Laurence Menna is a CFP® professional with 23 years of experience in financial advising. He has been with WealthTarget Investment Advisors, LLC since 2003, serving clients from Bakersfield, CA. WealthTarget Investment Advisors, LLC serves individual investors as well as pension and profit-sharing plans, trusts, estates, and corporate clients. The firm provides customized portfolio allocations focused on strategic asset allocation, combining actively managed and lower-cost funds, and offers specialized plan-level services including ERISA-focused 401(k) consulting and technology integrations.

Dominik Yates is a financial advisor at Applied Wealth Management with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Guardian Life Insurance Company, Park Avenue Securities, Northwestern Mutual, and Wells Fargo. Applied Wealth Management is a team-based registered investment adviser serving individuals, high-net-worth clients, corporations, and retirement plans. The firm manages approximately $44 million across about 92 client relationships, offering financial planning, portfolio management, retirement plan consulting, and estate-planning services through a licensed technology platform.

Al Doss Carter is a financial advisor with Applied Wealth Management in Bakersfield, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior roles include positions at Guardian Life Insurance Company, Park Avenue Securities, MML Investors Services LLC, and MassMutual Life Insurance Company. In addition to his advisory work, Carter is a licensed insurance agent. Applied Wealth Management serves individuals, business entities, charities, and retirement plans with comprehensive financial planning and portfolio management. The firm emphasizes asset allocation and modern portfolio theory through custom model portfolios and manages accounts primarily on a discretionary basis with regular client reviews.

Bradley Barnes is a CFP® with 44 years of industry experience, currently serving as President and CIO at Entruity Wealth, LLC in Bakersfield, CA. His prior experience includes roles at Purshe Kaplan Sterling Investments and Morgan Stanley. He is a board advisor for the Estate Planning Council of Bakersfield and serves on the board of the Downtown Rotary Club of Bakersfield. Entruity Wealth manages approximately $128.6 million across about 281 client relationships, primarily serving individual and high-net-worth clients with portfolio management, financial planning, retirement-plan consulting, and cash management. The firm employs multiple asset-allocation strategies and incorporates borrowing, derivatives, and structured instruments in its investment approach, while also offering managed held-away accounts and estate-planning support.

Andrew Barnes is a CFP® professional with 11 years of industry experience. He is the President and CIO of Entruity Wealth, LLC in Bakersfield, CA, where he has been since 2017. Prior to founding Entruity Wealth, Barnes worked at Morgan Stanley from 2015 to 2017. Entruity Wealth serves individuals, trusts, estates, employer retirement plans, and business entities by providing investment advisory, financial planning, retirement plan consulting, and cash management services. The firm employs asset-allocation strategies combined with fundamental, technical, and charting analysis, and utilizes margin and derivatives within separately managed accounts alongside third-party model tools to manage and tax-optimize client portfolios.

Maria Fernandez is a financial advisor with Morgan Stanley in Bakersfield, CA, holding a Series 66 designation and bringing 12 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using approved tools and modeling techniques.

Jarred Okane is a financial advisor with J.P. Morgan Securities in Bakersfield, CA, holding Series 63 and Series 66 registrations and nine years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016 and previously worked at Max Muscle from 2009 to 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan banking and broker-dealer organization.

Elizabeth Varela is a financial advisor at Edward Jones with three years of industry experience. She holds a Series 66 designation and has previous experience at Miramar International Real Estate, Century 21 Jordan Link & Co, Arreola Insurance Agency - Allstate, and Foresters Financial. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including households of varying net worth, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of financial advisors and offices, offering a range of advisory programs and investment solutions under a fiduciary standard.

Justin Lee is a financial advisor with Morgan Stanley in Bakersfield, CA, holding a Series 66 license and eight years of industry experience. His prior roles include positions at RBC Capital Markets, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary models to support its planning process, offering services generally in an advisory capacity.

Lourdes Arrubla is a Certified Financial Planner (CFP®) with 12 years of experience at Edward Jones in Bakersfield, CA. She has been with Edward Jones since 2014. Outside of her advisory role, she is involved as secretary for Aspire Housing in Bakersfield and owns a rental property management business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options under a fiduciary standard. The firm is distinguished by its large network of advisors and branches, as well as its affiliated trust company and mutual fund offerings.

Douglas Payne is a financial advisor with Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include customized financial plans and a broad spectrum of investment offerings.

