Hyungkyu Choi is a financial advisor at Schwab Wealth Advisory with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Uber, Lyft, and InstaCart. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients in the Schwab Wealth Advisory program, utilizing Charles Schwab’s asset-allocation models and internal research tools to tailor recommendations to client goals and risk tolerances.

Casey Skrabanek is a financial advisor with Valic Financial Advisors in Austin, TX, holding Series 63 and Series 65 designations and seven years of industry experience. Prior to joining Valic in 2018, Casey worked as a loan officer at Revolution Mortgage and currently has roles outside of finance, including owning an inflatable party rental business and a mortgage consulting service. Valic Financial Advisors serves primarily U.S.-domiciled individual investors, including high-net-worth clients, and offers discretionary managed-account programs, financial planning, and brokerage services using Envestnet UMA models.

Shannon Mckeehan is a financial advisor with Commonwealth Financial Network in Austin, TX, holding a Series 66 designation and 18 years of industry experience. She has been with Commonwealth since 2014. Mckeehan is the author of two books, *Retirement Test Run* and *Retiring on Purpose*. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs, wealth management, and retirement plan consulting. The firm supports its advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Alan Liljegren is a financial advisor with Guardian Life and holds Series 63 and Series 66 credentials. He has 19 years of industry experience, including prior roles at Edward Jones, Bank of America, Merrill Lynch, UBS, Morgan Stanley, and Truist Investment Services. Outside of his advisory work, he is associated with RoRo Es Loco, LLC. Alan Liljegren is affiliated with Park Avenue® Wealth Management, a wholly owned subsidiary of The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and corporations.

Cameron Filbrandt is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Alamo Structural Steel and Nebraska Bank of Commerce. He operates a self-founded entity, O'Keefe Group/Solutions, alongside his advisory work. Ameritas Advisory Services provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients. The firm offers various managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by internal and third-party portfolio resources.

Carl Canga is a CFP® professional with 18 years of industry experience, currently serving with SPC and Sigma Financial. He previously worked at Ameriprise Financial Services, Inc. for 16 years. Outside of his advisory role, he is involved with Prime Wealth Strategies and sells non-variable insurance products. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services with a service model that includes discretionary management and collaboration with third-party managers.

Samuel Froehlich is a financial advisor with Eagle Strategies (NY Life) based in Austin, TX, holding a Series 66 designation and 13 years of industry experience. He has worked at Eagle Strategies since 2013 and is also associated with Avenue Wealth Management and Manifest Wealth. Outside of advising, he serves as a board member for Waterfront Academy, a Montessori school in Washington, D.C. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individuals and institutional sponsors. The firm offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Anne Trinh is a financial advisor with Kestra Advisory Services, LLC, holding CFP® and Series 66 credentials and bringing 24 years of industry experience. Her prior roles include positions at M Holdings Securities, Inc., M Advisory Group, and Waddell & Reed. She serves as a volunteer board member for the Christian Foundation of America and is the executive director of the 2Fish Foundation. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse client base, including institutional and individual investors. The firm offers a range of services such as fiduciary consulting, plan design, investment advice, and employee education, and supports clients with multiple management platforms and third-party solutions.

Robert Huntley is a financial advisor with CWM, LLC, holding the CFP® and ChFC® designations and over 40 years of industry experience. He has worked at Cetera Advisor Networks, LPL Financial, and CWM, LLC. Huntley is also an author of the book *Retire Is a Verb*. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, corporations, and institutional clients through a network of over 600 advisors. The firm employs discretionary portfolio management using model portfolios overseen by an in-house Investment Committee, combining various analytical approaches and third-party resources, with a particular focus on retirement plan and institutional services.

Jason Hergenreder is a financial advisor with Lincoln Investment, holding a Series 66 license and five years of industry experience. His career includes roles at Capital Analysts, Waddell & Reed Inc, and Thomas Dias. Outside of his advisory work, he is the managing member of an investment-related LLC established for tax purposes. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer firm serving individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting, supported by an in-house investment management and research team that constructs strategic model portfolios and employs third-party managers.

Matthew Diteresa is a financial advisor with Primerica Advisors based in Austin, TX, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance since 2015. Outside of his advisory work, he serves as Treasurer on the Board of Directors for St. Dominic Savio Catholic High School and is a member of the Board of Directors for St. Louis King of France. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, employing a mix of proprietary and third-party investment strategies with both discretionary and non-discretionary management options.

Matthew Diteresa is a financial advisor with Guardian Life and holds a Series 66 designation. He has two years of industry experience, including roles at Park Avenue Securities and Equitable Advisors. Outside of finance, he has been involved with DeSano Pizzeria Napoletana and Mandolas Italian Kitchen. Park Avenue Securities, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage, financial planning, retirement consulting, and advisory programs, with services including discretionary and non-discretionary portfolios and a hybrid digital advisory solution.

Sezgi Kutay is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and 11 years of industry experience. She has worked at Charles Schwab and its affiliated entities since 2015, including roles at Charles Schwab Bank and optionsXpress, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Charles Schwab & Co.’s asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Cullen Williams is a financial advisor at Corient with 26 years of industry experience. He holds a Series 66 designation and has worked previously at Capital Advisors, Inc., JP Morgan Chase Bank, N.A., and Scottrade Inc. Cullen is based in Austin, TX. Corient provides investment advisory and financial planning services to a diverse client base, including high-net-worth individuals, trusts, pension plans, and charitable organizations. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and utilizes risk management tools and alternative investments as appropriate.

Christopher Nickens is a financial advisor with Eagle Strategies (NY Life) based in Austin, TX. He holds Series 63 and Series 66 designations and has 22 years of industry experience. Nickens has worked with Eagle Strategies since 2016 and New York Life and Nylife Securities since 2004. Outside of his advisory work, he is involved with ScholarshipGolf.com, an organization he has been associated with since 2003. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Daniel Fiala is a financial advisor with GWN Securities Inc. in Austin, TX, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at GWN Securities since 2012 and has prior experience with PRUCO Securities and Dell Technologies. Outside of advising, he holds a leadership role at Itron Incorporated, a company specializing in smart meter products for energy and water management. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm uses a combination of affiliated and unaffiliated sub-advisers and employs asset allocation and Modern Portfolio Theory, while also maintaining legacy momentum-based trading strategies in some programs.

Thomas Thigpen is a financial advisor at PNC Wealth Management with 17 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Citigroup for nine years. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot available to PNC Bank employees. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Gina Baumann is a financial advisor at Valic Financial Advisors with one year of industry experience. She holds Series 63 and Series 65 licenses and has prior experience at Charles Schwab & Co., Inc. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging centralized technology and third-party model managers.

James Rushing Jr. is a financial advisor with Voya Financial Advisors, Inc. in Austin, TX, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Prior to joining Voya in 2019, he worked at New York Life and NYLIFE Securities LLC from 2014 to 2019. Outside of his advisory role, he is a commissioned notary public and operates as an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors, Inc. serves a diverse client base including individual investors, retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides a variety of services such as financial planning, portfolio management, wrap programs, and third-party money manager access, often delivering non-discretionary advice through multiple program structures.

Cassandra Davenport is a financial advisor with VOYA Financial Advisors, Inc. in Austin, TX, holding a Series 66 designation and 25 years of industry experience. She has worked at VOYA Financial Advisors since 2014 and is also affiliated with Clover Financial Group, LLC. Outside of her advisory role, she is an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. serves individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides a variety of financial services through multiple program structures, emphasizing recommendation-based advice with a significant portion of assets managed on a non-discretionary basis.