Heather Bitner is a financial advisor with Navy Federal Investment Services, LLC, holding Series 66 and Series 63 licenses and seven years of industry experience. She has worked within various entities of the Navy Federal organization since 2014. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes managed advisory programs that incorporate third-party portfolio managers and supports layered investment solutions, including automated ETF portfolios and unified managed accounts.

Luka Pavlina is a CFP®-certified financial advisor with 19 years of industry experience, currently affiliated with OSAIC and NWF Advisory Services Inc. He has worked at OSAIC since 2012 and at NWF Advisory since 2016. Outside of his advisory roles, he is a small owner of Amador Brewing Company. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base including individuals, pension plans, corporations, and nonprofits. The firm offers comprehensive advisory and brokerage services supported by advanced portfolio management tools and access to multiple custodial platforms.

Susan Tackett is a financial advisor at Concorde Asset Management, LLC with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including SCF Investment Advisors, Inc. and H. Beck, Inc. Outside of her advisory role, she serves on the boards of Kings Art Center and CASA of Kings County, a nonprofit supporting children involved in the court system, and is active in the Rotary Club of Hanford. Concorde Asset Management serves individual, high-net-worth, corporate, and retirement-plan clients by providing discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset managers. The firm builds customized portfolios using model-based strategies and serves as an overlay manager, with operational support from multiple technology providers and a focus on ERISA retirement-plan advisory services.

Rebecca Jones is a Series 66-credentialed financial advisor at First Command Advisory Services with six years of industry experience. She has been with First Command since 2020, following roles at Bath and Body Works and veterinary clinics. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning services and various wrap-fee asset management programs that include model portfolios composed of mutual funds, ETFs, and third-party managed accounts.

Seng Saechao is a financial advisor with Focus Advisor Solutions, LLC, holding a Series 66 designation and 19 years of industry experience. His prior work includes roles at Buckingham Strategic Partners, LLC, Foreside Financial Services, LLC, and several other firms between 2014 and 2018. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients. The firm offers systematically invested mutual fund and ETF model portfolios, discretionary fixed-income management, and retirement plan fiduciary services, combining enterprise scale with a relatively small advisor base.

Jerry Hallberg is a financial advisor at Citigroup Global Markets with 43 years of industry experience. He holds Series 63 and Series 65 designations and has been with the firm since 2016. Outside of his advisory work, he is a joint owner of a rental property in Tulare, California. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm utilizes multi-asset, multi-manager strategies and maintains large institutional scale with unique market roles, including in-house research and derivatives services.

Arthur Eggman is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and with 27 years of industry experience. His prior roles include positions at Transamerica Financial Advisors, Inc., Investment Advisors International, Inc., and other financial services firms. He is involved with All Into Life, a platform focused on debt elimination using whole life insurance products, and provides referral services for independent legal services related to wills and trusts. Independent Financial Group, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and institutional plans. The firm emphasizes personalized client strategies using both firm- and third-party models, combining active and passive investment approaches within a multi-manager framework.

Donald Kaplan is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and bringing 28 years of industry experience. He has been with Commonwealth since 2014 and has maintained a concurrent career as a self-employed CPA since 1991. Outside of his advisory role, Kaplan serves as secretary, treasurer, and co-owner of a family citrus farm through Mirizzi Farms Inc. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors, offering a variety of advisory programs and services including custom portfolio solutions, third-party asset manager access, and retirement plan consulting. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to its affiliated advisors.

Federico Avendano is a CFP® professional with 10 years of industry experience, currently with Mercer Global Advisors Inc. He has held various roles at Mercer since 2020 and previously worked at Mutual Securities, Inc., Argosy Wealth Management, and Cetera Advisor Networks. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, business owners, corporate plan sponsors, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios with multi-factor tilts and employs a range of implementation options including ETFs, mutual funds, and separate accounts.

