Ziying Zhou is a financial advisor at Prospera Financial Services, Inc. with two years of industry experience. Zhou holds a Series 66 designation and has worked at several firms including Cerity Partners LLC, Hightower Advisors, and Northwestern Mutual Investment Services LLC. Prior to entering financial advising, Zhou held roles at universities and in the energy sector. Prospera Financial Services, Inc. is an enterprise-scale adviser and dually registered broker-dealer serving individuals, corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors across roughly 140 offices, offering investment advisory and financial planning services via multiple platforms and customizable portfolio solutions.

Dennis Shao is a financial advisor at M Holdings Securities, Inc. with one year of industry experience. He holds the Series 66 designation and has worked concurrently at Wellspring Consulting and M Holdings Securities since 2016. M Holdings Securities, Inc. serves individuals, retirement plans, charitable organizations, corporations, and other business entities through a nationwide network of independent Member Firms and Financial Professionals. The firm offers a broad range of advisory and brokerage services, including discretionary and non-discretionary investment management, retirement plan consulting, financial planning, and insurance advisory, using both internal portfolio managers and third-party sub-advisors to deliver investment solutions.

Rodney Wade is a CFP® with 32 years of industry experience, currently serving at Modern Wealth Management, LLC since 2025. He previously led Wade Financial Advisory, Inc. for 27 years, where he also provided tax preparation services for individuals and businesses. Modern Wealth Management offers investment advisory and integrated planning services to a diverse client base, utilizing a centralized portfolio management model and providing specialized services such as ERISA plan management and tax planning through affiliated entities.

Jennifer Riva Kirk is a financial advisor with The Wealth Consulting Group, holding a Series 66 designation and over 20 years of industry experience. She has worked at LPL Financial since 2017 and has been associated with Redwitz Wealth Management Group since 2004. Kirk serves as a nonprofit board member of Caritas Corporation and is involved with Sacred Heart Community Service in San Jose. The Wealth Consulting Group provides fee-based wealth management, portfolio management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, corporations, charities, trusts, and estates. The firm employs a tailored investment process combining fundamental, technical, macroeconomic, and quantitative analysis, and integrates legal-service pathways to support comprehensive client needs.

Justin Kennedy is a Series 65-licensed financial advisor at Integrity Advisory Solutions with two years of industry experience. He has been an owner and attorney at Litherland, Kennedy & Associates, APC, an estate planning and elder care law firm, since 2011. Outside of financial advising, Kennedy serves on the Silicon Valley Executive Leadership Team for the Alzheimer's Association Walk to End Alzheimer's. Integrity Advisory Solutions serves individuals, trusts, estates, corporations, and other business clients through a network of approximately 100 independent advisors, managing around $1.1 billion in assets. The firm offers portfolio management, financial planning, retirement plan consulting, and sub-advisory services, employing a range of asset allocation strategies and third-party platforms.

Craig Martin is a CFP®, ChFC®, and holds the Series 65 license, with 24 years of industry experience. He currently serves at FourStar Wealth Advisors, LLC and has been involved with Family Wealth Consultants, Inc. for over two decades, where he is an owner and portfolio manager. FourStar Wealth Advisors serves individuals, retirement and profit-sharing plans, trusts, estates, charitable organizations, and business entities, offering financial planning, discretionary portfolio management, and retirement-plan consulting. The firm combines fundamental and technical analysis to tailor portfolios primarily managed on a discretionary basis, incorporating a range of investment vehicles including mutual funds, ETFs, individual securities, and third-party managers.

Ethan Donahue is a financial advisor with Integrity Advisory Solutions in San Jose, CA, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Edward Jones and various non-financial firms. In addition to his advisory role, he provides investment advice to clients of Litherland, Kennedy & Associates, an estate attorney office affiliated with his firm. Integrity Advisory Solutions serves individuals, trusts, estates, and businesses through a network of approximately 100 independent advisors, managing around $1.1 billion in client assets. The firm offers portfolio management, financial planning, retirement consulting, and sub-advisory services, employing a variety of asset-allocation strategies and third-party platforms.

Raymond Ortiz is a financial advisor with MissionSquare Retirement in San Jose, CA, holding Series 63 and Series 65 credentials and possessing 13 years of industry experience. He has worked at ICMA Retirement Corporation since 2012. MissionSquare Retirement serves state and local government employers, their employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans, providing plan administration, recordkeeping, education, and Guided Pathways Advisory Services. The firm’s investment advice and model portfolios are developed by Morningstar Investment Management and offered through a multi-team advisory structure supporting more than 40,000 participants.

Curtis Davis is a financial advisor with PFG Advisors in Campbell, CA, holding the CFP® and ChFC® designations and over 38 years of industry experience. His career includes roles at LPL Financial, Securities America, Inc., OSAIC, and United Planners. He is also the founder and president of Davis Financial Management Inc. PFG Advisors provides fee-based investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, retirement plans, and corporate clients. The firm employs a combination of top-down macroeconomic allocation and fundamental/technical analysis, primarily using index-based ETFs with periodic rebalancing, and supports both discretionary and non-discretionary account management.

Scott Manley is a financial advisor with Mutual Advisors, LLC, holding a Series 66 license and 25 years of industry experience. His career includes roles at Mutual Advisors, Mutual Securities, Elaine Manley, Inc., and Waddell & Reed, Inc. In addition to advising, he is involved in authoring and selling financial books through Financial Journey Partners, Inc. Mutual Advisors, LLC is an SEC-registered firm managing approximately $6.75 billion through 123 advisors, serving individuals, institutions, trusts, and retirement plans. The firm offers asset management, financial consulting, and ERISA plan advisory services, employing both passive and active investment strategies tailored to client objectives.

