Katherine Toth is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing Services, LLC since 2011. Outside of her advisory role, she owns and operates Emotional Support Turtles, a business that creates and sells crocheted crafts online. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Rehhaut is a financial advisor with LPL Financial who holds Series 65 and Series 63 designations and has 30 years of industry experience. His career includes roles at Ameriprise Financial Services, Kinecta Financial & Insurance Services, and Premier America Credit Union. He serves on the Board of Directors of the North Valley Family YMCA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by model portfolios, third-party subadvisors, and research.

Mahyar Mohammadzadeh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Ameriprise Financial Services LLC and Bankers Life entities. Outside of his advisory duties, he is involved in health insurance trials with Blue Shield of California. 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.

Alexander Franklin is a financial advisor with Ameriprise in West Hills, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliates since 2009. Outside of advising, he is a 50% owner of a retail franchise business, The UPS Store #2906, in Calabasas, CA. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm serves clients through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Brent Rite is a Financial Consultant currently working at Fidelity Investments since 2022. He has over a decade of experience in the financial services industry, having held positions such as Financial Consultant at E*Trade from Morgan Stanley between 2018 and 2022, Senior Financial Consultant at TD Ameritrade from 2017 to 2018, Associate Financial Consultant at Charles Schwab & Co. from 2014 to 2017, and High Net Worth Specialist in Active Trader Services at Charles Schwab & Co. from 2011 to 2014. Brent is licensed with the California Insurance License and focuses on understanding his clients' life priorities and financial goals. He emphasizes building financial plans tailored to what his clients value most, aiming to put their interests first.

Nancy Chappell is Vice President and Financial Consultant at Fidelity Investments. She works with high net worth individuals to develop customized and comprehensive financial plans that support informed decision-making. Nancy collaborates with clients to gain insight and clarity regarding their priorities and the financial tools and resources available through Fidelity. Nancy has been a Financial Consultant at Fidelity Investments since 2018. Prior to that, she worked as a Financial Advisor at Morgan Stanley from 2015 to 2018. She holds a California Insurance License.

Geoffrey Sebold is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 66 designations and has held roles at firms including Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial. Outside of his advisory work, he serves as the Director of Lacrosse Operations and Boys’ Varsity Head Coach at Oaks Christian School. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing asset allocation tools and risk assessment to construct portfolios across a wide range of investment types.

Patrick Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a broader set of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Arifa Forbes is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2004, including her current role at Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Peter Rosenberg is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following five years at HSBC Securities (USA) Inc. and HSBC Private Bank. Outside of his advisory role, he is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and methodologies.

Adam Lorimer is a financial advisor at Morgan Stanley in Santa Monica, CA, with five years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at The Vanguard Group and in university campus recreation roles. Outside of his advisory work, he is involved in property management through KMK Management. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured process. The firm manages approximately $2.74 trillion in client assets and delivers services including estate planning and diverse investment strategies.

Lillian Appleby is a financial advisor with LPL Financial in Woodland Hills, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with LPL Financial since 2006. Outside of her advisory role, she is co-founder and COO of Cryztal Prizm, a family business focused on e-commerce, innovative internet projects, and real estate development. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research, third-party subadvisors, and TAMP sponsors.

Brian Smithers is a financial advisor with Merrill and holds a Series 66 designation. He has 17 years of industry experience and has worked at Merrill since 2005 and Bank of America since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to various investment products and services.

David Richardson is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He serves as president and part owner of Richardson & Co CPAs, a tax and accounting firm, and is involved in real estate sales and mortgage loan origination. Additionally, he acts as treasurer for the Los Robles Estates Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment program options, including model portfolios, third-party managers, and bespoke strategies.

Vanessa Manquero is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at JP Morgan Chase Bank and JP Morgan Securities LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Kiesel is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior experience including roles at Ripcurl and academic positions at Pepperdine University and its Caruso School of Law. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning advice focused on income stability and tax-efficient withdrawal strategies.

Marc Kessler is a financial advisor with Morgan Stanley in Santa Monica, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Kessler rents out a classic car and his primary residence for events, film, and photo shoots. Morgan Stanley Wealth Management provides a wide array of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and scenario modeling, serving clients primarily in an advisory capacity.

Christopher Soulios is a financial advisor with LPL Financial in Westlake Village, CA, holding a Series 66 designation and bringing 20 years of industry experience. He worked at Ameriprise Financial Services, Inc. for 14 years before joining LPL Financial in 2019. 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 financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research, model portfolios, and various technology-driven investment options.

Sandra Courser is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Outside of her advisory role, she serves as a notary in Woodland Hills, California. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America allows access to a broad set of financial products and services.

Sylvia Flores is a Series 66 licensed financial advisor at UBS Financial Services in Westlake Village, CA, with six years of industry experience. She has worked at UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. Its advisors use proprietary research and model-based asset allocations to tailor financial plans and portfolio management.