Zachary Rayman is a Series 66-licensed financial advisor with eight years of industry experience, currently affiliated with LPL Financial in San Jose, CA. His prior experience includes positions at Bank of America and Merrill. Outside of his advisory role, he is involved as an insurance agent selling life, health, and disability products. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, while employing various investment strategies supported by technology and extensive advisory resources.

Charles Sosa is a Series 66-licensed financial advisor with 16 years of industry experience, currently with LPL Financial since 2021. His prior roles include positions at Securities America Advisors and National Planning Corporation. Outside of his advisory work, he is involved with Lifestyle Financial Services, a non-variable insurance business he started in 2008. 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 advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customizable strategies, supported by technology for operational and research assistance.