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.

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.

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.

Jeannie Balmes is a financial advisor with Morgan Stanley in Oxnard, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Sarah Saito is a Series 66-licensed financial advisor at J.P. Morgan Securities with 11 years of industry experience. She has worked at J.P. Morgan since 2016 and previously at Thrivent Investment Management from 2014 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice supported by centralized due diligence and uses a combination of quantitative and qualitative research to develop model allocations.

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 financial advisor with Morgan Stanley in Oxnard, CA, holding a Series 66 designation and bringing 21 years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and prior experience at Citigroup Global Markets. Outside of her advisory work, she serves on the finance committee of the United Way of Ventura County. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and models to support client financial goals, while generally acting in an advisory capacity.

Bahram Khafajizadeh is a financial advisor with LPL Financial, holding a Series 66 designation and bringing nine years of industry experience. He has worked at LPL Financial since 2012 and is also affiliated with Premier America Credit Union and Goodwill Home Health Services. Outside of his advisory role, he operates a small business selling cars as a hobby and owns a home-based child daycare. 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, utilizing various investment strategies and technology to support its network of over 22,800 advisors.

Linda Scipione is a financial advisor based in Oxnard, CA, affiliated with Stifel. She holds a Series 63 designation and has 36 years of industry experience. Her prior experience includes roles at A.G. Edwards & Sons, Inc. and Morgan Stanley DW Inc. She also serves as a trustee for a non-family trust. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Patricia O Sullivan is a financial advisor at Charles Schwab with Series 63 and Series 65 designations and three years of industry experience. She previously worked at MFS Investment Management and Boston Financial Data Services. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by centralized custody and order-routing arrangements.

Plato Guerre is a financial advisor with OSAIC in Camarillo, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at OSAIC since 2023 and has been involved with Pro.Act Wealth Solutions, LLC and Sagepoint Financial, Inc. for over a decade. Outside of his advisory work, he developed proprietary software used to manage client portfolios and actively manages accounts using this system. OSAIC serves a wide range of retail and institutional clients, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing advisors with flexible strategy options and access to alternative investments through a complex affiliate network.

Diego Reyes is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 credentials. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2021, he worked at Lbs Financial Credit Union and Loomis, and spent six years at California State University - Long Beach. Outside of advising, he is involved in an e-commerce venture focused on selling general merchandise through online marketplaces. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, offering non-discretionary asset allocation advice, investment manager searches, and customized reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative screens and qualitative research, and it incorporates ESG frameworks where applicable.

Ronald Speakman is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 65 and Series 66 credentials and has worked at Cetera and its affiliated firms since 2025. Prior to that, he spent over 15 years at 1ST Global Advisors and has been a CPA since 2004. Cetera Investment Advisers LLC 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 range of portfolio management and financial planning services through a nationwide network of independent advisors.