Patricia Kappen is a financial advisor with Centaurus Financial, Inc. in Westlake Village, CA, holding Series 63 and Series 65 designations and with 27 years of industry experience. She has worked at Centaurus Financial since 2018 and has concurrent roles at Western International Securities, Financial West Group, and San Juan Financial, Ltd. Outside of advisory work, she owns San Juan Financial, an accounting and tax preparation service that also represents clients before the IRS and other government agencies. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations, offering financial planning, portfolio management, retirement-plan consulting, and specialized advisory services. The firm employs a range of investment approaches and provides both discretionary and non-discretionary arrangements, with a notable use of third-party overlay managers and access to certain non-traded alternative investments.

Jacqueline Roman is a financial advisor with Transamerica Financial Advisors holding Series 65 and Series 63 licenses and has six years of industry experience. Her career includes roles at Brown & Brown Insurance Services Inc. and multiple entrepreneurial and referral partner positions, including ownership of Jacqueline Roman and involvement with Inheritguard, LLC, and Student Optimum Services. She also volunteers with Horizon Baptist Church. Transamerica Financial Advisors serves a diverse client base, offering advisory and broker-dealer services through proprietary and third-party model portfolios, with both discretionary and non-discretionary management options.

Raul Palma is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at Charles Schwab & Co. Inc. for over a decade. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach focuses on globally diversified, risk-appropriate portfolios using multi-factor tilts and low-cost index vehicles, along with a range of implementation options and coordinated financial planning services.

Richard Norkin is a financial advisor at Kestra Advisory with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including SagePoint Financial and Western International Securities. Outside of advisory services, he operates a sole proprietorship focused on insurance sales and service. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, compliance testing, and employee education. The firm serves a range of clients including large institutional investors and offers multiple management platforms supported by due diligence processes.

Stephanie Storey is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 12 years of industry experience. She has held various roles including real estate agent with Pinnacle Estate Property Inc. and notary public for over 25 years. Storey has also been involved with the Proctor Gallagher Institute and operates a sole proprietorship for tax purposes. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a broad client base including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes a network of advisors and multiple program platforms, relying primarily on model portfolios and third-party managers for portfolio management.

Max Campos is a financial advisor at Creative Planning with nine years of industry experience. He previously worked at SageView Advisory Group and Summit Financial Consultants. 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 that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Ali Salazar is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and A C Stern Business Consulting. He is based in Thousand Oaks, CA. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including acting as a swap dealer and futures commission merchant.

Victoria Arndt is a ChFC®-designated advisor with 22 years of industry experience, currently with Mercer Global Advisors Inc. in Thousand Oaks, CA. She previously worked for Eagleson Arndt Financial Advisors for 26 years. She is also licensed as a life, health, and accident insurance broker with various insurance companies. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with a range of investment advisory and financial planning services. Their investment approach is based on Modern Portfolio Theory, utilizing diversified portfolios with low-cost ETFs, index funds, and alternative investment options alongside educational content and integrated service lines.

Ryan Cartaino is a financial advisor with Transamerica Financial Advisors based in Thousand Oaks, CA. He holds Series 65 and Series 63 licenses and has one year of industry experience. Prior to joining Transamerica, he worked at Wfgia, NK Developments, and Culver Place LLC. Outside of advising, he has been involved with DOORDASH and held roles as a student over multiple periods. 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 a mix of advisory and broker-dealer services, proprietary and third-party model portfolios, and provides both discretionary and non-discretionary investment management options.

Danielle Sanchez is a financial advisor with First Command Advisory Services in Ventura, CA, holding a Series 66 designation and six years of industry experience. Her prior work history includes positions at Bank of America and a brief role at Mitchell Katz Winery. First Command Advisory Services is an SEC-registered investment adviser that serves 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, using a centralized investment management team to select and monitor portfolios and third-party managers.

