Christopher Goodenough is a financial advisor with Ameriprise, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Outside of his advisory role, he is involved with Konsulting by Kamerman, providing meeting preparation services for Ameriprise financial advisors. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized consulting team to provide non-discretionary recommendations, emphasizing the use of Ameriprise managed accounts and algorithmic tools overseen by a Retirement Income Oversight Committee.

Cole Edwards is a financial advisor with Cetera in Valencia, CA, holding a Series 66 designation and two years of industry experience. He has previously worked with Avantax entities and maintains private consulting activities through his own firms, providing tax preparation, bookkeeping, and consulting services. Edwards also serves as an internal audit and financial advisory consultant at Protiviti Inc. 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 options, financial planning services, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Charlotte Lowe is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022, previously serving at Wells Fargo Clearing, Merrill, and UBS Financial Services. Outside of her advisory role, she is the chapter head of THE W SOURCE, a women’s networking group in Santa Barbara, focusing on organizing meetings and sharing opportunities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and investment committee estimates.

Michael Drews is a financial advisor at Cetera with 15 years of industry experience and holds the Series 66 designation. He previously worked at Avantax Advisory Services and related entities for 13 years. Outside of his advisory role, Drews owns and operates multiple tax and accounting firms where he provides tax preparation, bookkeeping, and investment advice. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

Abigail Ryan is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill and JPMorgan Chase Bank, N.A. Outside of her advisory role, she owns and manages a rental property. 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. The program uses a centralized due diligence process and incorporates a range of strategies, including ESG eligibility frameworks.

Henry Liang is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Wilmington Trust for three years and Zen Private Wealth Advisors, Inc for eleven years. 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 from Wells Fargo Investment Institute and third-party sources.

Lukas Richards is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Gelfand, Rennert & Feldman, Monarch Plan Advisors, and Cal State University Northridge, among other roles. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and emphasizes an advisory role in financial planning.

Megan Lermer is a financial advisor with UBS Financial Services, holding a Series 63 designation and 28 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Stifel. Outside of her advisory work, she has been involved in data entry activities with Pathmatics. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor strategies aligned with clients’ goals and risk tolerances.

Chad Kruger is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by proprietary tools and analysis.

Patrick Batac is a Series 66-licensed financial advisor at J.P. Morgan Securities with three years of industry experience. He has been with J.P. Morgan Securities since 2023 and has a prior history at JPMorgan Chase Bank, N.A. dating back to 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates systematic quantitative screening, qualitative research, and an ESG eligibility framework.

Noah Klein is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing eight years of industry experience. He has been with Ameriprise since 2017, including time at both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Prior to his advisory career, he worked in creative campaigning and the solar industry. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual planning advice focused on retirement income sources and tax-aware withdrawal strategies.

George Argeris is a financial advisor with LPL Financial in Valencia, CA, holding Series 63 and Series 65 licenses and having 33 years of industry experience. He has been with LPL Financial and its predecessor entities since 1997. Argeris also holds a non-variable insurance agent appointment with Crump. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and multiple institutional platforms.

David Dupre is a financial advisor with Primerica Advisors in Northridge, CA, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides 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 uses third-party asset managers and BNY Mellon Advisors for model implementation, offering a tiered wrap-fee structure and maintaining oversight of model selection and management.

Natasha Tyagi Gilbert is a Series 66-registered financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS since 2000. Outside of her advisory role, she is involved in property management through ownership of a rental property business. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services that include financial planning and portfolio management supported by proprietary research and institutional trading capabilities.

Avery Burton is a financial advisor with Charles Schwab, holding Series 63, Series 65, and Series 66 credentials and five years of industry experience. Prior to joining Schwab, Avery worked at MSCI Inc. and Merrill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. Schwab’s integrated structure supports a large client base with centralized custody and operational resources.

Larry Coltin is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked at LPL Financial since 2021 and has prior experience with Paul Gross and Waddell & Reed, Inc. Coltin was also involved with the Kiwanis Club of Palmdale for nearly three decades and the League of Women Voters, Antelope Valley Chapter. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and access to third-party asset management.

Sogol Danaei is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has held roles at Bank of America, Merrill, and Providence Tarzana Medical. She has been with Morgan Stanley since 2020. Morgan Stanley Wealth Management serves individual and institutional clients, providing tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.

Stephanie Milner is a financial advisor with Ameriprise in Ventura, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she is an artist specializing in paper artwork and also supervises and manages the decoration of Rose Parade floats. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported advice, primarily for clients holding assets in Ameriprise-managed accounts.

Myles Luster is a financial advisor with J.P. Morgan Securities, holding the Series 66 designation and having 17 years of industry experience. His prior experience includes roles at Bank of America, Merrill, and CUSO Financial Services. He serves as an academic committee member on the Business School board for the Accounting & Finance Department at Rio Hondo College. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice and customized performance reporting. The firm integrates quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Nava Spivak is a CFP® professional with 20 years of experience in the financial services industry. She has worked at Wells Fargo Clearing since 2016 and previously held roles at U.S. Bancorp Investments, Cetera Investment Services, and Wamu Investments. 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 uses research and analytics to support portfolio construction and offers both brokerage and advisory solutions.