Coburn Crosby III is a CFP® and ChFC® with nine years of experience in financial advising. He is currently with Cambridge Investment Research Advisors, having joined in 2024, and previously worked at Equitable Advisors and Axa Advisors. Outside of his advisory role, he owns and operates Public Employee Resource Center, which provides an on-demand financial literacy resource library for employers and their employees, and volunteers with Haven Neighborhood Services. Cambridge Investment Research Advisors, Inc. serves a broad range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platform options.

Sean Naftel is a financial advisor with LPL Financial in Simi Valley, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he dedicates time to C & A Wealth Management, Inc., a business entity utilized for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, employing both discretionary and non-discretionary strategies supported by research and technology tools.

Leticia Meza Guerrero is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked at LPL Financial since 2018 and concurrently at LOGIX Federal Credit Union since 2017. She has held prior roles at INVEST Financial Corp, Glendale Securities Inc, and Mundial Financial Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing substantial discretionary assets.

Kathryn Lynch is a financial advisor at LPL Financial with three years of industry experience. She holds a Series 66 designation and has previously worked at Logix Federal Credit Union, Chase Bank, and Spirit Airlines. Outside of her advisory role, she is involved with Logix Financial Services, a business related to her LPL affiliation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

James Gray is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and 34 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice using proprietary research and third-party data.

Ryan Mckell is a CFP® professional affiliated with LPL Financial, with 12 years of industry experience. He previously worked at Cambridge Investment Research Advisors and FSC Securities. He is also involved with McKell Financial, a professional corporation he established for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports its large network of advisors through model portfolios, technology tools, and various institutional platforms.

Kyle Wilson is a financial advisor at Edward Jones with 35 years of industry experience. He has been with Edward Jones since 2005 and holds the Series 63 and Series 66 designations. Outside of his advisory role, Wilson is a homeowner involved in a room rental business in Thousand Oaks, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Edward Kepple is a financial advisor with Ameriprise in Simi Valley, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise since 2011, including its affiliated entities. Outside of his advisory role, he owns and operates a tax preparation business under Edward H Kepple, CPA. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm delivers customized, written recommendations through a centralized consulting team, emphasizing managed accounts and algorithm-assisted planning.

W. Kevin Kessler is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Royal Alliance Associates, Signator Investors, and American General Financial Advisors. He also operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a broad range of advisory and brokerage services, including financial planning and third-party asset management.

January Johnson is a financial advisor at Fidelity with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2010, including roles at Fidelity Personal and Workplace Advisors. Her prior experience includes positions at LPL Financial and Fifth Third Securities. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as a registered commodity pool operator and advisor to multiple registered investment companies, using systematic methodologies and AI-driven research tools.

Ashlyn Wetmore is a financial advisor with Equitable Advisors in Simi Valley, CA. She holds the Series 66 designation and has one year of industry experience. Her prior work includes roles at Oliver Labs Inc, Castle Management LLC, Islands Restaurants, Focus and Testing, Simi Valley Aquatics, and Royal High School. Equitable Advisors serves individuals, retirement plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm offers various advisory models implemented via third-party managers and LPL-sponsored programs, covering mutual funds, ETFs, separately managed accounts, alternative investments, and ERISA fiduciary services.

Emily Desimone is a CFP® professional with 17 years of experience in the financial industry. She currently works at Strategic Advisers LLC, a Fidelity Investments company, where she has been since 2011. Her prior roles include positions at Modera Wealth Management, LLC and Back Bay Financial Group, Inc. Strategic Advisers provides investment management and advisory services to a broad client base, including retail and institutional investors, through a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios to intermediary platforms.

Karina Madrigal is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Her career includes roles at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., and Wells Fargo. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,900 advisors.

Dorenda Sprague is a financial advisor at Primerica Advisors with nine years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with Primerica since 2017. Outside of financial advising, she is involved in television and film production through her ownership of 2SOL Productions, LLC, and co-ownership of AFD Entertainment, LLC. Primerica Advisors sponsors a wrap-fee asset management program that serves individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Denisha Davis is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Intuit and Chase Bank. Outside of her advisory role, she owns Business Savvy 365, a company specializing in accounting and tax preparation services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Sukhvinder Kaur is a financial advisor with Primerica Advisors in Simi Valley, CA. She holds Series 65 and Series 63 licenses and has one year of industry experience. Prior to joining Primerica Advisors, she worked at Primerica Financial Services and has experience in senior living and nursing education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-based strategies developed by unaffiliated asset managers and supports accounts through BNY Mellon Advisors and Pershing custody services.

Christopher Boynton is a CFP® professional with 24 years of industry experience, currently serving at Cetera. His career includes long-term roles at Arxis Financial Inc. and Avantax entities. Outside of advisory work, he is a division director and board member of the American Youth Soccer Organization in Simi Valley, CA. Cetera Investment Advisers LLC provides a multi-manager platform to a nationwide network of independent advisors, serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services with access to affiliated and third-party managers across multiple program structures.

Randall Long is a financial advisor at Cetera with 43 years of industry experience. He holds a Series 63 designation and has worked across several affiliated firms, including Cetera Advisors LLC and Sageview Wealth Management. Outside of his advisory role, he is the president of the Sageview Foundation, a nonprofit agency that handles charitable donations, and owns an actuarial consulting firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of discretionary and non-discretionary portfolio management options, providing access to both affiliated and third-party managers.

Henry Hache is the sole advisor at Ai Financial, Inc. in Simi Valley, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has been with Ai Financial since its founding in 2004. In addition to advisory services, he provides tax preparation and accounting services through Ai Financial. Ai Financial, Inc. manages approximately $6 million in assets for a small client base that includes individuals and a range of institutional clients, such as sovereign wealth funds and municipal governments. The firm offers portfolio management with ongoing account reviews and maintains affiliations with an accounting firm, supporting its unique client mix.

Bruce Thomas is the sole advisor at Bruce James Thomas Jr, an independent firm based in Moorpark, CA. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 13 years of industry experience. Thomas has operated as a registered investment advisor since 2011. In addition to advisory services, he is a California-licensed insurance agent, dedicating a portion of his time to insurance-related activities outside of trading hours. The firm serves a very small client base and does not provide portfolio management or use assets-under-management fee structures. It offers investment advisory and related financial services through non-AUM fee arrangements, with an uncommon combination of insurance brokerage and advisory services.