Edwin Van Es is a financial advisor with Citigroup Global Markets in Carlsbad, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and execution services. The firm implements multi-asset, multi-manager strategies using robust internal standards and oversight, combining large institutional scale with specialized market roles and arrangements.

John Paladino is a financial advisor with Integrated Wealth Concepts LLC, holding a Series 66 credential and bringing 25 years of industry experience. He serves as Executive Director and Managing Partner of Sterling Global Strategies/Sterling Wealth Management and is also owner of TerraGear Products, a company specializing in bike travel bags and gear. Integrated Wealth Concepts LLC supports individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and consulting services, employing a primarily long-term investment approach with customized portfolio construction and oversight of third-party managers.

Robert Chapman is a financial advisor with Independent Financial Group, LLC, holding a Series 63 designation and with 31 years of industry experience. He has worked at Independent Financial Group since 2011 and has operated as Robert T. Chapman Financial Consultant since 2004. Outside of his advisory work, he owns a marketing DBA called Pacific Crest Global Wealth Management and is also a licensed California insurance agent offering various insurance products. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services, employing both in-house and third-party model portfolios, and operates as both a registered investment adviser and an active broker-dealer.

Victoria Plum is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Independent Financial Group since 2015. Victoria also operates a business entity, Victoria Plum, LLC, for tax and investment purposes. Independent Financial Group is a large integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services, using a combination of in-house and third-party manager models tailored to client risk profiles, and operates both as a registered investment adviser and an active broker-dealer.

Cari Leamy is a financial advisor at NewEdge Advisors with five years of industry experience. She holds the Series 65 and Series 66 credentials and has worked at several firms, including Brighton Jones and Refresh Investments, before joining NewEdge Advisors in 2025. NewEdge Advisors is a large registered investment adviser serving individuals, pension plans, corporations, and other entities through a network of independent advisers. The firm offers a wide range of portfolio management, financial planning, and consulting services, combining in-house manager selection with third-party strategies and leveraging technology such as algorithmic model portfolios and held-away account platforms.

Megan Nielsen is a financial advisor at Integrated Wealth Concepts LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Integrated Wealth Concepts in 2026, she worked at Wealthspire Retirement Advisory, NFP Retirement, Inc., and Mutual of America in various roles from 2011 through 2026. Outside of her advisory work, Nielsen is a licensed real estate broker and serves as president of Fort Stockton Investments, Inc., which manages income generated from mining rights and interests. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a customized, long-term investment approach with a variety of mutual funds, ETFs, equities, and fixed income.

Alex Esposito is a financial advisor at Integrated Wealth Concepts LLC with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at OneDigital Investment Advisors LLC, Triad Advisors, Independent Capital Management, and Sagepoint Financial. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with mutual funds, ETFs, individual equities, and fixed income using primarily a long-term approach.

Kent Colwell is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 38 years of industry experience. He has worked at Transamerica Investors Securities Corporation and Transamerica Life Insurance Company since 2019, with prior roles at Intelligence Driven Advisers, LLC, Labrum Wealth Management, LLC, and RSM US Wealth Management LLC. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs, combining proprietary portfolio models and third-party expert input to provide tailored asset allocation and retirement guidance. The firm operates at scale with a large client base and focuses primarily on non-discretionary advice rather than standalone financial planning.

Arnold Adkins is a financial advisor with Empower Advisory Group in Oceanside, CA, holding Series 66, Series 65, and Series 63 licenses and nine years of industry experience. His prior work includes roles at Advised Assets Group, GWFS Equities, Park Avenue Securities, Guardian Life Insurance Company of America, and Mass Mutual. Outside of finance, he is a co-owner of Viscape Arts, an independent film production company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through integrated recordkeeping and administrative platforms with an emphasis on long-term portfolio returns and annual rebalancing.

Stephen Locko is a financial advisor with GWN Securities Inc. in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with GWN Securities since 2009 and is also involved with ISN Network and Resource Marketing Associates. Outside of his advisory role, Locko owns and operates Beachfront Tax LLC, a tax preparation facilitation business. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a large network of advisors. The firm offers discretionary managed accounts and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including legacy market-timing and momentum-based approaches.

