Ralph Williams Jr. is a CFP® professional with 49 years of experience in the financial industry. He is the principal and sole advisor at Sage Wealth Solutions, LLC. Prior to founding Sage Wealth Solutions, he worked for 17 years at Centaurus Financial, Inc. Outside of his advisory role, Ralph is involved in college admission and financial aid consulting through Sage College Planning and serves as the Director of Music at Lancaster United Methodist Church. Sage Wealth Solutions LLC provides portfolio management, investment analysis, and financial planning services to individuals, businesses, trusts, and high-net-worth clients. The firm’s investment approach incorporates multiple analytical methods and includes a formal process for recommending and monitoring third-party Outside Managers.

Bradley Hartman is the sole advisor at Hartman Financial Planning in Santa Clarita, CA, holding a Series 65 designation with 18 years of industry experience. He has operated Options Trading & Education, LLC since 2003, focusing on options strategies and education. Hartman offers options education and paid workshops to individuals and groups, as well as market-timing models and subscription services to other investors and managers. Hartman Financial Planning provides fee-only financial planning and investment advisory services to individuals, families, high-net-worth clients, small businesses, and retirement plans. The firm emphasizes asset allocation and a fundamental, long-term buy-and-hold investment approach tailored to clients’ goals, time horizons, and risk tolerances.

Mayank Madhavani is a CFP® and PFS™ credentialed advisor with three years of experience at Neya Capital. He also serves as a manager and partner at Burkey Cox Evans & Bradford Accountancy Corp., a CPA firm. Prior to his current roles, he worked at KPMG, LLP for four years. Neya Capital provides financial planning and portfolio management services to individual investors and select institutional clients, including retirement plan sponsors and small charitable organizations. The firm emphasizes passive, diversified portfolios using low-cost index funds and ETFs, and offers tax-aware strategies, pension consulting, and client education.

Jazzmine Thomas is a financial advisor at Acrylic Financial, Inc. with five years of industry experience and holds a Series 65 designation. She is also a part owner of Top Shelf Financial LLC and maintains a life insurance license. Prior to her current roles, she worked at High Desert Medical Group and People Helping People. Acrylic Financial, Inc. provides portfolio management and financial planning services to individuals, including high-net-worth clients, other advisers, corporations, and pooled investment vehicles. The firm employs a combination of asset-allocation frameworks, active momentum models, and both fundamental and technical analysis to tailor investment programs to client goals and risk tolerance.

Michael Parrinello is a financial advisor at BCN Financial, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial LLC and Crown Capital Securities, LP. Outside of his advisory work, he volunteers as a football coach in Valencia, CA. BCN Financial provides retirement plan advisory and financial planning services primarily to employer-sponsored retirement plan participants and members of over 200 Police and Fire Department associations. The firm’s investment approach emphasizes mutual funds and ETFs, combining fundamental, technical, and sentiment analysis with market timing, and it offers detailed client reporting and performance transparency uncommon among similar-sized firms.

Norine Correa is a financial advisor with Navy Federal Investment Services, LLC, holding the ChFC® designation and Series 63 and 66 licenses. She has 15 years of industry experience, all within various entities affiliated with Navy Federal. Outside of her advisory role, she owns Mother of Millions, a life purpose and spiritual coaching business. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts, providing portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes model portfolios managed by third-party portfolio managers and offers a variety of advisory platforms including wrap fee programs and automated ETF-based strategies.

Robert Derryberry is a financial advisor at Inspire Advisors, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked at Inspire Advisors since 2019, following eight years at Ameriprise Financial Services, Inc. He is also involved with Derryberry & Associates LLP, a business he has been associated with since 2006. Outside of his advisory work, Derryberry serves on the board of the Lancaster Performing Arts Center Foundation. Inspire Advisors, LLC is a multi-advisor registered investment adviser managing approximately $1.03 billion for around 3,800 clients, including individuals, institutions, and charitable organizations. The firm incorporates Biblically Responsible Investing using proprietary scoring and screening tools and employs a variety of investment strategies including index-based, strategic, and tactical allocations.

Lucy Matsumoto is a financial advisor at Encompass More Asset Management LLC with 8 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Transamerica Financial Advisors, Inc. and Managed Health. Outside of her advisory role, she owns and operates Lucy Matsumoto & Associates Inc., a pass-through entity for commission-related activities. Encompass More Asset Management LLC serves individual and high-net-worth clients by providing discretionary portfolio management, financial planning, and access to private placements. The firm uses a model-based investment approach combining quantitative, qualitative, and fundamental analysis, managing approximately $582 million for around 4,000 clients.

Jennifer Joseph is a financial advisor with Eagle Strategies (NY Life) based in Glendale, CA. She holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining Eagle Strategies, she worked at FM Global and has been affiliated with NYLIFE Securities LLC and New York Life Insurance Company since 2020 and 2021 respectively. Eagle Strategies LLC serves individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients by providing financial planning, investment advisory, and retirement plan consulting services through a large network of advisors. The firm emphasizes client-directed solutions and the use of third-party managers and model portfolios, managing over $25 billion in regulatory assets.

