Jacob Pathe is a Series 66 licensed financial advisor with Citigroup Global Markets, where he has worked since 2007. He has 22 years of industry experience. Citigroup Global Markets serves individual and institutional clients across several wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including acting as a swap dealer and futures commission merchant.

Peter Lupone is a CFP® professional with 37 years of industry experience, currently serving at Valic Financial Advisors since 2010. He also holds Series 63 and Series 65 licenses and has been associated with Agia since 2022, where he is involved in 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 offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet UMA models to construct client portfolios.

Kimberly An is a financial advisor at Independent Financial Group, LLC with a Series 66 designation and two years of industry experience. She has been with Independent Financial Group since 2015. Independent Financial Group, LLC provides investment advisory and brokerage services to a broad client base including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and combines strategic asset allocation with active and passive investment exposures across different risk profiles.

Leng Lo is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He has been with Citigroup Global Markets since 2007 and holds the Series 66 credential. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains in-house research and security-pricing activities alongside unique market roles such as swap dealer and futures commission merchant.

Robert Arensberg is a ChFC® credentialed financial advisor with 25 years of industry experience. He has been with Eagle Strategies (NY Life) since 2014 and has held concurrent roles with NYLife Securities LLC and New York Life Insurance since 2007. His activities include insurance brokering through various companies for non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides tailored advice through multiple program types, mostly managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Thomas Elsea is a financial advisor with Transamerica Financial Advisors who holds a Series 66 designation and has eight years of industry experience. He has worked at Transamerica Financial Advisors and Wfgia since 2018. His other business activities include sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through a variety of proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Christian Schank is a financial advisor with Integrated Wealth Concepts LLC in Riverside, CA, holding one year of industry experience. He is also the owner and practicing attorney at the Law Offices of Christian Schank & Associates, APC, a role he has maintained since 2003. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, consulting, family office, and retirement plan advisory services, employing a long-term investment approach alongside customized portfolio construction.

Yuming Su is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Citigroup, Su held positions at several firms including U.S. Bancorp, J.P. Morgan Securities LLC, and Bank of America. Citigroup Global Markets serves individual and institutional clients encompassing workplace, high-net-worth, and ultra-high-net-worth segments. The firm employs multi-asset, multi-manager investment strategies across discretionary and non-discretionary programs and maintains significant institutional capabilities, including in-house research and specialized market roles.

Calvin Wu is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 66 designations and previously worked at HSBC Bank USA, N.A. from 2016 to 2022 before joining Citigroup in 2022. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and security-pricing capabilities, supported by a large institutional scale and specialized market roles.

Jjean Claude Baldivino is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and nine years of industry experience. He has worked at Transamerica Financial Advisors since 2017 and is also involved with Alliance Financial Solutions, Inc. and Inheritguard, LLC, where he provides education and client support related to estate planning services. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs.

Alexis Reynoso is a financial advisor with Centaurus Financial, Inc. in Riverside, CA, holding Series 63 and Series 66 licenses and having eight years of industry experience. In addition to his advisory role, he is a certified tax preparer and serves as a junior partner at Empire Financial Benefits, Inc. He also works part-time helping clients with medical insurance questions and placement through Blue Shield and Kaiser. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements with a variety of investment analysis techniques.

Amy Lilly is a financial advisor at D.A. Davidson & Co. with 24 years of industry experience. She holds Series 63 and Series 66 designations and has been with D.A. Davidson since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base including retirement plans, individual investors, charitable organizations, and corporate clients. The firm emphasizes fiduciary standards and offers a range of services such as ERISA retirement plan advisory, financial planning, and a private wealth program for high-net-worth clients.

Justin Dorado is a financial advisor with PNC Wealth Management in Riverside, CA, holding Series 63 and 66 licenses and bringing 11 years of industry experience. His prior roles include positions at LPL Financial and Wells Fargo Clearing. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only, employee pilot digital platform that uses algorithmic risk assessments and discretionary model accounts managed with mutual funds and ETFs.

Po Ying Chen is a CFP® professional with 10 years of industry experience, currently serving at Independent Financial Group, LLC. Prior to joining Independent Financial Group in 2021, Chen worked at Globalink Securities, TransGlobal Advisory, Transamerica Financial Advisors, and World Financial Group. Outside of advisory work, Chen holds officer and director roles in an insurance agency and provides mortgage lending services. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs both firm- and third-party models to develop personalized investment strategies, combining passive and active management across various risk profiles.

Isahi Medina is a financial advisor with Centaurus Financial, Inc. in Upland, CA, holding a Series 66 designation and bringing eight years of industry experience. Medina has been with Centaurus Financial since 2015 and is also affiliated with 1 ON1 Financial. Outside of advisory duties, Medina co-hosts a podcast focused on financial education and serves as an educator developing online courses covering budgeting, investing, retirement, and related topics. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers a range of financial planning and portfolio management services, employing various analytical approaches and providing both discretionary and non-discretionary arrangements.

Nain Perez is a financial advisor at Valic Financial Advisors with 21 years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill and Ameriprise. Outside of his advisory role, he is involved in occasional land transactions and owns an LLC that buys real estate assets using IRA funds. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors supported by centralized technology and third-party model managers.

Daisy Wang is a financial advisor with Eagle Strategies (NY Life) and holds Series 65 and Series 63 licenses. She has eight years of industry experience, including roles at NYLIFE Securities, LLC and New York Life Insurance Co. Wang also brokers non-registered insurance products with outside carriers. Eagle Strategies serves a diverse client base, including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored solutions through various program types and focuses primarily on non-discretionary advisory relationships.

Rahul Karugapadam is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 66 credentials and seven years of industry experience. His career includes roles at Ameriprise, Comerica Securities, Wells Fargo, and J.P. Morgan. He is also a part owner of his wife's hair salon. FIFTH THIRD SECURITIES serves individual and institutional clients through investment advisory and brokerage channels, offering multiple program types and third-party portfolio managers on its Passageway Managed Account platform. The firm operates as a direct wholly owned subsidiary of Fifth Third Bank and manages a broad range of investment solutions including mutual funds, ETFs, SMAs, and direct indexing.

Abu Gofran is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. He has worked at Lincoln Investment since 2017 and was previously with Legend Equities Corporation from 2011 to 2017. Outside of his advisory role, he operates a health insurance brokerage focused on setting up group health insurance for small businesses through California Choice. Lincoln Investment serves individuals, nonprofit organizations, businesses, and employer-sponsored retirement plans, with a particular emphasis on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, including model portfolios and dynamic asset allocation strategies, managing approximately $22.9 billion in advisory assets as of the end of 2025.

Rubab Muzaffar is a financial advisor at Principal Financial Services with Series 65 and Series 63 credentials and five years of industry experience. She previously worked at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors and retirement plans. The firm offers direct advisory programs, financial planning, and access to third-party money manager asset allocation and separately managed accounts.