Michael Lambrix is a financial advisor with Kestra Advisory in Fallbrook, CA, holding a Series 66 credential and bringing 25 years of industry experience. He previously worked for Commonwealth Financial Network for 12 years before joining Kestra Advisory and Kestra Investment Services, LLC in 2025. Outside of his advisory role, Lambrix is the owner of Monarch Retirement Group, where he manages strategic operations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, supporting recommended investments with due diligence on performance, fees, and process.

Duane Knopke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He worked at LPL Financial for 11 years before joining Independent Financial Group in 2009. Knopke also operates an independent insurance business focused on life, health, disability insurance, and fixed annuities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, trusts, corporations, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms, utilizing both firm- and third-party models to tailor strategies based on client risk profiles.

Ira Tweed is a financial advisor at Lincoln Investment with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Capital Analysts, Lincoln Investment, Great American Advisors, and Mass Mutual Life Insurance. In addition to his advisory roles, he is involved as an agent for insurance and fixed annuity products. Lincoln Investment Planning, LLC serves a broad client base including individual investors, high-net-worth clients, trusts, charities, and retirement plans, notably educators participating in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that constructs strategic model portfolios and dynamic strategies.

Laurel Packham is a financial advisor with Eagle Strategies (NY Life) based in Oceanside, CA. She holds a Series 66 designation and has 23 years of industry experience. Laurel has been affiliated with Eagle Strategies and New York Life since 2013 and 2014, respectively. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

Eron Reyes is a CFP®, CFA®, and Series 63-registered advisor with seven years of industry experience. He has worked at Mariner Wealth Advisors since 2019, following roles at Seaside Wealth Management and Wells Fargo. Reyes is also a consultant and contributor to Simplicity Ops Academy, where he helps develop educational course content on general finance concepts. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds with investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm combines in-house research with third-party managers to implement customized discretionary portfolios, supported by tax and accounting integration and administrative family office services.

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.

Adriana Beltran Romeo is a Series 66-licensed financial advisor with six years of industry experience. She currently works at TLG Advisors, Inc. and has previously held roles at firms including Simplicity Investments, Lincoln, Ascensus, and TD Ameritrade. TLG Advisors, Inc. serves a diverse client base ranging from individuals and high-net-worth clients to institutional investors. The firm emphasizes manager selection and portfolio diversification using fundamental analysis and Modern Portfolio Theory, offering both traditional advisory services and a digital investment program called Starlight Portfolios.

John Paladino is a Series 66-registered financial advisor with 25 years of industry experience. He is currently with Integrated Wealth Concepts LLC and has held positions at firms including Laurel Wealth Advisors, Sterling Global Strategies, Sterling Wealth Management, Morgan Stanley, and UBS Financial Services. Outside of advising, he owns TerraGear Products, a business focused on fitness bike travel bags and gear. 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, consulting, family office, and retirement plan advisory services, emphasizing customized portfolios with a primarily long-term approach.

Robert Chapman is a financial advisor with Independent Financial Group, LLC in Carlsbad, CA, holding a Series 63 designation and 31 years of industry experience. His prior work includes nearly a decade at LPL Financial and over 20 years operating his own financial consulting practice. Outside of his core advisory role, he is the sole owner of a marketing DBA, Pacific Crest Global Wealth Management, and is also licensed as a California insurance agent and an independent contractor offering mortgage lending services. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios across both active and passive exposures, offering a range of financial planning and portfolio management solutions through various platforms.

Victoria Plum is a financial advisor with Independent Financial Group, LLC in Carlsbad, CA, holding Series 63 and Series 65 licenses and having 16 years of industry experience. She has been with Independent Financial Group since 2015. In addition to her advisory role, she operates a business entity for tax and investment purposes. Independent Financial Group, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm provides financial planning, portfolio management, and retirement plan services, utilizing both firm- and third-party models with a combination of passive and active investment strategies.

Cari Leamy is a financial advisor with NewEdge Advisors, LLC, holding Series 66 and Series 65 licenses and five years of industry experience. Her prior roles include positions at Brighton Jones, Refresh Investments, and Fisher Investments. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a range of portfolio management and consulting services, utilizing a combination of in-house and third-party investment strategies supported by technology and centralized due diligence.

Megan Johnson is a CFP®-certified financial advisor with 14 years of industry experience. She currently works at Kestra Advisory Services, LLC and Kestra Investment Services, LLC, having previously spent ten years at Commonwealth Financial Network. Johnson is a 16.5% owner of Monarch Retirement Group, an operating company involved in securities, advisory, and insurance services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including plan sponsors. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms with discretionary trading capabilities, serving assets totaling approximately $79.8 billion.

Megan Nielsen is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 65 licenses and having 18 years of industry experience. Her career includes roles at Mutual of America entities and Wealthspire Retirement Advisory. Outside of advising, she serves as president of Fort Stockton Investments, Inc., which manages income from mining rights and interests. Integrated Wealth Concepts LLC serves a broad client base including individuals, families, trusts, and retirement plans through independent advisors. The firm offers discretionary investment management, financial planning, and family office services, using primarily mutual funds, ETFs, equities, and fixed income to create customized portfolios with a long-term investment approach.

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 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at firms such as RSM US Wealth Management, Labrum Wealth Management, and Edward Jones. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, relying on Morningstar Investment Management for portfolio construction and ongoing oversight.

Deanna Williamson is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 66 designation and bringing 24 years of industry experience. She has been with J.W. Cole Advisors and its affiliated firm since 2013. Outside of her advisory role, she owns and operates Williamson Financial Investments and Planning, providing investment management and retirement consulting services since 2005. 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 representatives. The firm offers portfolio management, fee-based financial planning, and multiple managed account solutions, utilizing discretionary and non-discretionary approaches that include fundamental and technical analysis as well as algorithmic allocations.

Arnold Adkins is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds Series 66, 65, and 63 designations. His prior work includes roles at Advised Assets Group, GWFS Equities, Park Avenue Securities, Guardian Life Insurance Company, Mass Mutual, and Ameriprise. Outside of finance, he is a co-owner of an independent film production company, Viscape Arts. 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 clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Stephen Locko is a financial advisor with GWN Securities Inc. in Carlsbad, CA, holding Series 63 and Series 65 credentials and possessing 35 years of industry experience. He has been with GWN Securities since 2009 and is also involved with ISN Network and Resource Marketing Associates, providing consulting on corporate enterprise risk and insurance. Additionally, he owns and operates Beachfront Tax LLC, a tax preparation business. GWN Securities offers investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a range of affiliated and unaffiliated sub-advisers and utilizes both model-based allocations and tactical strategies, including market-timing and momentum-based approaches.

Aaron Chamberlin is a financial advisor at Oppenheimer with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Stifel Nicolaus & Co., Wells Fargo Clearing, and A.G. Edwards & Sons. Chamberlin is also the trustee of the John Arnold Family Trust, a role he has held since 1998. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of discretionary and non-discretionary investment programs across equity, balanced, and fixed-income portfolios, with a notable focus on non-discretionary advisory assets and integrated custody services.

Keith Trezek is a financial advisor with Independent Financial Group, LLC and holds Series 63, Series 65, and Series 66 licenses. He has 33 years of industry experience, including prior roles at Woodbury Financial Services Inc and Crown Capital Securities, L.P. In addition to his advisory work, he serves as an independent contractor in insurance outside of his firm. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and pension plans. The firm offers financial planning and portfolio management through various platforms and combines strategic asset allocation with ongoing due diligence across passive and active investment exposures.