Nicholas Maffeo is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

Benjamin Harris is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Merrill and Xavier College Preparatory. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Janet Clements is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. She is a silent partner in a family investment LLC focused on real estate. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and offers a broad spectrum of retail and institutional investment options.

Sonja Premetz is a financial advisor with Stifel in Newport Beach, CA, holding Series 63 and Series 65 credentials and 29 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, where she spent a total of 15 years before joining Stifel in 2024. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning.

Richard Balance is a financial advisor at Innovative Wealth Partners, LLC with 12 years of industry experience. He holds a Series 65 designation and has been with the firm since 2008. Balance is also a licensed life insurance agent. Innovative Wealth Partners is an independent, solicitor-only adviser that refers individual and high-net-worth clients to third-party investment managers. The firm does not provide direct portfolio management or custody and is compensated through negotiated fee-sharing agreements with the selected managers.

Adam Ochoa is a financial advisor at Lotusland Properties with a Series 65 credential and three years of industry experience. He is also a Certified Public Accountant with The Practice CPA, where he has worked for over a decade. Lotusland Properties is an independent, single-advisor firm serving individuals and high-net-worth clients by selecting and referring them to third-party investment advisers. The firm does not manage client portfolios directly and focuses on vetting recommended advisers without exercising trading authority or custody of assets.

Andrew Kustas is the sole advisor at White Pine Investments, an independent firm based in Palm Desert, CA. He holds a Series 65 designation and has 16 years of industry experience. Kustas has managed White Pine Investments since 2001. White Pine Investments manages approximately $24 million in client assets for about 79 clients, providing ongoing investment supervisory services and portfolio management. The firm serves both individual and institutional clients, including pension and profit-sharing plans, offering discretionary portfolio oversight and managed accounts.