Cody Despain is a financial advisor at Cetera with nine years of industry experience. He holds the Series 66 designation and has worked at Cetera and its affiliated entities since 2017. In addition to his advisory role, he is involved with Canyon Oak Financial, where he provides wealth management, tax preparation, and bookkeeping services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party managers across multiple program structures.

Sean Wiser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to his current role, he worked at Citigroup for eight years. He is also involved as an owner and partner in a family entity formed to serve as the administrative general partner for a real estate development. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG eligibility criteria, with implementation support from affiliated investment-management entities.

Grant Gochin is a CFP® with 29 years of experience working at Raymond James Financial in Woodland Hills, CA. He has served as President of Grant Arthur & Associates Wealth Services, LLC since 2011 and holds the position of Honorary Consul for the Republic of Togo. Gochin also serves on his local homeowners association board and has authored a book. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and supports its clients through a large advisor network and various advisory programs.

Eric Stever is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on integrating technology and diverse investment strategies.

Bryon W. Smith, CFP®, CEPA®, CPFA® is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in Westlake Village, California. He serves a diverse clientele including business owners, veteran entrepreneurs, nonprofit organizations, retirement plan sponsors, families, and mission-driven leaders. Bryon's professional focus is on providing personalized financial planning and developing long-term wealth management strategies to help clients make informed financial decisions with confidence and clarity. With experience at firms such as Merrill Lynch, UBS Financial Services, Morgan Stanley, and RBC Wealth Management, Bryon has been in the financial services industry since 2013. His approach coordinates investment management, retirement planning, risk management, estate considerations, business transitions, charitable giving, and employer-sponsored retirement plans. He holds FINRA Series 7 and 66 registrations and licenses in Life, Health, and Long-Term Care insurance. Bryon earned a Bachelor of Arts in Communication Studies from California State University, Northridge, an Associate of Science in Fire Science from Los Angeles Valley College, and a Master of Business Administration with a concentration in Finance from Pepperdine University's Graziadio Business School. Bryon is a United States Coast Guard veteran and founding member of the Department of Homeland Security. He actively participates in veteran advocacy, homelessness prevention, food insecurity, and community development. He serves on the Audit Committee of Neighborhood Legal Services of Los Angeles County and holds leadership roles within the American Legion, including Finance Officer for California's 24th District and Treasurer of the American Legion Riders Chapter 61 aboard the Battleship IOWA. Outside work, he enjoys traveling, exploring art museums, fishing, hiking, riding motorcycles, and sports. Bryon resides in Agoura Hills, California, with his wife Tess, their children Cash and Hunter, and their dog Daisy.

Peyton Glover is a financial advisor with LPL Financial, holding the CFP® and Series 63 designations and possessing 32 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 2004. In addition to his advisory role, he has a registered DBA for Guidewell Financial, specializing in fixed and long-term care insurance. 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 advisory and brokerage services, including financial planning and third-party asset management, supported by a network of more than 22,900 advisors.

Michael Mcgovern is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he specializes in assisting high net worth families, corporations, business owners, and executives with their financial, investment, and retirement goals. He focuses on creating tailored investment strategies that address the unique needs of clients at various stages of life. Michael holds a bachelor's degree from Fairfield University and has earned several professional designations, including the Certified Investment Management Analyst (CIMA) certification, which is administered through the Investments and Wealth Institute in partnership with the Yale School of Management. He also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. Outside of his professional work, Michael remains active in his community by coaching youth and high school lacrosse programs in Southern California. He enjoys spending time with his wife Mikala and their three children, Caden, Cole, and Sage.

Changqin You is a CFA® charterholder and the sole advisor at Align Investment Advisors, LLC, with 16 years of industry experience. He has been with Align Investment Advisors since 2009. Align Investment Advisors primarily manages pooled investment vehicles and institutional accounts, while also serving high-net-worth individuals. The firm employs discretionary portfolio management with tailored advisory services and uses alternative fee arrangements rather than a percentage-of-assets model.

Ronald Moore is the sole advisor at Moore, Ronald Keith, an independent firm based in Westlake Village, CA. He holds the PFS™ designation and Series 63 and 66 licenses, with 22 years of experience as a financial advisor and over 50 years as a CPA. He operates a CPA sole proprietorship alongside his advisory practice. Moore, Ronald Keith has been in business since 1993, providing tailored advisory services primarily to a limited client base that includes trusts and pension plans. The firm does not offer routine portfolio management for typical individual accounts and maintains a unique affiliation with an accounting practice, which may influence its range of services.