Joseph Ellis is a CFP® with 16 years of industry experience, currently serving at Diversify Advisory Services, LLC since 2023. He also has over a decade of involvement with DFPG Investments, LLC. Outside of his advisory roles, Ellis is engaged in tax preparation and representation as an enrolled agent, provides notary services, and is involved in public speaking on injury and medical topics, including authoring a book on running injuries. He also serves as a fractional CFO for a stem cell dermatological startup. Diversify Advisory Services, LLC provides investment advisory and financial planning to a diverse client base, including individuals, corporations, pension plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification investment approach, utilizing a variety of platforms and instruments such as ETFs, mutual funds, alternatives, and options-based strategies.

Hsien Lin is a financial advisor at Kovack Advisors, Inc. with 27 years of industry experience. He previously worked at Western International Securities, Inc. and UBS Financial Services. Lin holds the Series 66 designation and is based in Cupertino, California. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving individuals, corporations, pension and profit-sharing plans, and banking or thrift institutions nationwide. The firm offers diversified asset management primarily through mutual funds and ETFs, third-party manager recommendations, and financial planning services.

Joseph Langlois III is a CFP® professional with 24 years of industry experience. He is currently with Diversify Advisory Services, LLC and has worked at DFPG Investments, Inc. since 2015. Outside of advisory work, he serves as an insurance broker and holds leadership roles in several professional service and investment-related LLCs. Diversify Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, medical professionals, and small business owners. The firm employs a tactical diversification approach utilizing a variety of investment models and strategies across multiple platforms.

Nicolas Tabellion is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2013. Prior to his current role, he spent ten years at Strategic Wealth Advisors Group, LLC and currently provides investment advisory services through WCG Wealth Advisors, LLC, an independent registered investment advisor. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors and institutions, supported by an in-house research team that develops model portfolios and a broad platform accommodating various investment strategies and client needs.

Kazuyo Deguchi is a financial advisor at Kovack Advisors, Inc. with 24 years of industry experience. She holds the CFP®, CFA®, and Series 66 designations. Her prior experience includes roles at Western International Securities, Inc. and LPL Financial. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving individuals, corporations, pension and profit-sharing plans, and banking institutions nationwide. The firm provides diversified asset management primarily through mutual funds and ETFs, along with financial planning and third-party manager recommendations.

Daniel Diaz is a financial advisor at Arete Wealth Advisors, LLC with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors, The Ayco Company, L.P./Mercer Allied, and JP Morgan Chase. Outside of his advisory role, he serves as a volunteer advisory board member at his son's grade school, acts as volunteer treasurer and board member for the Warm Springs Cabana Club, and participates in volunteer roles with Creighton University's Heider College of Business and Evergreen Community College. Arete Wealth Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm manages assets primarily on a discretionary basis using a combination of advisor-driven and proprietary model allocations, third-party sub-advisers, and maintains a due-diligence process for recommended managers and private investments.

Elaine Manley is a CFP® professional with 39 years of industry experience, currently serving at Mutual Advisors, LLC and Mutual Securities, Inc. since 2018. Her prior experience includes over 30 years at Waddell & Reed, Inc. and running her own firm, Elaine Manley, Inc., for 20 years. She serves on the board of the League of Women Voters Cupertino-Sunnyvale and is involved in authoring financial books through Financial Journey Partners, Inc. Mutual Advisors, LLC is an SEC-registered firm managing approximately $6.75 billion across 123 advisors and serving individuals, institutional investors, trusts, and retirement plans. The firm offers asset management, financial consulting, ERISA plan advisory, and sub-advisory services, employing both passive and active investment strategies tailored to client objectives.

Lan Tran is a financial advisor at The Wealth Consulting Group with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with LPL Financial since 1998. Tran has been with The Wealth Consulting Group since 2016. The Wealth Consulting Group provides fee-based wealth management, portfolio management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, corporate and plan sponsors, charities, trusts, and estates. The firm employs a tailored investment process combining fundamental, technical, macroeconomic, and quantitative analysis and integrates legal-service pathways through referrals and ownership structures.

Richard Hillsbery is a CFP® and PFS™ with 20 years of industry experience. He is affiliated with ValMark Advisers, Inc. and has worked there since 2012. Prior to and alongside this role, he has been involved with SD Mayer & Associates, LLP, and Valmark Securities, Inc. Hillsbery is also co-owner of Hillsbery Financial and Tax, a bookkeeping and tax accounting business. ValMark Advisers, Inc. provides investment management, financial planning, and retirement plan advisory services to individuals, including high-net-worth clients, plan sponsors, and institutional users through a network of around 280 investment advisory representatives. The firm offers diversified, goal-based model portfolios primarily using mutual funds, ETFs, and third-party managers, with a focus on multi-asset allocation and ongoing portfolio monitoring.

Terrence Asuncion is a financial advisor at Coppell Advisory Solutions LLC with four years of industry experience. He has held roles at Coppell Advisory Solutions DBA Fusion Capital Management since 2022 and serves as a Senior Planning Manager at Solaria. Outside of his advisory work, he is involved in senior planning management at Solaria, a non-investment related role. Coppell Advisory Solutions LLC serves individuals, pension and profit-sharing plans, trusts, estates, and corporate clients with discretionary portfolio management and financial planning services. The firm uses a tailored investment approach combining internal and independent asset allocation models, fundamental and technical analysis, and ongoing portfolio supervision aligned with client objectives.