David Krupp Jr. is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with LPL Financial since 2018 and has worked concurrently at INVEST Financial Corp since 2009. Outside of his advisory role, he serves as Scholarship Chairman for the Far West Ski Association, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and provides research and model portfolios through an extensive network of investment adviser representatives.

Joshua Radford is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He has held his current position since 2012 and holds Series 63 and Series 66 licenses. 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. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Robert Downing is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include long tenures at Fiduciary Trust and various Avantax entities. He owns and operates a tax and accounting services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Nicole Megowan is a financial advisor at Morgan Stanley in Valencia, CA, with six years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at firms including J.P. Morgan Chase Bank, First Republic Investment Management, and Wedbush Securities. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Robert Nugent is a financial advisor with LPL Financial in Santa Clarita, CA, holding Series 65 and Series 63 licenses and three years of industry experience. He has been with LPL Financial since 2022 and also has over a decade of experience at Logix Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management supported by research and model portfolios.

Richard Brittain is a financial advisor with Equitable Advisors in Valencia, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at Axa Advisors. Brittain is a member of the California Association of Bilingual Education. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm operates a hybrid referral and implementation model, providing both advisory and brokerage/insurance channels to implement client recommendations.

Fred Escobedo is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 credentials. His work history includes positions at Bank of America, N.A. since 2010 and Merrill since 2010. Merrill, together 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Naimuddin Syed is a financial advisor with Ameriprise in Saugus, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Cantella & Co Inc and Ameriprise Financial Services, Inc. He also holds a real estate license. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Joe Aguirre is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. Prior to joining LPL Financial in 2025, he spent 17 years with SCF Investment Advisors, Inc. and SCF Securities, Inc., and he has operated Aguirre Financial & Insurance Services since 1990. Outside of his advisory work, he is also active as an artist and musician. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs and provides access to diversified investment strategies supported by internal and third-party research.

Tim Shield is a financial advisor with LPL Financial, holding a Series 63 designation and 30 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 2004 and operates under the DBA Shield Financial Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions, offering various advisory programs, financial planning, and brokerage services through its network of investment adviser representatives.

Richard Emmons is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and modeling techniques.

Glenn Crawford is a financial advisor with Mass Mutual Investors Services in Newhall, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Signature Resources Capital Management and Taylor Insurance and Financial Services. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative relationships, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Jared Carter is a financial advisor at Fidelity with five years of industry experience and holds the Series 66 designation. His prior experience includes roles at Equitable Advisors and Northwestern Mutual. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, using a combination of fundamental research and quantitative analysis to develop systematic, model-based portfolio strategies including multi-manager and fund-of-funds structures.

Tammy Hospodar is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and offering 33 years of industry experience. Her work history includes roles at Cetera Wealth Services, OSAIC, Park Wealth West, Park Wealth Advisors, FSC Securities Corp, and Unionbanc Investment Services. She is also the Chief Investment Officer of Park Wealth Advisors, where she discusses long-term care, life insurance, health insurance, and fixed annuities as part of financial planning. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to multiple investment strategies and third-party managers.

Clark Jolley is a financial advisor with LPL Financial in Valencia, CA, holding a Series 63 designation and 50 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisor role, Jolley operates a business under the name Jolley Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

Lawrence Stevenson III is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual Wealth Management Company, Northwestern Mutual Investment Management, and Mitchell C. Beer. His current role includes involvement with LOGIX Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Susanne Costantini is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill Lynch and Bank of America prior to joining J.P. Morgan. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a diverse range of investment products and strategies.

Lizbeth Landey is an International Wealth Advisor with Merrill Lynch Wealth Management. She focuses on providing wealth management services tailored to high net worth and ultra-high net worth clients, including families and institutions. Lizbeth’s approach emphasizes a goals-based wealth management process that integrates all aspects of a client’s financial life, aiming to help clients prioritize and achieve their most important financial objectives through ongoing collaboration and strategy adjustments. Her expertise covers a range of areas including divorce transition planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Lizbeth holds the Personal Investment Advisor (PIA) designation and is bilingual in English and Spanish. Lizbeth completed her high school education at Academia del Perpetuo Socorro and earned a Bachelor’s Degree from the University of Miami. Outside of her professional work, she enjoys boating, fishing, and spending time with her family.

Joseph Mandujano is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Logix Federal Credit Union, Heritage FCU, CUNA Brokerage Services, Inc., Cetera Advisors LLC, and Investors Capital Corp. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, 529 account management, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.

Bruce Gendein is a financial advisor at Osaic with 48 years of industry experience. He holds the ChFC® and Series 63 designations and has worked at Senex Insurance Services, Inc. since 1992 and Royal Alliance Associates, Inc. since 1989. Outside of his advisory work, he serves as a trustee overseeing asset management and tax reporting and consults on qualified retirement plans and pension matters for closely held businesses. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing tools such as asset-allocation models and automated rebalancing to construct portfolios across various asset classes.