Aaron Chamberlin is a financial advisor at Oppenheimer with 31 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Stifel Nicolaus & Co. Inc for 12 years before joining Oppenheimer in 2021. Chamberlin serves as trustee of the John Arnold Family Trust, a role he has held since 1998. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and retirement planning. The firm employs strategic and tactical asset allocation and manager selection, with a notable role as a qualified custodian and a range of discretionary and non-discretionary investment programs.

Keith Trezek is a financial advisor at Independent Financial Group, LLC with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Woodbury Financial Services Inc and Crown Capital Securities, L.P. He also holds an independent contractor role in insurance outside of his work at Independent Financial Group. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of investment adviser representatives and provides access to various advisory programs via its AccessPoint platform and third-party asset managers.

Luke Dubois is a financial advisor at Integrated Wealth Concepts LLC with a Series 65 credential and approximately one year of industry experience. Prior to joining Integrated Wealth Concepts, he worked at Deloitte & Touche LLP for three years and has held positions at RetirementDNA and in academia. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios with a long-term approach supplemented by shorter-term trades and oversight of third-party managers.

Jacqueline Jackman Cunningham is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. She has worked with Ameritas Advisory Services since 2021 and has been associated with Ameritas Life Insurance Corp, Hawkeye Brokerage Center, and Ameritas Investment Corp since 2000. She is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary advice, utilizing model portfolios, third-party sub-advisers, and custom strategies, with a significant focus on plan sponsors and participants.

Matthew Cairo is a CFP® professional currently affiliated with J. W. Cole Advisors, Inc. He has two years of industry experience, including prior roles at Bifrost Financial Planners and Blankinship & Foster, LLC Fiduciary Financial Advisors. In addition to his advisory work, he manages a financial planning DBA, O'Carroll Financial Planning, and serves as a successor trustee and power of attorney for multiple family members. J. W. Cole Advisors operates a large network of independent advisors and offers fee-based portfolio management, financial planning, retirement plan services, and access to multiple investment platforms for individuals, high-net-worth clients, and institutional accounts. The firm uses a range of discretionary and non-discretionary strategies incorporating fundamental and technical analysis.

Michael Affleck is a financial advisor with Principal Financial Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been associated with multiple entities including 6Pillars Financial Services, Principal Life Insurance Company, Principal Securities Inc., and owns MHA Holdings, LLC dba Tetra Group, Ltd., a business involved in group and property insurance. He also works as a broker in group benefits and as an agent in fixed insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm’s advisory services include financial planning, retirement plan consulting, and third-party money manager programs offered under various advisory and promoter arrangements.

Trevor Isaacs is a financial advisor with Eagle Strategies (NY Life) based in Rancho Santa Fe, CA, holding the CFP® and ChFC® designations with 11 years of industry experience. He has worked with Eagle Strategies since 2017 and has affiliations with New York Life Insurance Company and NYlife Securities LLC dating back to 2014. Isaacs operates IZX Financial and Insurance Solutions and owns Isaacs Financial Group LLC, which handles insurance brokering and related business activities. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, and charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions and mostly managing assets on a non-discretionary basis within the New York Life affiliate structure.

Hector Monroy III is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at Westmount Asset Management and Standish Management. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary asset management, financial planning, and consulting services.

David Baldwin is a CFP® with 20 years of experience in financial advising, currently with Commonwealth Financial Network. His prior roles include positions at Talents Financial Planning and Wealth Management, LS Investment Management, TCFG Wealth Management, and Edward Jones. Baldwin is also the author of the book *The Balancing Act, Rewriting Your Financial Script*. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, supporting various investment strategies and portfolio implementation.

Mark Bobin is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Independent Financial Group since 2010. Outside of his advisory role, he also provides public notary services and works as a California-licensed insurance agent. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement services, utilizing multiple advisory platforms and third-party asset managers to implement client investment strategies.