Arts degree in Organizational Communication from Pepperdine, where he was named the Outstanding Student for Organizational Communication. A former walk-on member and captain of the Division I Varsity Tennis Team, Scotland applies the same discipline and focus to his financial advisory role. He lives in Oak Park, California, with his wife, Ruby, and their two sons, and enjoys playing tennis and golf in his free time.

John Short III is a financial advisor with UBS Financial Services, holding a Series 63 license and bringing 38 years of industry experience. He has been with UBS since 1997. Outside of his advisory work, he participates as an actor in a local haunted house attraction in Thousand Oaks, California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored by proprietary research and model-based asset allocations.

Esteban Amaya is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities LLC, and Bank of America/Merrill Lynch. Prior to his financial career, he spent six years at Enterprise Rent-A-Car. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions alongside research-driven investment approaches.

Karen Kinrose is a financial advisor with Cetera, holding a Series 63 designation and 32 years of industry experience. She has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of her advisory role, she is involved with Sage Scholars, Inc., an organization that facilitates tuition reduction programs with private colleges and universities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account management.

Juan Ramirez is a Series 66-registered financial advisor with Wells Fargo Clearing, based in San Fernando, CA. He has 21 years of industry experience, including prior roles at Wells Fargo Advisors, LLC. Ramirez has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary advisory solutions. The firm’s IPS-driven investment process follows modern portfolio theory and includes a wide range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Daniel Davidian is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Western International Securities, Inc. and J.P. Morgan Securities. Outside of advising, he serves as CEO and President of 5 Star Wealth Management Group Inc. and is involved in mortgage and real estate services through Executive Realty & Finance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research and model portfolios.

James Spach is a financial advisor with Ameriprise in Calabasas, CA, holding a Series 66 credential and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2006. Outside of his advisory role, he owns a tax preparation business and co-owns R&J Pacific Management LLC, which manages his Ameriprise office. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations primarily for clients holding assets in Ameriprise-managed accounts.

Leticia Garcia is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016. Garcia also serves in fiduciary roles as a power of attorney and executrix for family members. 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 advisory process incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michael Kazmer is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 38 years of industry experience. He previously worked at Wells Fargo Advisors for 13 years. Kazmer is also associated with KCDM INC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and various portfolio management services.

Diane Galvin is a CFP® professional with 40 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2012. She holds Series 63 and Series 65 licenses. Outside of her advisory work, she is president of the Rotary Club of Moorpark, where she leads weekly meetings. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based allocations to tailor client strategies.

Carlos Garcia is a Series 66-registered financial advisor with Morgan Stanley in Westlake Village, CA, having nine years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2016 and was previously involved with Imagine by Terriann, LLC from 2011 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that integrate investment management alongside financial and estate planning.

Leonel Garcia is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, and CitiBank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and technology such as machine learning across discretionary and non-discretionary management services.

Dalia Warren is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding a Series 66 designation and 17 years of industry experience. She has worked within various Wells Fargo entities since 2003, including Wells Fargo Bank NA and Wells Fargo Clearing. Warren is also the sole owner of DW Private Wealth Corporation. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services that include specialized areas such as business-owner transition and sports & entertainment planning. The firm uses proprietary research and planning tools to develop tailored recommendations delivered through meetings and client summaries.

James Bruckner is a financial advisor at Cetera with 36 years of industry experience. He holds a Series 63 designation and has worked at Avantax entities from 1989 to 2025 before joining Cetera in 2025. Outside of his advisory role, he serves as treasurer for the Ventura Improv Company, a local theater group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform with various program options and custodial relationships.

David Eagle is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been working since 1999. He specializes in developing and implementing comprehensive financial strategies tailored to his clients' long-term goals. His role also involves monitoring the risk-adjusted performance of the money managers engaged in his clients' investment portfolios. David focuses on areas including college education planning, divorce transition planning, personal retirement planning, sports and entertainment, and both individual and corporate investment strategies. David holds a Bachelor of Science in Mechanical Engineering from Cornell University and an MBA from the University of Southern California. He is a CERTIFIED FINANCIAL PLANNER® (CFP®) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, he has credentials as a Personal Investment Advisor (PIA) and in Sports & Entertainment (SE). David resides in Moorpark, California, with his two college-age sons. In his personal time, David enjoys watching baseball, basketball, football, and other sports, as well as cooking, traveling, watching movies, and spending time with his family.