Colin Kilpatrick is a CFP® with 16 years of industry experience and has been with Centaurus Financial, Inc. since 2016. He holds a Series 66 license and operates in Camarillo, CA. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm uses a mix of fundamental and technical analysis and offers both discretionary and non-discretionary portfolio management, including specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Craig Skeels is a financial advisor at Commonwealth Financial Network with over 45 years of industry experience. He holds the CFP® and ChFC® designations. Prior to joining Commonwealth, he worked at Kestra Advisory Services LLC, Kestra Investment Services LLC, United Capital Financial Advisers, LLC, and Girard Securities, Inc. He is also a partner, CEO, and co-owner of Skeels & Fox Wealth Management, LLC, and owns Skeels and Wheels, LLC, which provides securities, advisory, insurance services, and car enthusiast activities. 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 managed-account programs, access to third-party asset managers, retirement consulting, and custody services, with portfolios implemented using in-house or outsourced model options.

Jay Brewer is a financial advisor with Stratos Wealth Partners, Ltd, based in Westlake Village, CA, with 4 years of industry experience. He has worked at Shuster Advisory Group, LLC, Eq Financial Consultants, Inc., The Equitable Life Assurance Society of the United States, and Brewer & Tominaga CPAS LLP. Stratos Wealth Partners provides advisory services to a broad client base, including individual investors, trusts, charitable organizations, corporations, retirement plans, and institutional clients. The firm offers an open-architecture Strategic Wealth Management platform that supports advisor-managed and model-based portfolios with active monitoring and asset allocation across multiple custodians.

Nicholas Goodwin is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Private Advisor Group, LLC. His prior roles include positions at Mariner Independent Advisor Network, LLC and LPL Financial, LLC. Goodwin is also involved with Watermark Insurance Services as an insurance agent. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations by offering portfolio management, financial planning, and retirement-plan consulting through a network of investment adviser representatives. The firm provides access to multiple advisory programs, third-party asset managers, turnkey asset management platforms, and firm-managed model portfolios supported by strategic partners such as Fidelity and BlackRock.

Neil Elmouchi is a financial advisor with Creative Planning, holding the ChFC® designation and Series 63 and 65 licenses, and has 44 years of industry experience. He previously worked at Summit Financial Consultants, Cetera Wealth Services, and Triad Advisors. Outside of his advisory role, he is the author of *The Wise Investor* and owns an online video game development company called Nogo Studios. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional accounts. The firm uses a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by tax-loss harvesting, direct indexing, and selective private market exposure.

Cheryl Kelly is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and concurrently serves as a commercial airline captain for United Airlines since 1989. Outside of her advisory role, she manages a rental property business. 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 implement its advisory strategies and offers multiple program platforms such as Transamerica ONE, TFA365, and Transamerica ALPHA.

Adam Hanig is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Wealth Enhancement, his background includes roles at Beverly & Company and the US Postal Service. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network, offering diversified, risk-class based investment strategies that combine passive and active management overseen by an internal Investment Committee.

Cody Nigh is a CFP® with eight years of industry experience, currently affiliated with Commonwealth Financial Network. His career includes previous roles at Powell Financial Group, CCG Wealth Management LLC, and Lincoln Financial Advisors. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides adviser-support platforms including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

James Franco is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 licenses. He has 41 years of industry experience, including roles at LPL Financial and his own firms Franco Financial Services Inc. and James Franco Independent Insurance. He also provides tax preparation services through Franco Financial Services Inc. and serves as successor trustee for a charitable remainder unitrust. United Planners Financial Services is a national wealth-management enterprise serving a broad range of clients through approximately 359 advisors and managing about $12.77 billion in assets. The firm utilizes a combination of custodians, third-party managers, and platform programs to deliver advisory and brokerage services, with a significant portion of assets managed on a non-discretionary basis.

Marc Giamo is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Citigroup since 2018, following six years at J.P. Morgan Securities. 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 with both discretionary and non-discretionary options, supported by in-house research and specialized market roles.