Garet Kreizenbeck is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Antonio Beccari is a financial advisor with Ameriprise in Bakersfield, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns an art gallery and serves on the board of Health Through Wholeness, a nonprofit organization, and also provides consulting services related to business operations in Brazil. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Elizabeth Payne is a financial advisor at Morgan Stanley in Bakersfield, CA, with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, with prior experience at Jennison & Dodds and the Chinese Learning Institute. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and a range of investment strategies, offering services both directly and through corporate financial planning agreements.

Kristine Hertin is a financial advisor at Edward Jones in Bakersfield, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she worked at State Farm Insurance Company from 2013 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Rachell Fanucchi is a financial advisor with Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Cori Ash is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2007 and holds a Series 66 designation. Based in Bakersfield, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Ira S. Cohen is a financial advisor with UBS Financial Services in Bakersfield, CA, holding a Series 66 designation and having 45 years of industry experience. He has been with UBS Financial Services since 2007. 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 and proprietary research to develop customized financial plans.

Salvador Jimenez is a financial advisor with J.P. Morgan Securities in Bakersfield, CA, holding Series 63 and Series 66 designations and seven years of industry experience. His background includes roles at CarMax and service in the United States Army Reserves. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

David Ivarie is a financial advisor at Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 65 licenses with 42 years of industry experience. He has been with Morgan Stanley since 2011 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Charles Hudgins Jr. is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney since 2011. Based in Bakersfield, CA, Hudgins focuses on wealth management services within a large institutional firm. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in assets and employs a structured planning process utilizing proprietary tools and market simulations.

Jason Cohen is a financial advisor with UBS Financial Services in Bakersfield, CA, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with UBS since 2007 and operates a separate business, Ira S. Cohen, since 2000. Outside of his advisory work, Cohen serves as a trustee for the Bakersfield Memorial Hospital Foundation and has been involved with the Kern Community Foundation as a board member. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management, supported by proprietary research and a broad platform of capital markets and advisory services.

Shane Bryan is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2022. His prior roles include positions at ValMark Advisers, Inc. and Valmark Securities, Inc., where he worked for five years, as well as at Independent Financial Group. Bryan serves on the board of directors for the Boys and Girls Club of Kern County, a nonprofit organization. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of financial planning and portfolio management solutions supported by proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and market-making.

Linda Ahmed is a financial advisor with Merrill in Bakersfield, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. Her prior roles include positions at Bank of America, JP Morgan Securities LLC, JP Morgan Chase, and Allstate Insurance. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Petar Repar is a financial advisor at UBS Financial Services with eight years of industry experience. He has been with UBS since 2015, following a decade in education prior to his advisory career. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Romany Pinto De La Paz is a financial advisor at UBS Financial Services with five years of industry experience. They hold a Series 66 designation and have worked at UBS since 2018. Prior to joining UBS, Romany held roles at the Kern County Administrative Office and has experience outside finance, including working at El Jacalito Mexican Restaurant. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and offers a broad range of capital markets services supported by proprietary research and institutional trading capabilities.

Christopher Muxlow is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2007. Outside of his advisory role, he is involved with the Spencer-Muxlow General Partnership. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Walter Russell is a financial advisor with Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Morgan Stanley since 2019, including a position at Morgan Stanley Private Bank, N.A. since 2024. Prior to this, he held roles at Wells Fargo Bank and Wells Fargo Clearing Services. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

James Sakowski is a financial advisor at Morgan Stanley with 42 years of industry experience. He has held roles at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1993. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Rehan Arif is a Series 66-licensed financial advisor with seven years of industry experience, currently affiliated with Morgan Stanley since 2021. His prior roles include four years at PlanMember Securities Corporation and experience in technology-related positions at Hersha and Trigo-Tronics. Outside of his advisory work, Arif is the sole proprietor of Mobile Mac Bakersfield, a technology service business, and is employed at Paismo Inc., a technology company in Philadelphia. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers diverse investment services through affiliated entities.

Daniel Bertolucci is a financial advisor with Morgan Stanley in Bakersfield, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling techniques as part of its advisory process.

Christopher Mcgehee is a financial advisor with UBS Financial Services in Bakersfield, CA. He holds the Series 66 designation and has 19 years of industry experience, including 13 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Oliver Mulligan is a financial advisor at Edward Jones in Bakersfield, CA, holding a Series 66 designation with seven years of industry experience. He has worked at Edward Jones since 2018 and previously held roles at Liberty University Online, Garden Community Church, and California School Project. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Guillermo Rivas Flores is a financial advisor with Merrill in Bakersfield, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and California State University Bakersfield. Merrill, together 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.