Alexandra Sonnenberg is a CFP® professional with six years of industry experience, currently serving at Commonwealth Financial Network since 2024. Her prior experience includes roles at Cambridge Investment Research Advisors, Inc. and Foresters Financial Services. She is also involved in fixed insurance sales in San Diego. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors, offering a broad range of managed-account programs, third-party asset manager access, and custody services.

Kurt Eakin is a CFP® with 26 years of industry experience, currently serving as an advisor at Kestra Advisory. He previously spent 13 years at Commonwealth Financial Network. Outside of his advisory work, he is the owner and president of Coastal Life Ventures Inc., a firm involved in investment management and financial planning. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a broad mix of institutional and individual clients, offering fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions. The firm manages approximately $79.8 billion in assets and serves a diverse client base, including large institutional investors such as sovereign wealth funds.

Jenny Cao is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 credentials and has a background that includes roles at Pavilion Surgery Center and ongoing work with F3 Insurance Services LLC. Outside of financial advising, she is a registered nurse at St. Joseph Hospital, where she has worked since 2001. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party managers, with program options that can be discretionary or non-discretionary.

Stephanni Sharp is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Commonwealth since 2021, following five years at Independent Financial Group. Prior to joining Commonwealth, she spent one year at LPL Financial. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Gabriel Adams is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked at several firms including Creative Planning, LLC since 2021, as well as Reilly Financial Advisors, WCG Wealth Advisors, Beta Wealth Group, Epstein and White Financial, and LPL Financial. He is based in San Diego, CA. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach focused on low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in assets across more than 1,100 advisors.

Nicole Ross is a CFP® professional with 19 years of industry experience. She has been with Valic Financial Advisors since 2008 and has held a position at Agia since 2022. At Agia, she is involved with non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm manages discretionary unified managed accounts via Envestnet’s platform and provides tax-aware and impact/ESG overlay services.

Lincoln Muriithi is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln and Associates Capital LLC and Kozminski University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios and third-party managers selected by a centralized Investment Management Team.

Michael Dinh is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses and three years of industry experience. He has held positions at Primoris Renewable Energy and F3 Insurance LLC, and has been associated with World Financial Group, Inc. since 2010. Outside of advisory work, he is employed as a toolroom manager at Primoris Renewable Energy. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Christie Caliva is a financial advisor with Kestra Advisory Services LLC, holding a Series 66 designation and bringing 17 years of industry experience. She previously spent 10 years at Commonwealth Financial Network before joining Kestra in 2025. Caliva also owns an administrative entity, Christie Caliva Inc., which she maintains for corporate filings. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, and investment advice, managing approximately $79.8 billion in assets and serving large institutional clients including sovereign wealth funds.

Gina Cohen is a CFP® with eight years of industry experience, currently serving as a financial advisor at Creative Planning. Her prior roles include positions at Bernstein Private Wealth Management and Woodbury Financial Services, among others. Outside of her advisory work, she is the founder of Dogue by Gina LLC, a small business creating custom pet portraits, and she teaches preparation courses for CFP exam candidates through CeriFi LLC. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a large advisory team and extensive investment infrastructure.

Robert Ducey is a CFP® and holds a Series 65 license with six years of industry experience. He currently works at Creative Planning, where he has been since 2022. His prior experience includes roles at WipFli Financial Advisors, IWP Wealth Management, and Colorado Financial Management. Creative Planning offers wealth management, financial planning, and retirement-plan advisory services to a wide range of clients, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach, utilizing low-cost indexing, buy-and-hold strategies, and selective private market exposure while providing institutional and retirement plan services.

Andrew Ferrette is a CFP® and holds a Series 63 license with 12 years of industry experience. He currently works at Creative Planning, where he has been since 2021. His prior roles include positions at Reilly Financial Advisors and Calton & Associates. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals—including high-net-worth and ultra-affluent clients—as well as pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Fermin Mesina is a financial advisor at OSAIC Institutions, Inc. with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Infinex Investments, J.P. Morgan Securities, and Wells Fargo Investments. In addition to his advisory role, he serves as a senior consultant at USMX Financial Group, providing property and casualty insurance and estate planning coordination. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments while operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary account management.

Paul Gugger is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Securities America, and Arbor Point Advisors. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and uses a variety of custodians and third-party managers, with a large portion of assets managed on a non-discretionary basis.

Jacob Apodaca is a financial advisor at Creative Planning with a Series 65 designation and two years of industry experience. His prior work includes roles at Robert Half and Poly English Language Center, among others. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by selective private market exposure and customized portfolio management.

Zhi Ren Liang is a Series 66-registered financial advisor with VALIC Financial Advisors in San Diego, CA. He has experience at Corebridge Financial and AIG Retirement Services, among other roles in both the private and public sectors. Liang has also worked with Elder Delivers, LLC, indicating involvement in entrepreneurial activities outside of financial advising. VALIC Financial Advisors, Inc. 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 and leverages centralized technology and model solutions to manage approximately $29.2 billion in assets.

Connor Boone is a financial advisor at Mariner with a Series 65 credential and one year of industry experience. Prior to joining Mariner, he spent eight years in full-time education. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and integrated tax and administrative services, utilizing customized discretionary portfolios supported by in-house research and third-party managers.

Varinia Peridon is a financial advisor at Primerica Advisors with two years of industry experience. She holds Series 63 and Series 65 licenses and has been with Primerica Financial Services since 2021. In addition to her advisory role, she is affiliated with Point Loma Nazarene University. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, with operational oversight to manage potential conflicts of interest.

David Harlow is a Series 66 licensed financial advisor with 15 years of industry experience, currently working at Cetera Investment Services LLC since 2025. His prior roles include positions at CUSO Financial Services, LP and SSN Advisory, Inc. Outside of his advising career, he has been involved with Smoky Mountain Guides. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services through various program structures.

Holden Enniss is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley and Hillstone, along with earlier experience at Enniss Inc. and other firms. He also has a background involving Francis Parker School and Columbia University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.