David Soter is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Richard Frank is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. His prior experience includes 14 years at Sagepoint Financial, Inc. He is also involved in community service through volunteer roles with the Boy Scouts of America and the American Youth Soccer Organization, where he holds board and committee positions. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services. The firm employs various asset-allocation tools and supports multiple advisory platforms, with portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

David Allen is a financial advisor at Stifel with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Fahnestock & Co. Inc. for 22 years. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Abiel Acosta is a CFP® professional with 21 years of industry experience. He has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp for 19 years. Acosta is involved in insurance sales, including traditional life, disability, and long-term care insurance, as well as fixed and indexed annuities. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services with a range of portfolio construction tools and access to third-party money managers.

John Cross is a financial advisor at Fisher Investments with 15 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2007. Fisher Investments serves a global client base including institutional investors, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment approach with quantitative and qualitative research to construct diversified portfolios and employs tax-aware and risk management strategies.

Miguel Noriega is a CFP®-certified financial advisor with Edward Jones, based in Oxnard, CA, and has 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,700 financial advisors.

Cynthia Foscue is a financial advisor with Osaic Wealth, Inc., holding CFP®, Series 65, and Series 66 credentials and seven years of industry experience. She previously worked at Sagepoint Financial, Inc. and has a 15-year background with Advanced Lubrication Technology, Inc. Outside of advisory services, she is involved in insurance sales and acts as a statutory agent supporting living trust preparation. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services, utilizing advanced asset-allocation tools and multiple investment platforms to manage portfolios across a wide range of asset classes.

John Lopez is a financial advisor with LPL Financial in Ventura, CA, holding Series 63 and Series 66 licenses with 32 years of industry experience. He has been with LPL Financial since 1999. Outside of his advisory role, he operates a business entity for tax and investment purposes. 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 investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

D'vonne Day is a financial advisor at OSAIC with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining OSAIC, Day worked at Pro-Act Wealth Solutions and Aflac, and previously operated a publishing business. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing firm-provided asset-allocation tools and access to third-party money managers to construct portfolios that include a variety of investment types.

Maxwell Soter is a financial advisor with Morgan Stanley in Oxnard, CA. He holds a Series 66 designation and has been with Morgan Stanley since 2024, with breaks in employment in the intervening years. Prior to his current role, he worked at Ripcurl for five years and also has experience as a high school employee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Peter Hockenmaier is a financial advisor with Ameriprise in Ventura, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Ameriprise and its predecessor entities since 1984. Outside of his advisory role, he is involved in commercial real estate ownership. Ameriprise is a large institutional firm that offers retirement-income planning services aimed at individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations, emphasizing assets held in Ameriprise-managed accounts and using algorithmic automation overseen by specialized committees.

Serena Tobias is a financial advisor at Morgan Stanley with 35 years of industry experience. She has been with Morgan Stanley since 2008 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling techniques.

Amna Altaf is a financial advisor with LPL Enterprise based in Camarillo, CA, holding the Series 66 designation and six years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing financial planning, advisory services, and access to various investment and insurance products through an integrated platform.

Gary Chiate is a financial advisor at Stifel with 58 years of industry experience. He previously worked at Oppenheimer for 22 years before joining Stifel in 2025. Outside of his advisory work, he partners with three of his sons in managing a family ranch in Montana. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, offering asset allocation and financial planning analyses that clients use to make informed decisions.

Eric Peterson is a financial advisor with LPL Financial in Ventura, California, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Linsco/Private Ledger Corp. since 2005. Outside of his advisory role, he is involved with West Coast Wealth Management, a non-variable insurance business, and has experience applying to be appointed with Aetna for individual and group medical insurance policies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and advanced technologies.

Mason Pendleton is a financial advisor at Morgan Stanley in Oxnard, CA, with four years of industry experience. He holds a Series 66 designation and previously worked at Corrigan & Company and Northern Arizona University. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its process.

Gaea Dawn is a financial advisor with LPL Financial who holds a Series 66 designation and has 16 years of industry experience. She previously worked at Edward Jones for nine years before joining LPL Financial in 2019. Outside of her primary advisory role, she co-owns a rental property in South Lake Tahoe managed through Airbnb. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Alan Iinuma is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Sagepoint Financial, Inc. and Independent Capital Management. Outside of his advisory role, he assists clients with aspects of estate planning, including gathering information for living trusts, and refers clients to mortgage brokerage services when appropriate. OSAIC serves a diverse clientele including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios that may include a broad range of securities, managed on discretionary or non-discretionary bases.

Spencer Taylor is a financial advisor at Merrill with 14 years of industry experience. He holds Series 66, Series 65, and Series 63 licenses. His career includes prior roles at Bank of America and Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lucia Perez is a Series 66-licensed financial advisor with Ameriprise in Santa Paula, CA, with 26 years of industry experience. She has been with Ameriprise and its related entities since 2000. 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 clients with written Recommendation Reports and ongoing retirement income planning advice focused on dependable income and tax-aware withdrawal strategies.