Cheryl Munoz is a CFA® charterholder with 27 years of experience in the financial services industry. She is currently an advisor at Zephyr Wealth Management and has held positions at OSAIC and FSC Securities Corporation during her career. Outside of advisory work, she assists with operations management for a construction business and is involved in fixed insurance sales and referrals. Zephyr Wealth Management serves individual and high-net-worth clients, offering portfolio management, financial planning, and retirement plan consulting. The firm employs a Business Cycle Asset Management strategy that combines fundamental, cyclical, and technical analysis to adjust asset allocations according to economic conditions, providing both discretionary and non-discretionary services.

Sarah Gassert is a Series 65-licensed advisor at Equity Management Group with no prior industry experience. She has worked at DAV Energy Solutions from 2019 to 2021 and has been with Equity Management Group since 2013. Equity Management Group is a fee-only firm that provides investment management and financial planning to individuals, trusts, estates, non-profits, and retirement plans under a fiduciary standard. The firm offers discretionary portfolio supervision and builds individualized investment plans tailored to clients’ goals and risk tolerance, utilizing a combination of independent research and proprietary analysis.

Evan Shorten is a CFP® professional with 26 years of industry experience, currently serving at Paragon Financial Partners since 2011. He has prior experience with JVIF, LLC and operates A Very Shorten Production, a marketing and public relations consulting firm. Outside of advisory work, he is involved in independent insurance sales. Paragon Financial Partners serves individuals, high-net-worth clients, estates, trusts, and corporations, offering wealth management, portfolio management, financial planning, and occasional trustee services. The firm employs a primarily long-term investment approach based on fundamental analysis and is notable for its use of margin and options in separately managed accounts.

Thea Nesis is a Series 65-licensed financial advisor with seven years of experience, currently with Applied Wealth Management in Santa Monica, CA. She has held roles at Miracle Mile Advisors, LLC, and operates Thea Nesis LLC, where she provides consulting and solicitor services. Additionally, she has a background in law but does not actively practice. Applied Wealth Management serves individuals, business entities, charities, and retirement plans, offering comprehensive financial planning, portfolio management, and estate-planning support. The firm employs an investment approach centered on asset allocation and modern portfolio theory, utilizing custom model portfolios and third-party sub-advisers, with accounts typically managed on a discretionary basis.

Mark Wendell is a financial advisor at MD Wealth Partners, Inc with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MD Wendell Wealth Partners since 2011. Outside of advisory services, he is also involved in offering insurance products, including life insurance, annuities, and long-term care insurance. MD Wealth Partners serves individual, high-net-worth, and business clients by providing investment management through third-party managers, financial planning, and consulting services. The firm emphasizes value, safety, quality, and risk control in its investment approach and works with clients to select strategists on the AssetMark platform that align with their objectives and risk tolerance.

Jeremy Hofer is a CFP® and ChFC® with 21 years of industry experience. He has been with Hofer & Associates Wealth Management since 2016, where he serves as one of two advisors. Hofer is also a licensed insurance agent, dedicating a small portion of his time to insurance-related activities. Hofer & Associates Wealth Management provides discretionary and non-discretionary portfolio management and financial planning to individuals, high net worth clients, charitable organizations, and small businesses. The firm manages approximately $216 million in client assets using a range of methods, including fundamental and technical analysis, modern portfolio theory, and model portfolios tailored to varying risk tolerances.

Jose Tejada Jr. is a financial advisor at Ratio Capital with 14 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at MUFG Union Bank and Unionbanc Investment Services. In addition to his advisory role, he serves as Vice President of Mortgage Lending at Guaranteed Rate and works as a mortgage and lending consultant for The Countermove, Inc. Ratio Capital is a state-registered investment adviser that provides discretionary portfolio management primarily for individual and high-net-worth clients, as well as charitable organizations. The firm integrates general financial planning services and employs a model portfolio approach with oversight of Sub-Advisers to manage client assets.

Yvonne Darby is a CFP® and Series 65-registered advisor at Sherwood Financial Partners, LLC with five years of industry experience. Prior to joining Sherwood, she worked at Fullscreen and McBeard. Sherwood Financial Partners advises individuals, high-net-worth clients, and charitable organizations, providing portfolio management, financial planning, Family Office services, and basic tax preparation. The firm manages portfolios with value-based indexing and active bond management, often using third-party money managers, and offers legal services through a principal who is a practicing attorney.

Douglas Lagerstrom is a financial advisor with Private Wealth Solutions, LLC, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has worked at Kovack Securities, Inc. since 2008 and has been with Private Wealth Solutions since 2017. Outside of his advisory role, he serves as president of a fixed insurance business. Private Wealth Solutions serves individuals, high-net-worth clients, trusts, estates, retirement plans, and businesses with asset management, financial planning, and retirement plan consulting. The firm offers a range of discretionary and non-discretionary portfolio management services and integrates commissionable securities and insurance product sales alongside advisory services.

Julian Scott is a financial advisor at WellAcre Global Wealth Advisors in Santa Monica, CA, holding a Series 65 designation with one year of industry experience. Prior to joining WellAcre, he worked at Generate Capital and McKinsey & Company, and completed an MBA program at The Wharton School. WellAcre Global Wealth Advisors provides investment advisory and planning services to individuals, trusts, pension plans, and business entities. The firm employs multiple analytical methods to create tailored asset allocation strategies and offers a wide range of services including discretionary portfolio management, financial planning, and retirement plan consulting.

