Michael Affleck is a financial advisor with Principal Financial Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been associated with multiple entities including 6Pillars Financial Services, Principal Life Insurance Company, Principal Securities Inc., and owns MHA Holdings, LLC dba Tetra Group, Ltd., a business involved in group and property insurance. He also works as a broker in group benefits and as an agent in fixed insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm’s advisory services include financial planning, retirement plan consulting, and third-party money manager programs offered under various advisory and promoter arrangements.

Trevor Isaacs is a financial advisor with Eagle Strategies (NY Life) based in Rancho Santa Fe, CA, holding the CFP® and ChFC® designations with 11 years of industry experience. He has worked with Eagle Strategies since 2017 and has affiliations with New York Life Insurance Company and NYlife Securities LLC dating back to 2014. Isaacs operates IZX Financial and Insurance Solutions and owns Isaacs Financial Group LLC, which handles insurance brokering and related business activities. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, and charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions and mostly managing assets on a non-discretionary basis within the New York Life affiliate structure.

Hector Monroy III is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at Westmount Asset Management and Standish Management. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary asset management, financial planning, and consulting services.

David Baldwin is a CFP® with 20 years of experience in financial advising, currently with Commonwealth Financial Network. His prior roles include positions at Talents Financial Planning and Wealth Management, LS Investment Management, TCFG Wealth Management, and Edward Jones. Baldwin is also the author of the book *The Balancing Act, Rewriting Your Financial Script*. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, supporting various investment strategies and portfolio implementation.

Mark Bobin is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Independent Financial Group since 2010. Outside of his advisory role, he also provides public notary services and works as a California-licensed insurance agent. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement services, utilizing multiple advisory platforms and third-party asset managers to implement client investment strategies.

Garrison Beck is a financial advisor with Empower Advisory Group holding a Series 65 credential and two years of industry experience. He has worked with Empower Advisory Group since 2024 and previously was associated with Empower Financial Services, Inc. His background also includes roles in healthcare supply and small business operations. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach emphasizes long-term portfolio returns and annual rebalancing, delivering services through platforms closely tied to Empower’s recordkeeping and administrative systems.

Mark Ealy is a CFP® professional with 24 years of industry experience, currently serving at Independent Financial Group, LLC since 2009. He is a board member of Solutions for Change, a nonprofit organization addressing homelessness. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in regulatory assets and offers advisory programs through its AccessPoint platform and third-party asset managers.

Kim Ip is a financial advisor with MAI Capital Management, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining MAI in 2025, Kim worked at Evoke Advisors for seven years and First Republic Securities Company, LLC for six years. Outside of advising, Kim serves as a trustee for irrevocable trusts benefiting family members and holds volunteer roles on the advisory board of Scripps Green Hospital and the financial council of the Church of Nativity. MAI Capital Management provides investment management, wealth planning, retirement consulting, and family office services to individuals, families, sports professionals, trusts, and institutions. The firm manages over $72 billion in assets and offers customized portfolio management across various strategies, integrating financial planning and tax services within client relationships.

Peter Smegielski is a financial advisor at Osaic Advisory Services, LLC with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Arbor Point Advisors, Securities America, and Bbva Securities. Outside of financial advising, he serves as treasurer for the First Church of Christ, Scientist, and has roles as an independent consultant for Young Living Essential Oils and president of First Choice Financial. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and nonprofits. The firm provides investment management, financial planning, retirement plan consulting, and related advisory services through multiple program models, utilizing a combination of proprietary and third-party platforms.

Magdalena Doemeny is a CFP® with 10 years of industry experience. She currently works at Farther and has held positions at Hello Magda Consulting, NerdWallet Inc, Plaid, Origin, Wealth In Hand, LLC, and FutureAdvisor. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform and direct client meetings. The firm applies a Modern Portfolio Theory-based investment approach using bespoke or algorithmic model portfolios with automatic rebalancing and primarily allocates among ETFs, mutual funds, individual equities, and fixed income.

Daphne Martin is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with D.A. Davidson & Co. since 2016. Outside of her advisory role, she serves as a board member and treasurer for the Texas Exes Los Angeles Chapter, a nonprofit scholarship foundation. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm adheres to fiduciary standards under the Advisers Act and ERISA, offering a range of services from retirement plan advisory to comprehensive financial planning and private wealth management.

Barry Naiditch is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and practiced law as an attorney from 2012 to 2025. In addition to his advisory role, he is involved in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm uses a model portfolio approach implemented through third-party managers and proprietary platforms such as Transamerica ONE and the TFA365 Advisory Program.

Raul Lizalde is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC, bringing four years of industry experience. Prior to joining Integrated Wealth Concepts, he worked at OneDigital Investment Advisors, Retirement Wealth Advisors, and has held a long-term role as a business manager at VEBS, where he manages administrative and federal employee retirement training activities. Integrated Wealth Concepts serves a diverse client base including individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a large network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan services, employing a primarily long-term investment approach with customized portfolios using mutual funds, ETFs, equities, and fixed income.

Brett Clarke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Independent Financial Group since 2015 and has operated under his own name since 2010. Clarke is also the owner of Clarke Financial Services, Inc., which provides tax preparation and bookkeeping services. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that offers brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm delivers advisory services through a national network of Investment Adviser Representatives and provides multiple program options tailored to client risk profiles.

Gabriel Nave is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and one year of industry experience. Before joining Hornor, Townsend & Kent in 2026, he worked with Northwestern Mutual in various capacities for one year. Prior to his advisory career, he spent several years in the technology sector with Everynet and CalAmp. Hornor, Townsend & Kent serves individuals, high-net-worth clients, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting through a network of advisers, operating both as an SEC-registered adviser and a FINRA-member broker-dealer.

Brian Howarth is a Series 66 licensed advisor with Principal Financial Services, based in Encinitas, CA, and has 16 years of industry experience. He has been with Principal Securities Inc. since 2016 and Principal Life Insurance Company since 2010. Outside of his advisory role, he is engaged in short-term consulting with AlphaSights, focusing on industry-level trends. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Linda Smith is a financial advisor with D.A. Davidson & Co., holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with D.A. Davidson since 2013. Outside of her advisory role, she serves as a notary public in Carlsbad, CA. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad range of clients, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, comprehensive financial planning, and a Private Wealth program for high-net-worth clients, emphasizing fiduciary standards and employing both qualitative and quantitative analyses.

John Ogden is a financial advisor at Oppenheimer with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Oppenheimer since 2010. Outside of his advisory role, he serves as a trustee for a personal family trust. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs and investment strategies that range from discretionary portfolio management to consulting services.

David Kempton is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. His prior roles include positions at Catalina Capital Group LLC and OneAmerica entities spanning over a decade. He holds Series 63 and Series 65 licenses. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Kai Swick is a financial advisor with Kestra Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at Solomon Retirement Services and Independent Financial Group, and has experience in tax preparation and filing through an independent contractor role with Solomon Wealth Management. Outside of advisory services, he has worked in the tax planning and accounting field. Kestra Advisory provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as plan sponsors and sovereign wealth funds.