"Above all, an attitude of service excellence is
                                 expected and fostered."
- Al Muskat

ABOUT US | Our Team

Wm. Al Muskat CFP® is a CERTIFIED FINANCIAL PLANNER™ Professional specializing in tax and retirement planning. He has assisted thousands of candidates with early retirement packages throughout the country; advising them of the ways to potentially maximize their financial opportunities. He uses a personalized approach with each client to build solid, long-term relationships. Al assists in retirement planning, wealth accumulation and helps solve the many problems unique to early retirees.

With more than 25 years of experience as a tax and financial advisor, Al's goal is the preservation and strength of his clients' financial position in the years and decades to come. He accomplishes this through a properly diversified portfolio, periodic monitoring and consistent reporing.

The people who work with Al not only have the knowledge and experience to help you pursue your financial goals, but they also happen to be extremely great folks, too! Our staff is always ready to address your concerns, answer your questions, and put you at ease.

Larry Phillips has been with our team for 15 years. He is a registered representative with Commonwealth Financial Network and our lead client service point of contact. He also handles the insurance services for our clients and is very knowledgeable in the area of long-term care insurance. He is an avid outdoorsman and loves fishing. He has been married to his wife Carol for 21 years and is the proud father of three. You can contact Larry at larry@muskatfinancial.com. (CA Insurance Lic.# 0B99647)

Pam Philbrook has been with our team since 1997 and is a registered assistant. Pam is our paperwork expert and knows what form is required for what transaction. We have had the privilege of seeing both of her children, Leyton and Hudson, grow up here at the office.You can contact Pam at pam@muskatfinancial.com.

Ken Muskat, Al’s son, has been working with our team since he was a teenager. He graduated from CSUN with a degree in finance in 2008. He is now a full-time registered representative and client service representative. He and his wife Lauren are happily raising their daughter Ella ( Al & Patty's first grandchild) and their newest daughter Lexie. You can contact Ken at ken@muskatfinancial.com.


Bradley Bronk joined the practice in 2004. He is a CERTIFIED FINANCIAL PLANNER™ professional, dedicated to providing a high level of service to each client and his or her financial future. Bradley assists his clients in their investments, insurance, taxes, and estate planning. He received his bachelor of science at the University of California at Santa Barbara. He continued his education at Pepperdine University and achieved his masters in business administration. As an investment adviser, Bradley holds FINRA Series 7, 65, and 66 securities registrations. In addition, Bradley is a licensed life insurance agent. Bradley grew up in the Conejo Valley and currently resides with his wife Alison and their three children in Thousand Oaks, California. You can contact Bradley at brad@muskatfinancial.com. (CA Insurance Lic.# 0F04390)

Patrick McInnis joined us in 2007 and completed his finance degree at Cal State Fullerton. As an investment advisor, Patrick holds FINRA Series 7 and 66 securities registrations and is the office's director of operations. Patrick grew up in Orange County and has lived in Simi Valley since 2007. He enjoys golf and has been a member of the Simi Valley Kiwanis Club since 2012. You can contact Patrick at patrick@muskatfinancial.com.
(CA Insurance Lic.# 0G65024

Bill Good has been with our team since 1993. You will hear him affectionately called “Uncle Bill” around our office. After retirement from Thrifty, he joined our team part time in the role of quality control. He double checks all transactions and statements to make sure all documents are error-free. He has been married to his wife Naomi for 49 years and is enjoying his partial retirement with his grandchildren and turtles. You can contact Bill at bill@muskatfinancial.com.

Bart Ketterling joined our team in 1998. Bart is an Investment Adviser Representative with Commonwealth Financial Network, an Enrolled Agent and a licensed life and disability insurance agent. Beginning in the field of tax accounting in the late 1980's and transitioning into the financial services industry in 1998, Bart has built a clientele that consists of individuals as well as small business owners.  Bart's extensive knowledge of tax issues has given him a distinct advantage in crafting a personalized financial plan. A longtime resident of Ventura, California, Bart is active in church and community activities.  He taught a tax class at Ventura College and has conducted several tax and investment seminars.  He is a member of the Ventura Chamber of Commerce and the California Society of Enrolled Agents. After graduating from Azusa Pacific University with a BA degree, Bart earned his MA in Sociology with an emphasis in Marriage, Family and Child Counseling.

Patty Muskat joined our team in 2003. She has a background in business management and was director of operations for a nonprofit before joining us here. She is responsible for our practice's financial management, HR, and marketing. As Al’s better half, you will often see her accompanying Al on weekend or evening client visits. She is mother/step-mother to six children, and a grandmother to Ella, Emma, Lexie, Brian, and Ian. You can contact Patty at patty@muskatfinancial.com.

Cecilia Ventura Lopez is our friendly voice of the practice. She joined us as an administrative assistant in 2007, and we don’t know how we survived before she came. She has been married to her husband Patrick for 18 years and is the mother of two beautiful girls who keep her very busy. You can contact Cecilia at cecilia@muskatfinancial.com.

Brett Hauke joined our team in 2006 as our IT manager. He is a veteran of the computer industry, having worked with technology for over a decade. He keeps our computer and phone systems running flawlessly and is a general go-to guy for the practice. He and his wife Heather live here in Simi Valley and enjoy car shows, camping, and fishing. You can contact Brett at brett@muskatfinancial.com.

Jim Welsh joined our team in August 2016, after being a Portfolio Manager with Forward starting in June 2012. Prior to joining Forward, Jim spent a majority of his career working at an investment advisory firm specializing in tactical asset allocation strategies. He is well known in the investment media and has been frequently interviewed on TV, radio and Internet business shows. He earned his B.A. from St. Thomas College.

This communication strictly intended for individuals residing in the states of AL,AR,AZ,CA,CO,FL,GA,HI,ID,IL,IN,LA,ME,MI,MO,MT,NC,NH,NJ,NM,NV,NY,OH,OK,OR,PA,SC,TN,TX,UT,VA,WA. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.
Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested.
Securities and advisory services offered through Commonwealth Financial Network®.
Member FINRA, SIPC, a Registered Investment Advisor.
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