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.

Randy Takayama is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His work history includes roles at TKYM, Inc., FirstService Residential, and World Financial Group. Outside of advisory work, he performs internal audits in property management at FirstService Residential. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms to deliver its services.

Nicholas Lancaster is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been affiliated with Transamerica Financial Advisors and Next Level Concepts Inc since 2012, and has worked with World Financial Group, Inc. since 2008. Lancaster is also the owner of Next Level Concepts Inc, a pass-through entity. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm employs model portfolios and third-party managers across multiple platforms, managing approximately $1.7 billion in regulatory assets under management.

Alexis Reynoso is a financial advisor with Centaurus Financial, Inc. in Riverside, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. He has been with Centaurus Financial since 2017 and is also a junior partner at Empire Financial Benefits, Inc. Outside of advisory work, Reynoso is a certified tax preparer and works part-time assisting clients with medical insurance placement for Blue Shield and Kaiser. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services with a blend of fundamental and technical analyses, accommodating both discretionary and non-discretionary arrangements.

Po Ying Chen is a CFP® certificant with 10 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2018. Prior to this, Chen worked at TransGlobal Advisory LLC, Transamerica Financial Advisors, Inc., and World Financial Group, Inc. Chen is also an officer and director of BCLL Corp., which operates an insurance agency focusing on life insurance, and serves as an agent providing mortgage lending services through Exceed Lending. Independent Financial Group is a large advisory and brokerage firm offering investment advisory programs, financial planning, and retirement services to individuals, trusts, corporations, and plan sponsors. The firm combines in-house and third-party asset management models and operates as both a registered investment adviser and broker-dealer.

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.

Raymond Lee is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked in various roles related to health and Medicare insurance, college planning, and financial education since 2009. Outside of his advisory work, he is involved in college consulting and serves as an instructor at the Heartland Institute of Financial Education. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver its advisory services through a large network of advisors.

Nain Perez is a financial advisor with Valic Financial Advisors in Glendale, CA, holding a Series 66 designation and 20 years of industry experience. Prior to joining Valic in 2016, he worked at Merrill and Bank of America, N.A. He is also involved in non-securities insurance products through a role at Agia and engages in occasional buying and selling of raw land. 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 managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed models for portfolio construction and management.

Trent Huston is a financial advisor with Private Advisor Group, LLC, holding the ChFC® and Series 66 designations and bringing 17 years of industry experience. He has worked with AK Financial Group and LPL Financial prior to joining Private Advisor Group. Outside of his advisory roles, he operates OC Wealth Coach, a business focused on life, health, disability, long-term care insurance, and fixed annuities. Private Advisor Group manages over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, utilizing a range of strategies and third-party asset management programs.

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.

Joshua Belkin is a financial advisor with J.W. Cole Advisors, Inc. in Orange, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Leumi Investment Services, J.P. Morgan Securities, and Chase Investment Services Corp. Outside of advisory work, he owns a travel and wrestling merchandise business and operates a financial planning DBA called Modern Wealth Design. 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 advisers. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions, with investment decisions made on discretionary or non-discretionary bases.

Adina Coca is a financial advisor with Transamerica Financial Advisors in Orange, CA. She holds a Series 65 designation and has 13 years of industry experience. Her work history includes roles at Transamerica Financial Advisors since 2012, World Financial Group since 2011, and ownership of B & C Tax Service, a tax preparation business operating since 1995. Transamerica Financial Advisors serves a broad client base, including individual investors, retirement plans, trusts, and charitable organizations, using a model portfolio approach implemented through various advisory programs and third-party managers.

Reginald Stewart is a financial advisor with Planmember Securities Corporation, bringing 37 years of industry experience. He has worked with Syncis since 2015 and has been involved in substitute teaching since 2013. In addition to his advisory role, he is active in insurance education and sales, focusing on products such as life insurance and annuities through Syncis. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Meileh Burns is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 17 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has held managerial roles in several real estate and trading-related companies. Outside of her advisory work, she is involved in music ministry as a worship leader and background singer for the Paul McDonald Big Band and Changed Church. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm delivers services through a large network of advisors and multiple program platforms, utilizing model portfolios and third-party managers for portfolio management.

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.

Larry Mccarty is a CFP® professional with 34 years of industry experience, currently affiliated with Commonwealth Financial Network. He has been with Diversified Investment Services, Inc. and Commonwealth Financial Network since 2009. In addition to his advisory role, he is involved in Medicare product referrals through E Health. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while offering operational and compliance support to affiliated advisors.

Ernest Reyes is a financial advisor with Centaurus Financial, Inc. in Upland, CA, holding a Series 63 license and bringing 38 years of industry experience. He has worked at Centaurus Financial since 2016, with prior roles at WHJR Associates and Royal Alliance. Outside of his advisory work, Reyes is involved as a sales consultant facilitating trust setup between clients and attorneys through AmeriEstate Legal Plans. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning and portfolio management using its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements supported by a mix of fundamental and technical analysis methods.

Scott Perkins is a CFP® professional with 15 years of industry experience. He is currently affiliated with Focus Partners Wealth, LLC and has been with Churchill Management Group since 2014. Focus Partners Wealth serves a diverse range of clients, including individual, high-net-worth, family office, corporate, retirement plan, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach that combines fundamental and quantitative analysis with third-party managers, offering a variety of investment and wealth management services across multiple asset types.