Kelly Clyde is a Certified Financial Planner® with 22 years of industry experience. He has been with Independent Financial Group, LLC since 2009 and previously worked at Morgan Stanley DW Inc. He serves as a board member for Good Boy Golf LLC and volunteers on the board of the LIFT Foundation, a local nonprofit where he helps plan and execute major annual events. 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 employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing manager due diligence, offering both passive and active investment options tailored to client risk tolerances.

Michael Hughes is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 63 designation and bringing 39 years of industry experience. He has been with J.W. Cole Advisors since 2015 and has been associated with J.W. Cole Financial, Inc. since 2013. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Peng Wang is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., TD Ameritrade, and China Merchant Bank. Wang has served in the United Army Reserve and is affiliated with Washington University in St. Louis. 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 specialized market roles, including swap dealing and futures commission merchant activities.

Heather Catsouras is a financial advisor with J.W. Cole Advisors, Inc. in San Clemente, CA. She holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining J.W. Cole Advisors, she worked at OSAIC and Securities America, Inc. Outside of her advisory role, she serves as CFO for a bookkeeping and payroll firm, William K Hall, Inc. J.W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and institutions. The firm uses a range of investment strategies and provides access to digital advice platforms and third-party managers.

Patrick Vasicovschi is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 65 designations and has 17 years of industry experience. His prior roles include positions at Hightower Securities, GWFS Equities, Cambridge Investment Research Advisors, HUB International Investment Services, Capital Group, and UBS Financial Services. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that offers financial planning, portfolio management, and retirement-plan advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to support non-discretionary and limited discretionary investment management.

Jeffrey Paskwietz is a financial advisor at PlanMember Securities Corporation in Laguna Niguel, CA, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at PlanMember since 2011 and with Team Advisors since 2014. PlanMember provides retirement-plan advisory services to employers and participants, acting as a fiduciary under ERISA Section 3(38) for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios, and offers education, support, and personalized retirement planning services to plan sponsors and participants.

Austin Lachapelle is a financial advisor at Wealth Enhancement Advisory Services, LLC with one year of industry experience. He holds a Series 66 designation and has worked at several firms including Millennial Advisers and Ten-X prior to joining Wealth Enhancement. No additional outside activities are noted. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and uses a diversified investment approach combining passive and active strategies, supported by an internal Investment Committee and a range of implementation tools and affiliated services.

Dennis Cotnoir is a financial advisor with Money Concepts Capital Corp in Mission Viejo, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Money Concepts Capital Corp since 2002 and also owns a tax returns and accounting business, which he has operated since 1976. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a mix of model portfolios, advisor-designed portfolios, and third-party sub-advisers, utilizing fundamental and technical analysis alongside modern portfolio theory to manage assets.

Michael Triana is a Series 66-licensed financial advisor with Commonwealth Financial Network, based in Mission Viejo, CA. He has 15 years of industry experience, all of which he has spent at Commonwealth since 2011. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and operational support, allowing affiliated advisors discretion in portfolio construction alongside access to proprietary model portfolios and diverse program structures.

Daniel Cucuiat serves as a Financial Consultant at Fidelity Investments, a position he has held since 2022. Prior to this role, he was an Investment Adviser Representative at Guardian Financial Partners from 2021 to 2022 and at Signature Resources Capital Management from 2007 to 2021. Throughout his career, Daniel has focused on building client relationships based on trust, discipline, and knowledge to help clients work toward their financial goals. He holds a California Insurance License, which supports his ability to provide comprehensive financial advice. Outside of his professional work, Daniel enjoys biking, scuba diving, and skiing.

Colten Franco is a financial advisor at &Partners with seven years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Wells Fargo Clearing and Fidelity Investments. Before entering finance, he was involved in the restaurant business. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and private businesses, offering investment management, financial and tax planning, and brokerage services through its dual registration as a registered investment adviser and broker-dealer. The firm employs a variety of investment strategies, combining fundamental, technical, and quantitative analysis with both proprietary and third-party portfolios.

Michelle Vizzi is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 22 years of industry experience. She worked at Merrill from 2004 to 2009 before joining Independent Financial Group in 2009. Outside of her advisory role, she is the owner of a consulting business that provides economic research and market analysis. Independent Financial Group, LLC offers investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm provides financial planning, portfolio management through various platforms, and employs a combination of passive and active investment strategies tailored to client risk profiles.

Matthew De Heras is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has been affiliated with United Planners and related entities since 2015, including roles at De Heras Wealth Management and Advantis Advisors. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and various institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering non-discretionary and discretionary portfolio management as well as both fee-based and commission-based options.

Thomas Burnor is a financial advisor with Principal Financial Services in Aliso Viejo, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been associated with Principal Securities since 2015 and with Principal Life Insurance Co. since 2004. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Ammar Mandhai is a Series 65-licensed advisor with Schwab Wealth Advisory, Inc., based in Coto De Caza, CA. He has been with Schwab Wealth Advisory since 2025 and previously worked at Charles Schwab & Co., Inc. and several other financial institutions. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on Charles Schwab’s asset-allocation models and internal research, with at‑least‑annual reviews tailored to each client’s goals and risk tolerance.

John Kincannon is a financial advisor with Sanctuary Advisors, LLC, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Sanctuary Securities, Inc. and Merrill Lynch. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports a network of over 400 independent investment adviser representatives who develop their own investment strategies within a supervised framework, offering both discretionary and non-discretionary management through various platforms and sub-advisers.

Timothy Winterbottom is a financial advisor at PlanMember Securities Corporation with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked at PlanMember since 2012. Prior to his advisory role, he was employed at Trader Joe's for three years. In addition to his advisory work, Winterbottom is engaged in insurance sales and services focused on fixed insurance products. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation process and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive, while also offering education and support services to plan sponsors and participants.

Sandipa Pardeshi is a financial advisor at Focus Partners Wealth, LLC with six years of industry experience. She holds a Series 65 designation and previously worked at Churchill Management Group for seven years. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party separate account managers, and private funds under an enhanced open architecture framework.

Janet Mendez is a financial advisor at OSAIC Institutions, Inc. with 14 years of industry experience. She holds a Series 66 designation and has worked at Infinex Investments, Inc., Mollison & Sediqi Wealth Management Group, Cuna Brokerage Services, Inc., and SchoolsFirst Federal Credit Union. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a hybrid adviser/broker-dealer model. The firm provides customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a combination of discretionary and non-discretionary account management.

Ted Ngo is a financial advisor with Eagle Strategies (NY Life) based in Newport Beach, CA, holding CFP® and Series 63 designations and bringing 25 years of industry experience. He has been affiliated with Eagle Strategies since 2009 and New York Life Insurance since 2004. Ngo also operates Ted Ngo and Associates Insurance & Financial Services, focusing on insurance product sales and brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory program types, emphasizes tailored recommendations, and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.