Michael Miskel is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors from 2012 to 2016. He holds a Series 63 designation and is based in Ventura, CA. 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 grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Walters is a financial advisor with LPL Financial in Camarillo, CA, holding 42 years of industry experience. He previously worked at Lifetime Planning, Inc. for 15 years before joining LPL Financial in 2011. Outside of his financial advisory work, Walters operates a part-time handyman business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.

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 at Osaic Wealth, Inc. with 20 years of industry experience and holds Series 63 and Series 65 credentials. Her work history includes roles at Sathers Insurance Agency, Sagepoint Financial, Inc., and Icm. Outside of her advisory work, she serves as an HOA board member and provides in-home supportive care for her daughter with a disability. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutions, offering a variety of financial services including brokerage and advisory solutions, retirement plan consulting, and access to third-party money managers. The firm utilizes comprehensive asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

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 at J.P. Morgan Securities with 39 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Avondale Partners, LLC and Nashville Financial Services PLLC. Outside of his advisory role, he is an owner and partner of DevonLane Partners LLC, a real estate investment business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending eligible strategies.

Ricardo Avila is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab, J.P. Morgan Securities, and JPMorgan Chase Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and alternative investment options.

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.

Nicholas De La O is a financial advisor with Primerica Advisors in Ventura, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked with Primerica Financial Services since 2003 and PFS Investments Inc. since 2008, and is also involved with Aqua Flo Supply, Inc. outside of his advisory role. Additionally, he receives compensation for referrals related to loan products, home security, and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plans.

Morgan Webber is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

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.

John Kennedy is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at LPL Financial since 2025. He previously spent 11 years at D.A. Davidson & Co. Kennedy is associated with AVENNDI LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at LPL Financial, Ameriprise, and Gold Coast Securities, Inc. His business activities include managing Bowers Investment Management, Inc. 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 representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Jeannie Balmes is a financial advisor with Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Sarah Saito is a Series 66-credentialed financial advisor with 11 years of industry experience. She has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm incorporates quantitative modeling and ESG criteria in its investment process and operates within the broader J.P. Morgan broker-dealer and banking organization.

Lynn Lundring is a financial advisor with Thrivent Investment Management in Thousand Oaks, CA, holding the ChFC® designation and Series 63 and 66 licenses. She has 55 years of industry experience, including over two decades at Thrivent Investment Management and a decade with Thrivent Financial. Lundring serves as an emeritus member of the Board of Regents at California Lutheran University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering goal-based analyses and written recommendations on a wide range of financial topics. The firm emphasizes planning services without discretionary trading authority and allows clients to combine planning with managed-account programs under consolidated billing.

Jessie Hawkins is a Series 66-licensed financial advisor with Morgan Stanley in Oxnard, CA, bringing 21 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 2004. Outside of her advisory role, she serves on the finance committee of the United Way of Ventura County. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including financial planning and estate strategy services. The firm manages approximately $2.74 trillion in client assets and implements a structured planning process using firm‑approved tools and market modeling techniques.

Bahram Khafajizadeh is a financial advisor with LPL Financial and holds a Series 66 designation. He has nine years of industry experience, including eight years with LPL Financial and concurrent roles at Premier America Credit Union and Goodwill Home Health Services. Outside of his advisory work, he is involved in a home-based child daycare business and sells cars as a hobby. LPL Financial serves a broad client base that includes individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and consulting services with discretionary and non-discretionary management options supported by research and technology tools.

Linda Scipione is a financial advisor at Stifel with 35 years of industry experience. She has been with Stifel Nicolaus since 2008 and holds a Series 63 designation. She serves as a trustee for a non-family trust. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services with a focus on proprietary investment analysis and asset allocation guidance developed by its Investment Strategy Group.