Timothy Merwin is a CFP® with eight years of industry experience, currently advising at Voya Financial Advisors, Inc. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he serves as a soccer referee for children's games on weekends. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, retirement plan sponsors, and high-net-worth clients, offering financial planning, portfolio management, and plan-sponsor consulting through a variety of program structures.

David Hilton is a financial advisor with Voya Financial Advisors, Inc. He holds a Series 66 designation and has 38 years of industry experience, including 12 years with Voya. Outside of his advisory role, he works as a certified scuba diving tour guide at the Aquarium of the Pacific. Voya Financial Advisors, Inc. serves a broad mix of individual and institutional clients, providing financial planning, portfolio management, and plan-sponsor consulting through multiple program structures, including non-discretionary advisory relationships and third-party money manager access.

Joe Marini is a financial advisor with Voya Financial Advisors, Inc. He holds the Series 63 and Series 65 designations and has 26 years of industry experience. Marini has been with Voya Financial Advisors since 2015 and also works with Voya Retirement Advisors. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional clients, offering financial planning, portfolio management, and plan-sponsor consulting through various program structures with an emphasis on non-discretionary recommendations.

Lilia Hernandez is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Merrill, Bank of America N.A., and J.P. Morgan Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including research, security pricing, and derivatives services.

Laura Ayon is a financial advisor at Empower Advisory Group with six years of industry experience. She holds a Series 66 designation and has worked at GWFS Equities, Inc., JPMorgan Securities LLC, and JPMorgan Chase Bank NA. Outside of her advisory role, she is an independent consultant for Paparazzi Accessories, a business selling jewelry and hair accessories. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Miguel Marin is a financial advisor with Empower Advisory Group in Riverside, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior work history includes roles at GWFS Equities, Inc., J.P. Morgan Securities, and JP Morgan Chase Bank. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm delivers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Juan Medina Luna is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 66 licenses. He has six years of industry experience, including roles at Wells Fargo and Centaurus Financial. Medina Luna is also involved in entrepreneurial ventures such as Asegure Su Legado, a consulting services firm. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm uses an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through its network of 477 independent investment advisors.

Scott Meinert is a financial advisor with Valic Financial Advisors in Glendale, CA, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. He has been with Valic Financial Advisors since 2014 and is also an agent at Agia, where he offers non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm provides discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Ruth John is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and over 13 years of industry experience. She has a diverse work history that includes roles at Wealthwave, LSPN Pro, LLC, and Nationwide Student Loans. Outside of her advisory duties, she volunteers regularly at Abundant Living Family Church, assisting in the nursery to support families during services. Transamerica Financial Advisors serves a wide range of clients including individuals, high-net-worth clients, pension plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party managers, providing discretionary and non-discretionary investment program options.

La Tanya Harris is a financial advisor at Voya Financial Advisors, Inc. with 12 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Michaels and Advised Assets Group, LLC. Harris also serves as a part-time faculty member at Long Beach City College, where she teaches management courses to adult students. Voya Financial Advisors, Inc. serves a wide range of individual and institutional clients, offering financial planning, portfolio management, and plan-sponsor consulting through various program structures. The firm provides primarily non-discretionary advice and operates as both an SEC-registered investment adviser and a broker-dealer.

Andres Han is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. He previously worked at CUNA Brokerage Services, Inc. and has been affiliated with Schools First FCU since 2014, where he also serves in an advisory capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a wide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research and model portfolios from various sources.

Amanda Smithberg Urban is a financial advisor at Ameriprise with 19 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized recommendations through a centralized consulting team.

Mike Mc Coy is a financial advisor with Ameriprise who holds a Series 63 designation and has 37 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, he is involved in commercial real estate ownership. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Arturo Centeno is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has been with JPMorgan Securities, LLC and JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he is also a rental property owner. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm delivers its program on a non-discretionary basis and combines large institutional advisory operations with additional market-facing registrations and functions.

Casey Reyna is a financial advisor with LPL Financial, holding a Series 66 designation and beginning their advisory career in 2025. Prior to joining LPL Financial, Reyna's work experience includes roles at FedEx Ground and the University of California, Santa Barbara. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory and brokerage services, including financial planning and retirement plan consulting, supported by model portfolios and research.

Travis Bartsch is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He previously worked at Woodbury Financial Services, Inc. for 12 years before joining Osaic in 2024. Outside of his advisory role, he operates a fixed insurance agency. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, employing tools like asset-allocation models and automated rebalancing to manage portfolios across various asset classes.

Damian Lozano is a financial advisor with Primerica Advisors in Redlands, CA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior work includes roles in education at various San Bernardino school districts and colleges, alongside operating a family-owned tax preparation business, Computer Tax Service. Lozano also engages in the sale of home security and automation product referrals through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, with approximately 3,935 advisors and $15.5 billion in assets under management. The firm delivers advisory services primarily through model-driven strategies provided by third-party asset managers and supports trade execution and custody through established financial institutions.

Jorge Caceres is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2016, with prior experience at Live Nation Entertainment. 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 through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Arlette Oberg is a financial advisor with Ameriprise in San Jacinto, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2001. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, delivering annual, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Corraliza is a financial advisor at Fidelity with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and MassMutual. Fidelity’s subsidiary, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund and model portfolio strategies.