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.

Marcus Mann is the sole advisor at Prosperity Planning and Advisory, LLC, a California-registered investment adviser established in 2025. He holds Series 63 and Series 65 licenses and has been self-employed in various investment-related roles since 2009. In addition to his advisory duties, Mr. Mann is licensed as a life insurance agent in California and engages in self-directed short-term trading of stocks and futures. Prosperity Planning and Advisory provides financial planning and portfolio management services primarily to individuals, families, and small business owners. The firm follows a long-term, goals-driven investment approach emphasizing strategic asset allocation and diversified, low-cost mutual funds and ETFs, with a focus on tax efficiency and retail clients, including those without high net worth.

Troy Flowers is an advisor at Cash Flow Technologies with Series 63 and Series 65 credentials and one year of industry experience. He has worked at Legalzoom since 2007. Cash Flow Technologies specializes in discretionary portfolio management focused on covered option-selling strategies for institutional and pooled accounts. The firm also provides project-based advisory services such as financial plan development, portfolio reviews, and retirement plan analysis, offering both ongoing management and one-time or hourly consulting engagements.

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.

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.

Vicki Landry is a financial advisor with Encompass More Asset Management LLC in Lancaster, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Her prior roles include positions at Transamerica Financial Advisors and Axianta Financial Partners. Landry also works as an insurance agent with AgencyFi. Encompass More Asset Management LLC primarily serves individual and high-net-worth clients, offering discretionary portfolio management through proprietary and third-party model portfolios, financial planning, and access to private placements. The firm employs a model-based investment approach combining quantitative, qualitative, and fundamental analysis.

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.

Maxwell Shapiro is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at LPL Financial, Householder Group Estate & Retirement Specialists, Allstate Insurance Co, and Sammons Financial Network. Outside of his advisory work, he serves on the board of the Antelope Valley Boys & Girls Club and coaches track and field for Coast 2 Coast International Athletics. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Colin Mc Graw is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at LPL Financial, Cetera Advisors, and OneAmerica Securities. Outside of financial advising, he is involved with several non-investment business entities including Killer Komics Corp and Purple Bunny Corp. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach that combines passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and specialized retirement consulting services.

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.

Kenneth Galanis is a Series 66-licensed financial advisor with seven years of industry experience. He is currently with LPL Financial and has previously worked at firms including Triad Advisors, Royal Alliance, and Waddell & Reed Inc. 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 and combines large-scale advisory operations with various non-advisory product activities.

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.

Kevin Von Tungeln is a financial advisor with LPL Financial based in Lancaster, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has worked at LPL Financial and its affiliates since 2019 and previously at Householder Group Estate & Retirement Specialists. In addition to his advisory role, Von Tungeln is an estate planning lawyer at Thompson Von Tungeln, a law firm he has been associated with since 1997. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of delivery options and investment models supported by an in-house research team, combining large-scale advisory operations with non-advisory product activities such as insurance and lending services.

Arshdeep Singh is a financial advisor at Ameriprise with a Series 66 credential and three years of industry experience. He has been with Ameriprise since 2021. Prior to his advisory role, his background includes positions in healthcare and education sectors. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to produce written recommendation reports, delivered through a centralized consulting team in partnership with its financial advisors.

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.

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.

Dario Orellana is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2009. Merrill serves a diverse client base, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with varying levels of discretion, supported by a chief investment office and extensive manager oversight.

Stephanie Bueno is a Series 66 licensed financial advisor at Thrivent Investment Management with five years of industry experience. She has worked at various Thrivent entities since 2018 and previously at James Loken from 2016 to 2018. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering holistic, goal-based financial analyses and planning without discretionary trading authority. Their services include a managed-account program integrated through a consolidated billing option called “WealthPlan.”

Jennifer Schrier is a financial advisor at OSAIC with five years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors and Northwestern Mutual. Outside of her advisory role, she serves as an agent offering fixed insurance products, including annuities and life insurance, through Odyssey Wealth Design. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations. The firm provides advisory and brokerage services through a large network of advisors and utilizes a comprehensive investment process that incorporates risk tolerance assessments, asset allocation software, and portfolio optimization tools.

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.

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.

Jocelyn Wee is a financial advisor with Merrill in Lancaster, CA, holding Series 63 and Series 66 licenses and 21 years of industry experience. She has been with both Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011. Merrill serves a broad range of clients 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 utilizes multiple investment strategies with both client and advisor discretion and is integrated with Bank of America’s broader banking and capital markets platform.

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.

Christopher Lohs is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has worked at LPL Financial in multiple periods since 2014, as well as at IFG Advisory, LLC and Householder Group Estate & Retirement Specialists. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of financial planning and investment management options supported by an in-house research team and a large network of investment adviser representatives.

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.

Lisa Fourr is a CFP® professional with 29 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. She previously worked at SagePoint Financial, Inc. for 14 years. In addition to her advisory role, she owns a sole proprietorship providing fixed insurance products and serves as a notary public to support securities transactions. OSAIC is a large SEC-registered investment adviser and FINRA broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a comprehensive investment process combining risk-tolerance assessments, asset allocation software, and portfolio optimization tools, offering a broad range of investment options and advisory programs.

Pandelis Chryssostomides is a financial advisor at LPL Financial with 40 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Ameriprise and FSC Securities Corporation. He also operates a tax preparation and accounting business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, and institutions. The firm offers a wide range of investment solutions supported by in-house research and a large network of investment adviser representatives.

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.

Steven Angebrandt is a financial advisor at Edward Jones with 20 years of industry experience. He has held his current position at Edward Jones since 2005 and holds Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Gisselle Swanson is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Bank. Outside of her advisory role, she is the sole proprietor of Blomst & Co., a floral and event design business. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm’s investment process combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios using mutual funds, ETFs, and ETPs.

Daniel Rice is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Cetera Wealth Services, LLC, Westlake Coach Company LLC, and CE Enterprises Inc. Rice is also involved in tax preparation through Antelope Tax Service and sells fixed insurance products such as life, health, disability, annuities, and long-term care. 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 discretionary and non-discretionary portfolio management, financial planning, retirement plan solutions, and access to third-party money managers, supported by a combination of advisor-managed accounts, firm-sponsored model portfolios, and multiple program structures.