Christopher Lynch is a Series 65-licensed financial advisor with five years of industry experience. He is currently with Lynch Financial Group, where he has worked since 2023. His prior experience includes roles at Wealth Watch Advisors, Open Sail Financial, Viking River Cruises, and Cascade Financial Technology. In addition to advisory services, Mr. Lynch offers fixed life and annuity products and conducts medical and Medicare insurance sales as an independent contractor. Lynch Financial Group serves individual and high-net-worth clients by providing portfolio management and financial planning. The firm emphasizes passive portfolio construction using index mutual funds and ETFs, tailoring plans based on asset allocation and risk tolerance, and offers both discretionary and non-discretionary services to a small client base.

Austin Link is a Series 66 licensed advisor at GKV Capital Management Co Inc with one year of industry experience. Prior to joining GKV in 2026, he held roles at Fidelity Investments and has a diverse work background including positions outside the financial industry. GKV Capital Management provides discretionary portfolio management to individual and institutional clients, employing a combined top-down macro analysis and bottom-up fundamental research approach. The firm customizes portfolios to client objectives and integrates held-away accounts while offering financial planning and estate-planning support through third-party technology.

Kumbirai Mtunga is a financial advisor at Private Wealth Solutions, LLC with 19 years of industry experience and holds a Series 66 designation. He previously spent 10 years at Stevens Foster Financial Advisors before joining his current firm. Private Wealth Solutions serves individuals, trusts, pension and profit-sharing plans, and corporate clients by providing asset management, financial planning, and retirement plan consulting. The firm emphasizes tailored, non-discretionary portfolio management and delivers planning work within defined engagements.

Christopher Mattern is a financial advisor at MFA Wealth Services with 19 years of industry experience. He holds the Series 66 designation and has held roles at several firms, including Alliance Advisory & Securities, LLC and 1st Global Advisors Inc. Since 2019, he has been a minority partner at Tone, Walling & Meador LLP, which provides tax preparation, accounting, and CPA services. MFA Wealth Services is a registered investment adviser serving individual and high-net-worth clients, trusts, business owners, and corporations. The firm manages approximately $293 million across 224 accounts, focusing on strategic asset allocation using mutual funds, ETFs, stocks, bonds, and covered options, with an emphasis on discretionary portfolio management.

Steven Karkenny is a CFP® with 10 years of industry experience and is currently an advisor at Kanan Advisors. His prior roles include positions at Integrity Financial Corporation and Alliance Advisory & Securities, Inc. He also owns KarkennyX, a consulting business that assists an unaffiliated investment advisory firm with client deliverables and business growth strategy. Kanan Advisors is a fee-only registered investment adviser that serves employer-sponsored plans, corporate clients, and business owners. The firm uses asset-allocation-based portfolios combining fundamental, technical, and modern portfolio theory techniques, often employing Outside Managers while retaining primary advisory oversight.

Darrell Warner II is a financial advisor with Qmulate, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at QMULATE Capital, BlueRock Capital Advisors, and Clearstone Insurance Services. Qmulate serves individual and high-net-worth clients, small businesses, and retirement plan sponsors with financial planning, coaching, investment consultation, and portfolio management. The firm emphasizes diversified, buy-and-hold investment strategies and provides primarily non-discretionary portfolio management, coordinating with third-party managers as needed.

Kellen Doop is a financial advisor at Maxwell Financial Group, Inc with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Maxwell Financial Group since 2017. Prior to that, he was affiliated with MML Investors Services Inc and Mass Mutual Life Insurance Company. Maxwell Financial Group serves individual clients, including high-net-worth individuals, as well as company and pension plan clients by providing investment supervisory services, financial planning, and third-party portfolio reviews. The firm employs a predominantly non-discretionary investment approach and offers retirement-focused educational seminars at no cost.

Mitchell Kraus is a CFP® with 32 years of industry experience, currently serving at Capital Intelligence Advisors, Inc. since 2004. He also has a longstanding affiliation with LPL Financial, LLC dating back to 2003. Kraus conducts seminars on financial planning and related topics for businesses and associations. Capital Intelligence Advisors provides financial planning services to individuals, families, small businesses, and institutional clients, focusing on written financial plans and ongoing planning engagements rather than discretionary portfolio management. The firm does not take custody of client assets and offers clients the option to implement recommendations through affiliated brokerage and insurance channels.

Mark Tonoff is an advisor with Penmar Wealth Management LLC in Santa Monica, CA, holding Series 63 and Series 65 licenses. He has 18 years of experience through his role as president and insurance agent at Tonoff Financial Services, Inc., and has been with Penmar Wealth Management since 2025. Penmar Wealth Management provides discretionary asset management and financial planning services tailored to client goals, employing a variety of analytical methods and permitting client-imposed investment restrictions. The firm serves a small client base and maintains affiliated insurance businesses alongside its advisory services.

Andrew Eddy is a CFP® and ChFC® with 12 years of industry experience. He has been with Eddy Financial, LLC since 2017 and previously worked at Lincoln Investment for three years. Outside of his advisory work, he volunteers as the Head of his local Homeowners Association. Eddy Financial, LLC provides investment management, financial planning, and retirement plan consulting to individuals, trusts, estates, and business clients. The firm offers customized portfolios and comprehensive advisory services, including referrals to third-party managers and insurance products.