Sandra Matson is a financial advisor with Ameriprise in Newbury Park, CA, holding a Series 66 designation and three years of industry experience. She previously worked at Edward Jones for seven years. Outside of her advisory role, she has involvement in single-family real estate ownership in Klamath Falls, OR. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notably offering a Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Noah Jones is a financial advisor with Edward Jones in Ventura, CA. He holds a Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, he worked at the University of California Santa Barbara and in behavioral wellness and industrial supply roles. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard with a large nationwide network of advisors and branch offices.

Michael Miskel is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following a 15-year tenure at UBS Financial Services. 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 a range of brokerage and advisory solutions supported by research and analytics.

Debra Hart Gomez is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. She has been with Merrill since 1976 and also worked at Bank of America, N.A. from 2011 to the present. 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, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

William Walters is a financial advisor with LPL Financial in Camarillo, California, holding 43 years of industry experience. He previously worked at Lifetime Planning, Inc. for 15 years before joining LPL Financial in 2011. Outside of his advisory role, Walters operates a part-time handyman business called Jubilee Repair. 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, supported by extensive advisor tools and a broad network of over 22,800 advisors.

James Parker Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera and its affiliates since 2013. Outside of advising, he is involved in sales of group disability and critical care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes affiliated and third-party managers.

Barbara Shufani is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 20 years of industry experience. Her prior roles include positions at Sathers Insurance Agency, Sagepoint Financial, Inc., and Icm. Outside of her advisory work, she serves as a homeowner association board member and provides in-home care for her daughter with a disability. OSAIC serves a diverse clientele including retail and institutional investors, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization. The firm is notable for its large scale, complex affiliate network, and recent consolidation activities.

Jason Tran is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to that, he was involved with Ventura Missionary Church from 2020 to 2022. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

David Morris is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. His prior firms include Avondale Partners, LLC and Church Street Advisors LLC. Outside of his advisory role, he is an owner and partner in a real estate investment business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a manager solutions team.

Ricardo Avila is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. before joining Charles Schwab. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, providing a combination of advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary and discretionary investment options and maintains a large integrated platform with centralized operations.

John Mcauliffe is a financial advisor with Morgan Stanley and holds Series 63 and Series 65 licenses. He has 48 years of industry experience, including over nine years at Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and research, managing approximately $2.74 trillion in client assets.

Steve Warriner is a financial advisor with LPL Financial based in Santa Paula, CA, holding a Series 63 designation and with 30 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp since 2003. Outside of advisory services, he is involved in outside sales of non-variable insurance and operates Warriner Financial Services in Westlake Village, CA. 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 provides a range of advisory and brokerage services, including financial planning and access to institutional platforms, with advice implemented through various discretionary and non-discretionary strategies.

Nicholas De La O is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has worked at Primerica Financial Services since 2003 and is involved with Aqua Flo Supply, Inc. since 2016. In addition to his advisory activities, he receives compensation for loan product sales and referrals related to home security and automation services through affiliated companies. Primerica Advisors is a firm serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that uses model-delivery strategies from unaffiliated asset managers and provides custody and trade execution through Pershing.

Jorge Lozano is a financial advisor with Wells Fargo Clearing in Port Hueneme, CA, holding a Series 66 designation and five years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank NA since 2014. 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 and analytics from Wells Fargo Investment Institute.

Morgan Webber is a financial advisor with Wells Fargo Clearing in Oxnard, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 12 years at Citigroup Global Markets. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Brian Burke is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including work with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a trustee and co-trustee for a trust in Franklin, Tennessee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients. The firm offers tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Todd Augustine is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial, Kinetca FCU, Edward Jones, Aflac, and Sanofi Pharmaceuticals. Todd is based in Newbury Park, CA. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

John Kennedy is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at LPL Financial. He previously worked at D.A. Davidson & Co for 11 years and Merrill for 2 years. Outside of his advisory work, he is involved with AVENNDI LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions supported by numerous tools and a large network of advisors.

Youcheng Wu is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior work includes multiple roles at Bank of America from 2016 to 2022 and involvement with Honhu Company in 2018. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

John Bowers is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. His career includes previous roles at Gold Coast Securities, Inc. and Ameriprise before returning to LPL Financial. He also manages Bowers Investment Management, Inc., a separate investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants with a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.