Jeffery Clemons is a CERTIFIED FINANCIAL PLANNER™ professional with 33 years of industry experience. He is currently with Guardian Life and Park Avenue Securities, having held prior roles at Mutual of Omaha, Mass Mutual, and Northwestern Mutual. Clemons also engages in offering insurance products outside those available through Guardian and its subsidiaries. Park Avenue Securities, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored client solutions through advisor-led discretionary management, model-based strategies, and access to proprietary and third-party platforms.

Trent Huston is a financial advisor with Private Advisor Group, LLC, holding ChFC® and Series 66 credentials and bringing 17 years of industry experience. His career includes roles at AK Financial Group and LPL Financial. He is also involved with OC Wealth Coach, a business focused on life, health, disability, and long-term care insurance. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering both discretionary and non-discretionary portfolio management alongside financial planning and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing a variety of investment strategies and technology platforms while often implementing advice through third-party managers and TAMPs.

Kai Sheng is a financial advisor at HSBC Securities (USA) Inc. with 12 years of industry experience. He holds a Series 66 designation and has worked at HSBC Securities and its affiliate HSBC Bank USA N.A. since 2016. Prior to that, he was with Merrill and Edward Jones. Kai is also a Bank Officer at HSBC Bank (USA) N.A., where he sells bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm provides multiple program types ranging from client-directed to fully discretionary portfolios and employs a structured investment process supported by HSBC Global Asset Management and third-party providers.

Rahul Karugapadam is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 66 credentials and seven years of industry experience. His career includes roles at Ameriprise, Comerica Securities, Wells Fargo, and J.P. Morgan. He is also a part owner of his wife's hair salon. FIFTH THIRD SECURITIES serves individual and institutional clients through investment advisory and brokerage channels, offering multiple program types and third-party portfolio managers on its Passageway Managed Account platform. The firm operates as a direct wholly owned subsidiary of Fifth Third Bank and manages a broad range of investment solutions including mutual funds, ETFs, SMAs, and direct indexing.

Joshua Belkin is a financial advisor with J.W. Cole Advisors, Inc. in Orange, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Leumi Investment Services, J.P. Morgan Securities, and Chase Investment Services Corp. Outside of his advisory work, he owns a business selling travel- and wrestling-themed merchandise. J.W. Cole Advisors operates a large network of independent advisers and offers fee-based portfolio management, financial planning, retirement plan services, and access to third-party manager platforms for individuals, high-net-worth clients, and institutions. The firm uses a range of investment strategies and digital advice platforms, providing both discretionary and non-discretionary management.

Shaojin Guo is a financial advisor at Equity Services, Inc. with Series 65 and Series 63 licenses and less than one year of industry experience. Prior to joining Equity Services, Guo held positions at National Life Group and Morgan Stanley. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently using third-party asset managers and model portfolios, and combines long-term strategies with options for shorter-term trading and specialized instruments.

Adina Coca is a financial advisor at Transamerica Financial Advisors with 14 years of industry experience. She holds a Series 65 designation and has worked at Transamerica since 2012. In addition to her advisory role, she owns and operates B & C Tax Service, providing tax preparation and audit services since 1995. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, combining proprietary and third-party investment models with discretionary and non-discretionary program options.

Reginald Stewart is a financial advisor with Planmember Securities Corporation, bringing 37 years of industry experience. He has worked with Syncis since 2015 and has been involved in substitute teaching since 2013. In addition to his advisory role, he is active in insurance education and sales, focusing on products such as life insurance and annuities through Syncis. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as a fiduciary for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Meileh Burns is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 18 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has a background that includes roles at Ricoh USA and Debtmerica Relief. Burns is also involved in music as a background singer with the Paul McDonald Big Band and serves as a music ministry director at Changed Church. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios with discretionary and non-discretionary options.

Rubab Muzaffar is a financial advisor at Principal Financial Services with five years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. 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’s advisory offerings include financial planning, retirement plan consulting, and access to third‑party money manager asset allocation and separately managed account solutions.

Arvind Mehta is a financial advisor with Principal Financial Services in Irvine, CA. He holds Series 65 and Series 63 designations and has three years of industry experience. His prior roles include positions at Ducat Capital Partners LLC and several financial and technology firms. Principal Securities provides brokerage and registered investment advisory services to a broad range of clients, including individual investors, retirement plans, trusts, estates, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed accounts.

Larry Mccarty is a CFP® professional with 34 years of experience in the financial services industry. He has worked at Commonwealth Financial Network and Diversified Investment Services, Inc. since 2009 and was previously employed at OSAIC from 2006 to 2009. Additionally, he is involved with E Health, providing Medicare product referrals in a capacity outside investment services. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a comprehensive platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Jeffrey Wolfe is a financial advisor at Equity Services, Inc. with 19 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Morgan Stanley, UBS Financial Services, and New York Life Insurance Co. Wolfe is also licensed as an insurance agent through True Path Financial and Insurance Services. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, offering advisory programs that combine long-term strategies with options for shorter-term trading and utilize multiple third-party asset managers and model portfolios.

Scott Perkins is a CFP® with 15 years of industry experience, currently serving as an advisor at Focus Partners Wealth, LLC since 2025. His prior work includes roles at Churchill Management Group, Cetera Wealth Services, LLC, and Ronald Blue & Co., LLC. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients, offering wealth management, financial and tax planning, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach using a mix of active and passive strategies, third-party managers, and private funds.

Olivia Sula Wang is a financial advisor with Transamerica Financial Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include work at InheritGuard and LSPN Direct. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios with discretionary and non-discretionary management options.

Madeleine Rozo is a financial advisor at Integrated Wealth Concepts LLC with experience beginning in 2025. She previously worked at Armanino LLP and Bolar Hirsch & Jennings LLP. 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, and family office services, employing customized portfolios with a long-term investment approach.

Gary Smith is a financial advisor with Transamerica Financial Advisors who holds the ChFC® and Series 63 designations and has 27 years of industry experience. He has been with Transamerica Financial Advisors since 2016 and is involved in several other business activities including real estate sales, tax preparation, and estate planning services. Smith also works as a tanker driver and operates an insurance agency that has been active since 1986. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, estates, charitable organizations, and businesses. The firm delivers services through a large advisor network using model portfolios and third-party managers, with approximately $1.7 billion in regulatory assets under management.

Asihel Pena is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. Prior to joining Citigroup in 2025, he spent 12 years at Bank of America. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and is notable for its large institutional scale and unique market roles, including operation as a swap dealer and futures commission merchant.

Jerome Jostak is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 28 years of industry experience and has worked at Transamerica Financial Advisors since 2012. In addition to his advisory role, he manages small projects as an R&D Project Manager at ICU Medical, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers a range of advisory and broker-dealer services with proprietary and third-party investment models, supporting both discretionary and non-discretionary program choices.

Yevgeniy Vitebskiy is a financial advisor at Eagle Strategies (NY Life) with 14 years of industry experience. He holds the Series 63 and Series 65 registrations and has been affiliated with New York Life Insurance Company and its related entities since 2011. He also operates under the DBA Axiom Financial & Insurance Solutions, brokering non-registered insurance products alongside his advisory role. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice across multiple program types and manages a substantial majority of assets on a non-discretionary basis within an integrated New York Life affiliate structure.