Javier Lopez is a financial advisor at Transamerica Financial Advisors with credentials including Series 63 and Series 65 and three years of industry experience. He is also the owner of CroesusFG LLC, a pass-through entity related to tax services for his WFG business. 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 combination of advisory and broker-dealer services through proprietary and third-party model portfolios with both discretionary and non-discretionary management options.

Hermann Rojas is a financial advisor with Eagle Strategies (NY Life) based in Riverside, CA. He holds Series 63 and Series 65 licenses and has nine years of industry experience. Prior to joining Eagle Strategies in 2025, he worked with NYLIFE Securities LLC and New York Life Insurance Co. since 2017, and spent eleven years at Enterprise Rent-A-Car Company. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers multiple program types tailored to client objectives and manages a majority of its assets on a non-discretionary basis, including advisory services connected to insurance and annuity products.

Josiah Campbell is a financial advisor with Transamerica Financial Advisors in Rancho Cucamonga, CA, holding Series 63 and Series 65 licenses and two years of industry experience. He is involved with Intertwined Solutions, Inc., promoting financial literacy through partnerships with banks, schools, and non-profits, and provides client education and support on estate planning through InheritGuard, LLC. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party model portfolios.

Kyung Chang is a financial advisor with Principal Financial Services holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior work includes roles at Mass Mutual Investors Services and The Prudential Insurance Company of America. He also maintains a licensed insurance agent role, focusing on the sales and service of fixed insurance products such as life, annuities, disability income, and long-term care insurance. 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 emphasizes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.

Julie Shen is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. She holds a Series 66 designation and previously worked at VOYA Financial Advisors, Inc. from 2012 to 2015. Shen is a 50% owner of ENT Wealth Management, a marketing DBA, and is also a licensed California insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers financial planning and portfolio management through multiple platforms, combining strategic asset allocation and multi-manager portfolios with both passive and active investment exposures.

Christopher Puzio is a CFP®-credentialed financial advisor with 16 years of industry experience. He is currently affiliated with Commonwealth Financial Network and has prior experience at Wallick Wealth Management and LPL Financial. Puzio also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and a broad client base. The firm offers a comprehensive adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Patrick Duignan is a financial advisor with Money Concepts Capital Corp in Brea, CA, holding a Series 66 designation and bringing 15 years of industry experience. He has been with Money Concepts Capital Corp since 2010. Outside of his advisory role, Duignan is the owner of NorthPoint Tax, Wealth & Business Advisory, LLP, a tax preparation and business consulting firm. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm uses a combination of model portfolios, advisor-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory to manage assets and offer a range of managed programs and account structures.

Magaly Aguirre is a financial advisor with Eagle Strategies (NY Life) based in San Dimas, CA. She holds Series 63 and Series 66 credentials and has 16 years of industry experience. Aguirre has been with NYLIFE Securities LLC and New York Life Insurance Company since 2014 and joined Eagle Strategies in 2023. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm offers a range of program types tailored to client objectives, with a significant portion of assets managed on a non-discretionary basis.

Timothy Higgins is a CFP® and PFS™ credentialed financial advisor with 13 years of industry experience. He is currently with Money Concepts Capital Corp and has held roles at Blue Palm Consulting and NorthPoint Tax, Wealth & Business Advisory, LLP, where he provides tax preparation and consultation. Outside of advisory work, he is involved in consulting through Blue Palm Consulting and participates in an investment club as an owner. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing $3.33 billion across about 14,700 clients. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations, offering a range of managed programs that include model portfolios, third-party sub-advisers, and both discretionary and non-discretionary account structures.

Lin Lin is a Series 66 licensed financial advisor with 10 years of industry experience. Lin has worked at Citigroup Global Markets since 2025 and previously held roles at HSBC Bank USA and HSBC Securities, as well as Bank of America and Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and functioning as a security-based swap dealer and futures commission merchant.

Angelica Betancourt is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is involved in several other business ventures, including Team Conquer Inc, Pro Services Rendered LLC, GAV Property Management LLC, and All For Janitorial Services Inc. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, estates, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs available on discretionary and non-discretionary platforms.

Chase Morris is a financial advisor at AE Wealth Management, LLC, holding a Series 65 designation with four years of industry experience. His background includes legal practice as a solo attorney at his own law office and roles in multiple financial and legal firms. He is an officer and partial owner of Clarity Tax Partners, LLC, where he works on tax strategies and planning in collaboration with licensed CPAs and enrolled agents. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement plan consulting to a diverse client base, including individual households, corporations, trusts, and ERISA plan sponsors. The firm emphasizes discretionary model portfolios and standardized platform services across a large client base.

Stephen Short is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at multiple firms including Barons Enterprise International Inc and Debtmerica, and has engaged in marketing and client support roles beyond his advisory duties. Transamerica Financial Advisors serves a wide range of clients such as individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party investment programs. The firm operates as both a registered broker-dealer and RIA, managing discretionary and non-discretionary portfolios alongside affiliated retirement and recordkeeping services.

Haoqiu Zhang is a financial advisor with Eagle Strategies (NY Life) based in Yorba Linda, CA. He holds a Series 66 designation and has two years of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, and YunExpress USA. Outside of his advisory work, he is also involved in insurance brokering for non-registered products. Eagle Strategies serves a diverse client base, including individual investors and institutional retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate framework.

Victor Lee is a financial advisor with Transamerica Financial Advisors in City of Industry, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. His prior work includes roles at Arya Global Consulting, Olivestree CSGarmax LLC, and Focus Advisors International, LLC. Outside of finance, he works as a rideshare driver for Uber and Lyft on a part-time basis. Transamerica Financial Advisors serves a broad client base, including individuals, pension and profit-sharing plans, trusts, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios, with both discretionary and non-discretionary program options.

Fanyi Zeng is a financial advisor at Transamerica Financial Advisors with industry credentials including the Series 63 and Series 65 licenses. Zeng has held positions at several financial institutions, including US Bank and Comerica Bank. Outside of Transamerica, Zeng is involved with World System Builders and the World Financial Group Insurance Agency. Transamerica Financial Advisors serves individual investors, pensions, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with program options that can be discretionary or non-discretionary.

David Bennett is a financial advisor with Eagle Strategies (NY Life) based in Placentia, CA. He holds Series 63 and Series 66 licenses and has one year of industry experience. Prior to entering financial services, he worked for 17 years at In-N-Out Burger. Eagle Strategies serves a diverse clientele including individual investors and institutional plans, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice and offers multiple program types, with the majority of its assets managed on a non-discretionary basis.

Johnny Tep is a CFP® with one year of industry experience, currently serving as a financial advisor at Mariner. His prior work includes roles at Walker Wealth, Griffin Capital Securities, and GCI Solar. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and integrated tax and family office services. The firm employs discretionary, customized portfolios managed by an Investment Committee and supported by in-house research and third-party managers.

Robert Lee is a financial advisor with Citigroup Global Markets Inc., holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Citigroup Global Markets since 2012. Citigroup Global Markets serves individual and institutional clients across various wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs, supported by in-house research and unique market roles.

Debra Popovich is a financial advisor with Kestra Advisory in Fullerton, CA, holding 10 years of industry experience. She previously worked at LPL Financial from 2014 to 2018 and has been involved with RD Tax Services since 1993. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design, and employee education, and serves large institutional investors with approximately $79.8 billion in assets under management.