David Vartanian is a financial advisor with Principal Financial Services, holding a Series 66 designation and five years of industry experience. He has worked at Central Valley Strategic Wealth Management and Principal Securities, and his background includes roles with multiple Major League Baseball teams and local school districts. He serves as a board member and investment committee volunteer for the COS Foundation, which supports fundraising and investment oversight for a local college. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money managers through various advisory and promoter arrangements.

Sharon Jansma is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her career includes roles at Jansma Financial and Insurance Services, Principal Securities Inc., Principal Life Insurance Company, and Farmers Insurance Group. She is also co-owner of Jansma Enterprises, Inc., a business involved in managing real estate in Visalia, CA. Commonwealth Financial Network supports a national network of approximately 2,950 advisors, providing a range of advisory programs and services, including wealth management and retirement plan consulting. The firm offers a comprehensive platform with operations, trading, technology, investment management, and compliance support, enabling advisors to deliver tailored investment solutions.

Jeremy Commeret is a Series 66-registered financial advisor with Integrated Wealth Concepts LLC, based in Visalia, California, with 23 years of industry experience. He has worked at several firms including LPL Financial and Independent Financial Partners. Beyond his advisory role, he is involved in coaching youth soccer with the South Valley United Soccer Club. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and retirement plan advisory, employing customized portfolios with a long-term approach alongside strategic shorter-term trades.

Roxanna Holguin is a financial advisor at Empower Advisory Group with one year of industry experience. She holds Series 66 and Series 63 licenses and has previously worked with World Financial Group and Cigna HealthCare. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm employs an integrated service model aligned with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Kevin Wright is a financial advisor with Principal Financial Services in Visalia, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked at Principal Life Insurance and its related entities for over a decade and owns Kevin Wright Insurance with 37 years of experience. Outside of his advisory role, he serves as a licensed marriage minister with American Marriage Ministries and as the 1st trustee on the board of AMVETS, supporting veterans’ activities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through distinct adviser and promoter arrangements.

Juelmarie Morgan is a financial advisor at OSAIC with 37 years of industry experience. She holds a Series 66 designation and has previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and H. Beck, Inc. Outside of her advisory role, she is involved in insurance sales. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of services such as brokerage and investment advisory, financial planning, retirement plan consulting, unified managed accounts, and access to third-party money managers.

Aubry Nakata is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2007. Based in Visalia, CA, Nakata has spent over six years in his current role at Ameriprise. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm provides comprehensive, research-driven recommendation reports that incorporate tax-smart strategies, Social Security options, and adaptive withdrawal planning, supported by algorithmic tools and a centralized consulting team.

Rachel Gomez is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 31 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is an independent beauty consultant with Mary Kay. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Shawn Sebert is a financial advisor with Ameriprise in Visalia, CA, holding a Series 63 designation and over 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with a centralized consulting team to deliver tailored, non-discretionary retirement income advice.

Shani Crookshanks serves as an Associate Resident Director at Merrill, where she assists clients in creating comprehensive, goals-based financial plans tailored to their individual needs, risk tolerances, and time horizons. She focuses on helping clients align their strategies with evolving circumstances to provide confidence and freedom in managing their wealth. With a background spanning 23 years in the produce industry, Shani applies her experience in goal setting, strategy, information sourcing, and consistent execution to her financial advisory role. Her six years of childhood living in South America have contributed to her appreciation of diverse perspectives and an adventurous spirit. Shani holds a Bachelor's Degree from Arizona State University and a Master of Business Administration (MBA) from the Thunderbird School of Global Management. She has earned the Personal Investment Advisor (PIA) designation and is fluent in both Spanish and English. Her professional affiliations include active participation and an officer role in the Tulare County Historical Society, as well as membership in the Tulare Kings County Estate Planning Council. Outside of her professional pursuits, Shani enjoys cooking, gardening, genealogy, golfing, knitting and crocheting, scrapbooking, spending time with family, traveling, and practicing yoga. Her philosophy emphasizes connecting all aspects of clients' financial lives to prioritize and pursue their most important goals.

Jack Hohne is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has worked previously at OSAIC Wealth, Inc. and Acord and Fong Wealth Strategies. He also has a background that includes roles in education and small business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.