Steven Sansone is a financial advisor at Empower Advisory Group with seven years of industry experience. He has previously worked at Pensionmark Financial Group, LLC and kPlans Investment Services. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated solutions tied to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns and client savings rates through proprietary and third-party planning methodologies.

Carl Ermelbauer is a CFP® professional with eight years of industry experience, currently serving as a managing partner and investment advisor representative at NewEdge Advisors. His prior roles include positions at WealthSource Partners, International Assets Advisory, and JP Morgan Securities, among others. In addition to his advisory work, he is involved in insurance sales. NewEdge Advisors serves a diverse client base including individuals, trusts, pension plans, corporations, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management through a wrap fee program that integrates asset management with financial planning, utilizing a range of investment strategies and regular portfolio reviews.

Elias Martinez is a financial advisor with Kestra Advisory, holding Series 63 and Series 66 licenses and over a decade of industry experience. His prior roles include positions at Edward Jones, TekSystems, LPL Enterprise LLC, and Glendale Securities Inc. He has been with Kestra Advisory and its affiliate Kestra Investment Services since 2025. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers a range of services such as fiduciary consulting, investment due diligence, and employee education, and manages approximately $79.8 billion in assets, serving clients that include sovereign wealth funds.

Connor Dominici is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Creative Planning. Before joining Creative Planning in 2021, he held roles in various sectors including biotechnology and fitness. Creative Planning is an enterprise firm managing approximately $217 billion in client assets, serving a diverse client base through a financial planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, alongside supplemental portfolio management techniques. The firm offers a broad range of services including retirement plan fiduciary solutions and access to private market investments, supported by affiliated legal, trust, and recordkeeping businesses.

Susan Rodriguez is a Series 66 licensed financial advisor at Citigroup Global Markets with three years of industry experience. She has worked continuously at CitiBank since 2016 and previously spent four years at Vallarta. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by in-house research and extensive market roles.

Eriberto Nieto is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in retirement, income, and corporate 401(k) planning. He adopts a comprehensive approach to wealth management, focusing on understanding each client's family, financial situation, and priorities. Eriberto develops customized strategies that remain flexible to accommodate clients' evolving needs and market conditions. His services integrate access to Merrill's investment insights alongside the banking and lending solutions of Bank of America to address a wide range of financial needs. Eriberto’s areas of expertise include college education planning, corporate benefits, divorce transition planning, executive compensation, legacy planning, managing new wealth, portfolio management, and retirement income. He holds professional designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree in Finance from San Jose State University. In addition to his professional work, Eriberto follows Merrill’s tradition of community involvement and dedicates time volunteering with local organizations. Outside of work, he enjoys boating, golfing, skiing, and spending time with his family.

Matthew Vattioni is a financial advisor with Wells Fargo Advisors in Lancaster, California, holding Series 63 and Series 66 licenses and 16 years of industry experience. Prior to his current role, he worked within Wells Fargo entities, including Wells Fargo Clearing and Wells Fargo Bank. He is the owner of Vattioni Wealth Management, an S-Corp focused on financial practice operations. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, providing a broad suite of planning options and tailored recommendations supported by firm research and tools.

Esteban Sanchez is a Financial Consultant at Fidelity Investments, where he has been working since 2016. He has more than a decade of experience in financial services, having held roles as an Investment Consultant from 2014 to 2016 and as a Financial Representative from 2013 to 2014 within the same company. His expertise includes developing comprehensive financial plans tailored to individual client needs. Esteban holds a California Insurance License, supporting his work in financial consulting. Outside of his professional role, Esteban has personal interests in camping, family activities, hiking, movies, and volunteering.

Seon Petrosian is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds a Series 66 designation and has worked previously at Thrivent Financial, Home Depot, Hennes & Mauritz, and Pacific Real Estate. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm delivers holistic, goal-based planning with written recommendations across various financial topics, allowing clients to combine planning with managed-account programs under a consolidated billing option.

Robert Nugent is a financial advisor with LPL Financial in Tarzana, CA, holding Series 63 and Series 65 credentials and three years of industry experience. He has worked at LPL Financial since 2022 and concurrently serves at Logix Federal Credit Union since 2015. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment delivery options supported by an in-house research team and combines advisory operations with non-advisory product activities such as insurance and annuities.

Fred Escobedo is a financial advisor at Merrill with 7 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2010, alongside prior experience at Bank of America, N.A. through 2018. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager-driven strategies and tax-efficient implementation, supported by integration with Bank of America’s broader banking and capital markets platform.

Martin Cornelis is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services since 2021 and Bank of America and Merrill from 2015 to 2021. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios consisting of mutual funds, ETFs, and ETPs.