Brian Thomas is a financial advisor at JBB Financial, LLC with 15 years of industry experience. He holds a Series 65 designation and has worked at Jacobs & Jacobs, CPA since 1991. JBB Financial, LLC is an independent registered investment adviser that focuses on consultative services rather than portfolio management or percentage-of-assets-under-management fees. The firm has connections with an accounting firm and other advisers, combining tax and investment advisory activities.

Dorothy Beck is a financial advisor with Chaos Solved, Inc. She holds a Series 65 credential and has 16 years of industry experience. She has been involved with Chaos Solved, Inc. since 1993 and with Chaos Solutions Corp. since 1998, where she serves as vice president. Chaos Solved, Inc. is an investment manager focusing on managing pooled vehicles and institutional assets rather than individual retail accounts. The firm offers discretionary portfolio management and account review services and operates with a capacity for performance-based fees and pooled-vehicle strategies.

Max Kramer is a financial advisor at Kramer Investment Advisors, Inc. in Topanga, CA, with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Kramer Investment Advisors since 2015. Outside of his advisory role, he serves as a financial executive involved in fixed insurance products. Kramer Investment Advisors focuses on selecting and referring third-party money managers and providing financial planning without continuous portfolio management. The firm primarily acts as an intermediary, assisting clients with onboarding and liaising with third-party managers while not executing trades or managing assets directly.

Janet Robinson is a financial advisor at Oak Asset Management, LLC with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Oak Asset Management since 2017, following eight years at Wells Fargo Advisors Financial Network LLC. In addition to her advisory role, she has been an insurance agent since 1984. Oak Asset Management serves individual and high-net-worth clients, as well as trusts, pension and profit-sharing plans and other business entities, providing discretionary asset management and investment consulting. The firm emphasizes fundamental stock selection and strategic asset allocation and operates exclusively as a wrap-fee program sponsor, including retirement plan consulting within its advisory services.

Thomas Robertson is a financial advisor with Oak Asset Management, LLC and holds Series 63 and Series 65 licenses. He has 30 years of industry experience, including prior roles at Wells Fargo Advisors Financial Network LLC and UBS Financial Services. In addition to his advisory work, he has been an insurance agent since 1997. Oak Asset Management provides discretionary portfolio management and retirement plan consulting to individuals, trusts, and business entities. The firm employs a dividend-growth core investment philosophy combined with asset allocation and both fundamental and technical analysis, offering a wrap-fee program that includes borrowing options and no transaction costs for clients.

Donald Beck Jr. is a Series 65-licensed financial advisor with 16 years of industry experience. He is affiliated with Chaos Solved, Inc. and has also served as president of Chaos Solutions Corp., a real estate management and investment firm, since 1998. Chaos Solved, Inc. specializes in managing pooled investment vehicles and institutional assets with discretionary portfolio management and performance-based fee structures. The firm operates with a small advisory team across multiple offices and appears focused on future institutional mandates rather than current retail client assets.

Jack Noe is a financial advisor with Oak Asset Management, LLC in Westlake Village, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Oak Asset Management since 2017 and previously spent eight years with Wells Fargo Advisors Financial Network LLC. Oak Asset Management serves individual and high-net-worth clients, as well as trusts, pension and profit-sharing plans, and other business entities, providing discretionary asset management and investment consulting. The firm’s investment approach focuses on fundamental stock selection and strategic asset allocation, operating exclusively as a wrap-fee program sponsor and including retirement plan consulting within its wrap advisory services.

Ronald Kramer is a financial advisor at Kramer Investment Advisors, Inc. with 23 years of industry experience. He holds a Series 66 designation and has operated his own accounting firm, Kramer Accountancy Corporation, since 1993. In addition to his advisory work, he is involved in insurance services through Kramer Insurance Services and other related business activities, including accounting, tax, and business management. Kramer Investment Advisors offers advisory services primarily by selecting and referring third-party money managers and providing financial planning at no additional charge. The firm serves individuals, trusts, retirement plans, and institutions, acting as an intermediary rather than directly managing client assets or executing trades.

Ilan Fersht is a financial advisor at Kelsey Financial, LLC with 43 years of industry experience. He holds a Series 63 designation and has worked at Kelsey Financial since 2023, following six years at Western International Securities, Inc. and 26 years at Financial West Group. Outside of his advisory role, Fersht is involved in several real estate-related business activities as a passive investor and manager. Kelsey Financial serves private and institutional clients with discretionary portfolio management, financial planning, pension consulting, and referrals to third-party money managers. The firm employs model portfolios and bespoke supervisory accounts, blending tactical asset allocation with quantitative and fundamental analysis and various trading strategies.