Luke Schork is a financial advisor with Integrated Wealth Concepts LLC in Carlsbad, CA, holding a Series 66 credential and nine years of industry experience. He has worked at Integrated Wealth Concepts since 2019, following two years at Independent Financial Partners and concurrent tenure with LPL Financial. Outside of his advisory roles, Schork is a licensed notary public. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios and a combination of internal management and third-party asset managers.

Michael Lambrix is a financial advisor with Kestra Advisory in Fallbrook, CA, holding a Series 66 credential and bringing 25 years of industry experience. He previously worked for Commonwealth Financial Network for 12 years before joining Kestra Advisory and Kestra Investment Services, LLC in 2025. Outside of his advisory role, Lambrix is the owner of Monarch Retirement Group, where he manages strategic operations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, supporting recommended investments with due diligence on performance, fees, and process.

Duane Knopke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He worked at LPL Financial for 11 years before joining Independent Financial Group in 2009. Knopke also operates an independent insurance business focused on life, health, disability insurance, and fixed annuities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, trusts, corporations, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms, utilizing both firm- and third-party models to tailor strategies based on client risk profiles.

Adriana Beltran Romeo is a Series 66-licensed financial advisor with six years of industry experience. She currently works at TLG Advisors, Inc. and has previously held roles at firms including Simplicity Investments, Lincoln, Ascensus, and TD Ameritrade. TLG Advisors, Inc. serves a diverse client base ranging from individuals and high-net-worth clients to institutional investors. The firm emphasizes manager selection and portfolio diversification using fundamental analysis and Modern Portfolio Theory, offering both traditional advisory services and a digital investment program called Starlight Portfolios.

Robert Chapman is a financial advisor with Independent Financial Group, LLC in Carlsbad, CA, holding a Series 63 designation and 31 years of industry experience. His prior work includes nearly a decade at LPL Financial and over 20 years operating his own financial consulting practice. Outside of his core advisory role, he is the sole owner of a marketing DBA, Pacific Crest Global Wealth Management, and is also licensed as a California insurance agent and an independent contractor offering mortgage lending services. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios across both active and passive exposures, offering a range of financial planning and portfolio management solutions through various platforms.

Victoria Plum is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Independent Financial Group since 2015. Plum also operates a business entity for tax and investment purposes. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and retirement plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence using both active and passive investment approaches.

Megan Johnson is a CFP® professional with 13 years of experience in financial advising. She is currently with Kestra Advisory Services, LLC, having joined in 2025 after a decade at Commonwealth Financial Network. She is also a 16.5% owner of Monarch Retirement Group, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including large plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.

Megan Nielsen is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 65 licenses and having 18 years of industry experience. Her career includes roles at Mutual of America entities and Wealthspire Retirement Advisory. Outside of advising, she serves as president of Fort Stockton Investments, Inc., which manages income from mining rights and interests. Integrated Wealth Concepts LLC serves a broad client base including individuals, families, trusts, and retirement plans through independent advisors. The firm offers discretionary investment management, financial planning, and family office services, using primarily mutual funds, ETFs, equities, and fixed income to create customized portfolios with a long-term investment approach.

Alex Esposito is a financial advisor at Integrated Wealth Concepts LLC with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at OneDigital Investment Advisors LLC, Triad Advisors, Independent Capital Management, and Sagepoint Financial. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with mutual funds, ETFs, individual equities, and fixed income using primarily a long-term approach.

Kent Colwell is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 designations and offering 38 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation and Transamerica Life Insurance Company since 2019, as well as previous positions at Intelligence Driven Advisers, Labrum Wealth Management, RSM US Wealth Management, and several other firms. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation, contribution guidance, and retirement planning, utilizing proprietary portfolio models developed in partnership with Morningstar Investment Management.

Deanna Williamson is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 66 designation and bringing 24 years of industry experience. She has been with J.W. Cole Advisors and its affiliated firm since 2013. Outside of her advisory role, she owns and operates Williamson Financial Investments and Planning, providing investment management and retirement consulting services since 2005. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, fee-based financial planning, and multiple managed account solutions, utilizing discretionary and non-discretionary approaches that include fundamental and technical analysis as well as algorithmic allocations.

Aaron Chamberlin is a financial advisor at Oppenheimer with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Stifel Nicolaus & Co., Wells Fargo Clearing, and A.G. Edwards & Sons. Chamberlin is also the trustee of the John Arnold Family Trust, a role he has held since 1998. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of discretionary and non-discretionary investment programs across equity, balanced, and fixed-income portfolios, with a notable focus on non-discretionary advisory assets and integrated custody services.

Luke Dubois is a financial advisor at Integrated Wealth Concepts LLC with a Series 65 credential and approximately one year of industry experience. Prior to joining Integrated Wealth Concepts, he worked at Deloitte & Touche LLP for three years and has held positions at RetirementDNA and in academia. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios with a long-term approach supplemented by shorter-term trades and oversight of third-party managers.

Jacqueline Jackman Cunningham is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked with Ameritas Advisory Services since 2021 and has longstanding affiliations with Ameritas Life Insurance Corp, Hawkeye Brokerage Center, and Ameritas Investment Corp, each for over two decades. Cunningham is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of asset management and consulting services, utilizing model portfolios, mutual funds, ETFs, interval funds, and individual securities, supported by various program platforms and third-party technology.

Matthew Cairo is a CFP® professional currently affiliated with J. W. Cole Advisors, Inc. He has two years of industry experience, including prior roles at Bifrost Financial Planners and Blankinship & Foster, LLC Fiduciary Financial Advisors. In addition to his advisory work, he manages a financial planning DBA, O'Carroll Financial Planning, and serves as a successor trustee and power of attorney for multiple family members. J. W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutional accounts. The firm uses a range of discretionary and non-discretionary strategies incorporating fundamental and technical analysis.

Hector Monroy III is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at Westmount Asset Management and Standish Management. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary asset management, financial planning, and consulting services.

David Baldwin is a CFP® with 20 years of experience in financial advising, currently with Commonwealth Financial Network. His prior roles include positions at Talents Financial Planning and Wealth Management, LS Investment Management, TCFG Wealth Management, and Edward Jones. Baldwin is also the author of the book *The Balancing Act, Rewriting Your Financial Script*. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, supporting various investment strategies and portfolio implementation.

Mark Bobin is a financial advisor with Independent Financial Group, LLC in Encinitas, CA, holding Series 63 and Series 65 credentials and having 25 years of industry experience. He previously worked at LPL Financial from 2004 to 2010 before joining Independent Financial Group, where he has been since 2010. Outside of advisory services, he is a California public notary. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs both active and passive investment strategies tailored to client risk profiles.

Adam Horde is a financial advisor at Kestra Advisory with 14 years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network, Cabrillo Mortgage, and Monarch Retirement Group. He is a 16.5% owner/member of Monarch Retirement & Investments LLC, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves clients including sovereign wealth funds.

Mark Ealy is a CFP®-certified financial advisor with 24 years of industry experience, currently practicing at Independent Financial Group, LLC since 2009. He previously worked at Woodbury Financial Services, Inc. for five years. Outside of his advisory role, he serves as a board member for Solutions for Change, a nonprofit focused on addressing homelessness. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm employs a model-driven investment approach combining strategic asset allocation and multi-manager portfolios across various risk profiles.