William Gonzalez is a financial advisor at Edward Jones with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2016. 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 programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jesse Mettrick is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining the firm, he worked in the aerospace industry with Lockheed Martin Aeronautics and General Atomics Aeronautical. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm provides comprehensive, goal-based financial planning that covers a broad range of topics and can be combined with managed-account services under a consolidated billing option called “WealthPlan.”

Franklin Fernandez Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. His prior experience includes roles at Western International Securities, World Financial Group, Atlas Wealth Management, and Financial West Group. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house Research team, combining large-scale advisory operations with non-advisory product activities such as insurance and annuities.

Daniel Ledbetter is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various capacities within Wells Fargo entities since 2010. Outside of his advisory role, he teaches a business math course at Antelope Valley College. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet a net-worth threshold. The firm uses proprietary research and tools to develop recommendations and integrates advisory services with other financial products and referral channels.

Tanya Sanchez is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021. Prior to this, she held positions at Bank of America, N.A., PUC Schools, and the University of California, Santa Cruz. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities alongside tax-efficient investment solutions.

Abigail Ryan is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has 10 years of industry experience, including six years at Merrill and eight years with J.P. Morgan Chase Bank and J.P. Morgan Securities. Outside of her advisory work, she is a landlord of a rental property. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Gary Pearson is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and Wells Fargo in various advisory roles since 2015. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and fiduciary services, combining advisor-managed accounts, model portfolios, and third-party solutions with retirement and institutional capabilities.

Kathryn Wilkerson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been affiliated with Cetera and its related entities since 2013 and is also the president and owner of Sierra Financial Services, a tax preparation and accounting business. Additionally, she is a registered representative involved in the sale of fixed insurance products. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to various third-party money managers and program structures.

Eric Dizon is a financial advisor with Edward Jones in Palmdale, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Prior to joining Edward Jones in 2025, he worked with several insurance firms, including Pacific Premier Insurance, Great Harbor Insurance, Insuritas, and Answer Financial. 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 strategies supported by a large network of financial advisors and branch offices.

George Andrews is a financial advisor with Thrivent Investment Management in Lancaster, CA, holding a Series 66 designation and 22 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Andrews serves as president of the Lancaster West Rotary Scholarship Foundation, which collaborates with the Antelope Valley College Foundation to award scholarships annually. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning covering various financial topics and allows clients to integrate planning with managed-account services under a consolidated billing option.

Rocio Montagner is a financial advisor with Edward Jones in Palmdale, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining a large nationwide network of advisors and branch offices.

Hugo Sanchez is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has previous work history with Wells Fargo, Bank of America, Merrill, and ADP. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage multi-manager and fund-of-funds structures, delivering model portfolios and maintaining oversight of sub-advisers.

Gregory Bishop is a financial advisor at Cambridge Investment Research Advisors with nine years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and Axa Advisors, LLC. Outside of his advisory role, he is the founder of Public Employee Resource Center, where he engages as an author, educator, podcaster, and speaker. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing model portfolios, third-party strategists, and multiple account platforms.

Sheldon Reed Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. His prior work includes roles at CUSO Financial Services, Wescom Financial Services, Invest Financial Corporation, Logix Federal Credit Union, and JPMorgan Securities. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plans, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and accommodates both advisory and brokerage services tailored to client needs.

Joseph Gertie is a CFP®-designated financial advisor with 40 years of industry experience, currently with Cetera. He has held roles at Girard Securities Inc. and has been involved with Epic Estate Plans since 2017. Outside of his advisory work, he acts as a networking counselor for estate planning and refers potential homeowners to solar contractors. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing advisor-managed accounts, model portfolios, and third-party solutions, along with retirement and fiduciary capabilities integrated into its broader institutional platform.

Darren Norton is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and eight years of industry experience. He has been with Thrivent and its affiliated entities since 2017. Outside of his advisory role, he consults in the optical disc and record label industry, assisting labels with transitions to new production facilities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a range of areas, combining planning with managed-account services under a consolidated billing arrangement called “WealthPlan.”

Michelle Elliot is a financial advisor at LPL Financial with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2018. Prior to that, she spent 11 years at INVEST Financial Corp. and has been associated with Logix Federal Credit Union since 1992. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment delivery options supported by an in-house research team, combining large-scale advisory capabilities with a range of non-advisory financial products.

Chien Chen Huang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, Huang worked at East West Bank and has been associated with Primerica Financial Services and 99 Ranch Market. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-driven strategies and select separately managed accounts for individual and high-net-worth clients, primarily structured as a wrap-fee solution rather than institutional plan management.

Michael Gibbons is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 19 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, JP Morgan Chase Bank, J.P. Morgan Securities, and Wm Financial Services. He is also involved with Logix Financial Services, a DBA entity related to his LPL business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Adolfo Valencia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Alameda Mortgage Corporation, Royal Mortgage Solutions, and NCWC Dealer Services Inc. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management functions.

Anallely Madrigal Morfin is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2019. Prior to that, she worked at JPMorgan Chase Bank, N.A. and Fast Auto Loans. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Oscar Nevarez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its services on a non-discretionary basis.