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.

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.

Anna Kotula is a financial advisor with Ameriprise in Ojai, CA, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise and its affiliated entities since 2017. Outside of her advisory role, Kotula owns and operates a physical therapy practice and serves on the Board of Trustees for the Ojai Art Center Theater, where she is chair of the Theater Branch. She also teaches dance and core strength classes at the Ojai Valley Athletic Club. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, combining research-driven modeling and tax-efficient strategies to support income planning. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

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.

Olga Jones is a financial advisor at Ameriprise with 26 years of industry experience and holds a Series 66 designation. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she maintains a real estate license and is involved in multi-family and commercial real estate ownership. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, utilizing a centralized consulting team to deliver tailored, research-based recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

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.

Ivan Chen is a financial advisor with Edward Jones, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he held positions at JP Morgan Securities, JPMorgan Chase Bank, Northwestern Mutual, City National Bank, MUFG Union Bank, and AIG. Outside of his advisory role, he serves on the Budget Committee of the Humane Society of Ventura County and assists as Treasurer-Analyst for Ojai Valley Democrats; he also manages accounting functions for a health and wellness center owned by his spouse. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of approximately 23,701 financial advisors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

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.

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.

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.

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 at OSAIC with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Sagepoint Financial, Inc., Pro.Act Wealth Solutions, LLC, and Icm. He is the owner of Pro.Act Wealth Solutions, where he developed proprietary software to manage client portfolios through his Wealth Management Platform. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and managed accounts that utilize both discretionary and non-discretionary strategies.

Paige Overton is a financial advisor with Merrill in Oxnard, CA, holding Series 63 and Series 66 credentials and has 32 years of industry experience. She has worked at Merrill since 1997. Outside of advising, she also serves as a notary. 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, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Diego Reyes is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and four years of industry experience. He previously worked at Lbs Financial Credit Union and Loomis, and spent six years at California State University - Long Beach. Outside of his advisory work, he owns an e-commerce business selling general merchandise on online marketplaces. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG framework when recommending investment strategies.