Gabriel Torres is a financial advisor at Morgan Stanley with 21 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley since 2012, including roles at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he held positions at Wells Fargo Investments and HSBC Securities. Torres is a limited partner in Chasing Value LLC, a private investment firm. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and advisory services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and research.

James Frew is a financial advisor with LPL Financial, holding a Series 63 designation and over 41 years of industry experience. His prior firms include Western International Securities and Financial West Group. He maintains involvement in small business entities related to investment and insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Eric Silvestre is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Western International Securities, J.P. Morgan Chase Bank, J.P. Morgan Securities, and Chase Investment Services. Silvestre also has involvement with Libra Financial, LLC. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

David Belkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for nine years. Outside of his advisory role, he serves as CFO and business owner of Continental Chemical. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Lars Jorgensen is a financial advisor with Ameriprise in Thousand Oaks, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service geared toward individuals near or in retirement who meet certain asset criteria, providing tailored written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm uses a combination of research, modeling, and algorithmic automation overseen by committees to deliver these recommendations, primarily for assets held in Ameriprise-managed accounts.

Daniel Khoury is a financial advisor at Wells Fargo Advisors with three years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing and CitiBank prior to joining his current firm. Outside of finance, he has experience working at California Lutheran University and Urbane Cafe. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for its clients.

Juan Hoke is a financial advisor with J.P. Morgan Securities in Tarzana, CA, holding Series 63 and Series 66 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at The Vanguard Group, Inc., and has held roles in various other companies including QuikTrip and Shamrock Farms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, specializing in asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its investment recommendations.

Scott Hansen is a CFP®-certified financial advisor with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC, Wells Fargo Bank, and Banc of America Investment Services, Inc. Outside of his advisory work, Hansen serves as a Little League baseball umpire in Ventura, California. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Steve Felsen is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 12 years of industry experience. He has worked at Equitable Advisors since 2019, with prior roles at Axa Advisors, Transamerica Financial Advisors, and World Financial Group. Outside of his advisory work, he teaches financial literacy to students through local recreation and park districts and a nonprofit organization. Equitable Advisors serves individual and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions across various product types.

Jordan Swift is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop customized financial plans aimed at meeting their personal goals. His services include comprehensive retirement plan assistance and portfolio management. Jordan began his career at Bank of America in 2008, moved to Merrill Lynch Wealth Management in 2010, and joined the Bachman-Herron group in 2014. He has over ten years of experience in areas such as education planning, family wealth management strategies, liquidity management, managing new wealth, philanthropic planning, tax minimization, and retirement income. Jordan holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He graduated from the University of California, Channel Islands, with a bachelor's degree in applied mathematics. Jordan lives in Simi Valley, California, with his wife and son. He enjoys spending time with his family and is active in his local church.

Bobbi Barbera is a financial advisor at LPL Financial with 30 years of industry experience. She holds the Series 63 designation and has previously worked with Waddell & Reed, Inc., as well as multiple insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and various institutional platforms.

David Lazar is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has a background that includes over two decades at Avantax and his own accounting firm, Lazar and Company Certified Public Accountants, which provides tax preparation and accounting services. Outside of his advisory role, he serves as president of CPayroll, Inc. and holds board responsibilities for Guardians of RHD, where he manages financial recordkeeping and tax preparation. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services delivered through a multi-manager platform that combines affiliated and third-party managers across various program structures and custodial relationships.

Blake Behunin is a financial advisor with LPL Financial, holding a Series 66 credential and eight years of industry experience. He has worked with the Householder Group Estate and Retirement Specialists, LLC since 2017, providing administrative services, and currently operates in Camarillo, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to third-party asset managers and model portfolios.

Alexander Ary is a financial advisor with Wells Fargo Clearing in Thousand Oaks, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America, Merrill, EZ-NetTools, and Brigham Young University - Idaho. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jose Coreas is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses, and has five years of industry experience. His prior work includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Postmates, Castillo Realty Group, and Bank of America. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a range of investment products.

Oscar Rodriguez is a Financial Consultant at Fidelity Investments, where he focuses on cultivating and maintaining client relationships with individuals and their families. He collaborates with clients to help them understand their financial goals and aspirations using a broad range of financial tools and resources. He has held various roles in the financial services industry, including positions as a Private Client Banker at JP Morgan Chase, Wealth Advisor Associate at Morgan Stanley, Relationship Banker at JP Morgan Chase, and Personal Banker at Wells Fargo. His professional experience spans from 2006 to the present, covering multiple aspects of banking and wealth advisory services. Oscar holds a California Insurance License. Outside of his professional work, he has interests in baseball, football, soccer, swimming, and traveling.

Shirley Smith is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 31 years of industry experience. She has been with Merrill since 1987. Outside of her advisory role, she works part-time as a driver for Uber and HopSkipDrive, a transportation service for children. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Zachary Frangos is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience since joining the firm in 1982. A 1977 graduate of the United States Coast Guard Academy, he served as an officer on active duty and in the reserves for 19 years. Zach holds an MBA in Finance from Old Dominion University and has earned the Chartered Retirement Planning Counselor™ (CRPC™) designation as well as the Personal Investment Advisor (PIA) credential. He is a qualified Portfolio Manager, providing clients with personalized portfolio management and estate planning advice, including the construction and discretionary management of defined investment strategies utilizing individual securities, Merrill Lynch model portfolios, and third-party options. Zach advises individuals, families, and businesses on areas such as college education planning, executive compensation, family wealth management, legacy planning, and retirement income. His professional affiliations include serving as a former Director and Investment Advisory Committee Chairman of the United States Coast Guard Academy Alumni Association. Additionally, he is an Admissions Partner for the Coast Guard Academy, connecting the institution with prospective cadets. Zach participates in community organizations including the Alzheimer's Association, American Cancer Society, and National Breast Cancer Foundation. He is an Eagle Scout and has served as Scoutmaster and Committee Chairman for Troop 604 in Moorpark, where he resides with his wife and two sons. Outside of his professional work, Zach enjoys boating, skiing, and swimming. He emphasizes a client-focused approach, working one-on-one to develop personalized financial strategies aligned with clients’ long-term goals.

Faten Khoder is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) certification and the Personal Investment Advisor (PIA) designation. Faten earned her Bachelor's Degree from Lebanese University and is proficient in both Arabic and English. With over 10 years of experience in the financial services industry, Faten specializes in assisting clients with pre- and post-retirement needs, asset management, and estate planning. She works one-on-one with clients to define their financial goals, develop portfolio strategies, and provide ongoing advice tailored to changing situations. Prior to her role at Merrill Lynch, Faten gained firsthand experience running a family business, which provided her with insights into entrepreneurial challenges and balancing work-life demands. She applies this experience to help clients manage competing financial priorities such as home buying, saving for education, and healthcare needs.

Chase Dapello is a financial advisor at Wells Fargo Advisors with six years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Advisors since 2019. Prior to joining Wells Fargo, he held positions at UBS Financial Services and SoCal Valet. He serves as a board member of NEXTGEN Rotary, Club 5240 in Thousand Oaks, CA. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, utilizing Wells Fargo research and planning tools to develop tailored recommendations.