Zachary Lovley is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, N.A. since 2023, both based in Woodland Hills, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Robert Hutten is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He worked at Merrill from 2002 to 2016 before joining Wells Fargo Advisors in 2016. Outside of his advisory role, he is involved as a group leader assistant at ProVisors BNI and holds ownership interests in RPH Strategies, LLC and Westlake Private Wealth Management. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a wide range of investment and financial planning services, including specialized planning for business transitions, sports and entertainment, special needs, and divorce, using proprietary research and tools to deliver tailored recommendations.

Justin Sayegh is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with business owners and professionals to provide personalized financial strategies and long-term guidance aimed at growing and protecting their wealth. Justin's approach integrates disciplined financial planning with tailored wealth management strategies, supported by the resources of Merrill Lynch and the banking services of Bank of America. His areas of expertise include divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Justin is committed to helping clients navigate complex financial decisions by offering proactive guidance and customized strategies. Justin holds a Bachelor's degree in Economics from the University of California system and is currently pursuing a Master's in Wealth Management from Columbia University. He has earned the Personal Investment Advisor (PIA) designation and speaks English and Arabic. Outside of work, Justin enjoys basketball, chess, reading, watching movies, and spending time with his family.

Brandon Perdue is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 designations and has worked at firms including Sanford C. Bernstein & Co. LLC and UBS Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Kai Cogswell is a Series 66 registered financial advisor with Wells Fargo Advisors, located in Westlake Village, CA. He has 17 years of industry experience, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing prior to his current position. Outside of his advisory role, he owns and manages KJC Investments Inc., an investment-related business based in Santa Barbara. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing a broad array of fee-based financial planning and investment services. The firm offers tailored recommendations supported by Wells Fargo research and planning tools, with a focus on various specialized planning areas for clients meeting certain net-worth criteria.

Robert Harrell is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Sagepoint Financial and LPL Financial. Harrell serves as president of the Atlas Education Foundation and holds leadership roles in the Rotary Club of Camarillo and the Ventura County Leadership Academy. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, using firm-provided tools and multiple investment options to construct diversified portfolios.

James Bruno is a CFP® professional with 39 years of industry experience. He is currently with Cetera and has extensive prior experience at Avantax Advisory Services and related firms dating back to 1986. Outside of his financial advisory work, he serves as a commissioner on the City of Thousand Oaks Council on Aging. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors.

Ryan Deptula is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He worked at J.P. Morgan Securities for 10 years before joining Wells Fargo Clearing in 2022. 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 grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

George Williams is a financial advisor with Ameriprise in Ventura, CA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 13 years before joining Ameriprise in 2022. Williams serves on the Board of Directors for Sacred Heart Catholic Church. Ameriprise provides a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, offering non-discretionary, research-driven recommendations that incorporate tax-smart withdrawal strategies and Social Security claiming options. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Justin Lane is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company for two years each. Outside of finance, Lane has been involved in entrepreneurial ventures including Dream Homes By The Sea and golf development projects. 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 backed by extensive research and analytics.

John Foster Jr. is a financial advisor with Ameriprise in Westlake Village, CA, holding Series 65 and Series 66 licenses and 22 years of industry experience. He has been with Ameriprise and its affiliates since 2003. Outside of advisory work, he is president of Foster Griffith & Allen, CPAs, where he is involved in tax preparation. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated entities and uses a centralized team to deliver retirement-income recommendations combining research, modeling, and tax-efficiency analysis.

Danielle Shelton is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 credential and previously worked at Morgan Stanley for six years before joining Merrill in 2023. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Corey Mazza is a financial advisor at UBS Financial Services with 10 years of industry experience. He previously worked at JPMorgan Securities, JPMorgan Chase Bank, and Goldman Sachs. Mazza serves on the Board of Directors for the Harvard Club of Southern California as Vice President of the Finance Committee and volunteers as a panel moderator for the Financial Planning Mentoring Forum at California Lutheran University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary capital market research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Mathew Garcia is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has nine years of industry experience, including roles at Bank of America, Merrill, and JPMorgan Chase Bank. Outside of his advisory work, Garcia is involved in real estate as an owner and partner in multiple properties in Chicago. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Laura Tully Cox is a financial advisor with Wells Fargo Advisors in Westlake Village, CA, holding Series 63 and Series 66 credentials and 29 years of industry experience. She worked at Merrill from 2007 to 2016 before joining Wells Fargo Advisors in 2016. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations using proprietary research and planning tools, with services spanning cash-flow, retirement, education, risk, and wealth-transfer planning, among others.

Richard Koff is a CFP® and ChFC® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise in Thousand Oaks, CA. He has worked at Ameriprise since 2019, following prior roles at MML Investors Services and Mass Mutual. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

William Papadopoulos is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 credential and has previously worked at Vail Resorts and Monarch Cypress, as well as having academic roles at CU Boulder. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is involved in unique activities such as commodity pool operation and advisory roles to multiple registered investment companies.

Craig Johnson is a financial advisor at Morgan Stanley with 37 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 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Jeff Antoniotti is a financial advisor with Morgan Stanley in Westlake Village, CA, holding Series 63 and Series 65 licenses. He has 32 years of industry experience and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models developed by its Global Investment Committee.

Patrick Lopker is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. In addition to his advisory work, Lopker is involved in entrepreneurial activities including ownership interests in investment and non-investment related businesses, and serves as president and director of a community association in Big Sky, MT. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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 data.