Ju Hwan Oh is a financial advisor with Money Concepts Capital Corp in Anaheim, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Money Concepts Capital in 2025, he worked at Unity Wealth Partners and Ameritas Investment Company, LLC. In addition to his advisory role, he is a partner at John Oh CPA Professional Corp, where he provides accounting and tax planning services. Money Concepts Advisory Service offers investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation strategies across discretionary and non-discretionary programs, managing approximately $4.07 billion in client assets through a network of several hundred advisors.

Giesella Earley is a financial advisor with Citigroup Global Markets and holds Series 63 and Series 66 designations. She has 14 years of industry experience and has been with Citigroup since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research and specialized market roles.

Tsanshiau Lin is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 28 years of industry experience. Prior to joining IFG in 2015, Lin worked at firms including VOYA Financial Advisors, Banc of America Investment Services, Equitable Advisors, Citicorp Investment Services, UBS International, and Merrill. Lin is also a licensed California insurance agent offering various types of insurance products outside of IFG. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm delivers financial planning and portfolio management utilizing both firm and third-party models, with an investment approach combining strategic asset allocation, multi-manager portfolios, and active and passive exposures tailored to client risk profiles.

Milos Vrzic is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and three years of industry experience. He previously worked at Signature Resources Capital Management for six years. Vrzic is a co-owner of Tranquility Wealth Management, LLC, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that serves a national network of approximately 2,900 affiliated advisors and manages roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs and access to third-party asset managers, supporting a wide range of investment options and consulting services.

Joel Gritten is a financial advisor with Planmember Securities Corporation based in Yorba Linda, CA. He holds the CFP® designation and has 38 years of industry experience. In addition to his advisory work, he has been involved with Trader Joe’s since 2003 in a non-investment capacity. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services including seminars and personalized retirement planning.

Ruben Gonzalez is a financial advisor at Transamerica Retirement Advisors, LLC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Transamerica Investors Securities Corporation and TransAmerica Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm’s approach utilizes proprietary software and portfolio oversight from Morningstar Investment Management to provide tailored asset allocation and retirement guidance across a large client base.

Chih Tao Ma is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 26 years of industry experience. His prior work includes roles at Cetera, Cathay Bank, U.S. Bancorp Advisors, Bancwest Investment Services, Citicorp Investment Services, and LPL Financial. He is also a California-licensed insurance agent offering insurance sales and services outside of his advisory role. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning, portfolio management, and retirement plan services using a mix of firm- and third-party models, combining passive and active investment strategies across various risk profiles.

Kamron Nahavandi is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. His prior roles include positions at MassMutual, The Prudential Insurance Company of America, and Fit Strategic Advisors LLC. He is also involved with FIT Planning Group, offering fixed and indexed insurance products. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation approaches and operates alongside its broker-dealer and insurance businesses, offering clients access to a wide range of proprietary and third-party investment programs.

John Nguyen is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with several firms, including FIT Strategic Advisors LLC and Crown Capital Securities, L.P. Outside of his advisory role, Nguyen serves as president and CEO of J & N Partnership Financial, focusing on life insurance and tax planning, and is a board member of the nonprofit Youth Leadership American. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients using a variety of managed programs, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers with both discretionary and non-discretionary account structures.

David Salgado is a financial advisor with Eagle Strategies (NY Life) based in West Covina, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. His career includes roles at Elevate Legacies Wealth & Insurance Solutions and NYLIFE Securities LLC. Outside of his advisory work, he is appointed as an insurance broker for non-registered insurance products with outside carriers. Eagle Strategies serves a broad client base including individuals, defined contribution and benefit plans, and corporate and charitable clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with a focus on tailored recommendations and a predominance of non-discretionary asset management.

Connie Jensen is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also involved with GNEST Corporation, where she serves as vice president. Additionally, Jensen has experience with companies such as Inheritguard, LLC and Elite Exclusive Escrow, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, trusts, estates, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios and provides a range of program options, including discretionary management and commission-based products.

Mingming Guo is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials. Guo has prior experience working at Korn Ferry U.S. and OpenHill AI LLC. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios. The firm operates as both a registered broker-dealer and registered investment adviser, providing fee-based and commission-based products with a range of discretionary and non-discretionary program options.

Hubert Crawford is a financial advisor at Empower Advisory Group with 30 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at GWFS Equities, NYLIFE Securities, New York Life Insurance, Merrill, and UBS Financial Services. Outside of his advisory work, he serves as a volunteer director for the Southwest Council Fly Fishers International and on the California State Polytechnic University Pomona Alumni Association Board of Directors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm emphasizes integrated services tied to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates rather than short-term forecasts.

Nicholas Hjorth is a financial advisor with Eagle Strategies (New York Life) who holds a Series 66 designation and has 22 years of industry experience. His career includes roles at BIGGR Wealth Strategies and Insurance Solutions, DH Financial & Insurance Services, and DH Financial Consulting Services. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailored recommendations, with the majority of its assets managed on a non-discretionary basis.

Masayuki Nakayama is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes positions at World System Builders and Nissin International Transport. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, and corporations. The firm offers a range of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with both discretionary and non-discretionary options.

Dennis Doyel is a financial advisor with D.A. Davidson & Co. in Claremont, CA, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He has been with D.A. Davidson & Co. since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and offers specialized services such as ERISA retirement plan advisory, wrap fee programs, equity research, and a Private Wealth program for clients with over $20 million in net worth.

Eric McDermott is a financial advisor with Primerica Advisors in Claremont, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 14 years of industry experience, including roles at Guardian Life Insurance Co of America and Pacific Advisors. Outside of his advisory work, McDermott is involved in several entrepreneurial ventures, including managing partnerships in firms that provide financial insights platforms and business consulting services. Primerica Advisors serves a broad retail client base with both brokerage and advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary and third-party models and supports various account-level services including lending solutions and donor-advised funds.

Victor Storck is a financial advisor with D.A. Davidson & Co., holding a Series 66 designation and bringing 25 years of industry experience. He has been with D.A. Davidson since 2016. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm provides ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Michael Sears is a financial advisor with AE Wealth Management, LLC, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. He has worked with firms including Global Financial Private Capital and currently leads Sears Wealth Management & Insurance Solutions. Sears is also the author of the book *Retire With Simplicity & Clarity: 10 Mindset Shifts Nurses Should Understand to Feel Confident About Their Financial Future*, which targets nurses approaching retirement. Additionally, he serves as a member and CEO of Clarity Tax Partners, LLC, providing tax strategies and planning services. AE Wealth Management delivers fee-based portfolio management, financial planning, and retirement plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies while supporting third-party RIAs through sub-advisory and model-licensing programs.

Anthony Mauro is a financial advisor at Centaurus Financial, Inc. in Orange, CA, holding Series 63 and Series 66 credentials with 18 years of industry experience. He has worked at Centaurus Financial since 2012 and previously at Pacific Point Securities, LLC from 2009 to 2017. Mauro is also president of Mauro Wealth Planning, a DBA used for marketing and branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a mix of fundamental, technical, bottom-up, and top-down analysis.