Heather Rupp is a CFA® credentialed advisor with five years of industry experience, currently with PlanMember Securities Corporation. She has held prior roles at B. Riley Capital Management, The Alliance Group, Phase Capital, and Peritus I Asset Management. Rupp also serves as an adjunct professor of Investments and Portfolio Management at Westmont College. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options. The firm uses a top-down strategic asset allocation approach with risk-based mutual fund portfolios, along with education and support services for plan sponsors and participants.

Brian Holland is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. He has previously worked at National Pension & Group Consultants, Inc. and maintains roles with Fidelity Security Life Insurance Company and Forrest T. Jones & Co., including work in insurance sales and retirement services. Holland also operates as a self-employed insurance agent. PlanMember Securities Corporation provides retirement plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment approach involves strategic asset allocation and management of unitized, risk-based mutual fund portfolios, supported by educational and support services for plan sponsors and participants.

Michael Fox is a CFP® with eight years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at Commonwealth since 2018 and also has experience at Kestra Advisory Services LLC and Kestra Investment Services LLC. Fox has spent time in fixed insurance sales alongside his advisory role. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, and custody services.

Howard Kreutzinger is a financial advisor with D.A. Davidson & Co. in Ventura, CA, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with D.A. Davidson since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporations. The firm operates under fiduciary standards and offers a range of services such as retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

Dustin Dockter is a CFP® with 15 years of industry experience, currently affiliated with Private Advisor Group, LLC. His prior roles include positions at Mariner Independent Advisor Network, Summit Wealth Management Group, Inc., and LPL Financial. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting through a range of advisory programs and access to third-party asset managers and turnkey asset management platforms. The firm supports a variety of investment approaches and client-imposed restrictions while providing services such as held-away account management and 401(k) participant services.

Randall Patrick is a financial advisor with PlanMember Securities Corporation, holding the CFP® designation and Series 63 and 65 licenses. He has 15 years of industry experience and has also been involved in insurance and securities sales through his own ventures, including Mindful Wealth Insurance Solutions and Mindful Wealth Planners, LLC. PlanMember provides retirement-plan advisory services primarily to employers and their plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and offers risk-based mutual fund portfolios ranging from conservative to aggressive, alongside education and support services for plan sponsors and participants.

Francisco Rodriguez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with affiliated Wells Fargo entities since 2010. Outside of his advisory role, he owns and manages a commercial landscaping business in Oxnard, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is driven by investment policy statements and modern portfolio theory, with a range of financial products including insurance-related vehicles and bank deposit sweep options.

Aaron Jewett is a CFP® with four years of industry experience currently with OSAIC. He previously worked at AssetMark Brokerage, LLC and AssetMark Financial Holdings, Inc. for four years and has operated Aaron Jewett Financial Services since 2020. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios managed on discretionary or non-discretionary bases.

Erin Burke is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009, currently working at Morgan Stanley Private Bank, N.A. in Oxnard, California. 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, including tailored financial planning supported by structured discovery and advanced analytical tools.

Merced Gonzalez is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior roles include positions at Bank of America, Merrill, and Morgan Stanley. He has also worked in various non-financial sectors and has experience in education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including management of an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

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 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.

Steve Warriner is a financial advisor with LPL Financial in Santa Paula, CA, holding a Series 63 designation and 30 years of industry experience. He has been associated with Linsco/Private Ledger Corp since 2003. Outside of his advisory role, Warriner is involved in outside sales of non-variable insurance and operates Warriner Financial Services in Westlake Village, CA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by proprietary and third-party research.