Juan Yu is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Highlevel, United Healthcare, ACV Auctions, and Cosmo Insurance Agency. Outside of financial advising, he is involved in consulting on group health insurance and managing equity compensation programs for digital and vehicle auction companies. Transamerica Financial Advisors serves a diverse client base that includes individual investors, institutions, and charitable organizations. The firm offers a range of advisory and broker-dealer services featuring proprietary and third-party model portfolios, with program options that are discretionary or non-discretionary.

Montaha Khatib is a financial advisor at Citigroup Global Markets with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal oversight and provides unique market roles such as swap dealing and futures commission merchant services.

Michael Vitkansas is a financial advisor at Kestra Advisory Services, LLC with over 41 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His prior experience includes roles at Veravest Investment Advisors, Inc. and extensive involvement with Benefits for Your Firm since 2003. Additionally, he is president of Michael A. Vitkansas CLU, ChFC Employee Benefit Services, LLC, where he manages employee benefit-related activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting for a diverse range of institutional and individual clients, including large plan sponsors. The firm offers fiduciary services, employee education, and access to multiple management platforms and third-party solutions, serving over $79 billion in assets across various client types.

Kathleen Reilly is a Series 66-licensed financial advisor with 10 years of industry experience. She currently works at Commonwealth Financial Network and is co-owner of Reilly Financial Group, LLC, a private entity engaged in securities, advisory, and insurance business. Her prior experience includes roles at MML Investors Services and Mass Mutual Life Insurance Company. 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 broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Trevor Musum is a financial advisor with Lincoln Investment, holding a Series 66 designation and three years of industry experience. His prior roles include positions at SAFE Benefits Consulting Group and Adelphia Wine Market, as well as work at Florida State University and Mennen Sports Arena. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base including 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 & Research team that develops strategic model portfolios and adaptive investment strategies.

Michael Carides is a CFP® professional with three years of industry experience, currently advising at Wealth Enhancement Advisory Services, LLC. His background includes roles at Wealth Enhancement Group and Equitable Advisors, as well as experience outside finance in retail and education. Wealth Enhancement Advisory Services is an enterprise firm managing over $122 billion in assets for individuals, high-net-worth clients, corporations, and retirement plans. The firm employs a diversified, risk-class based investment approach that blends passive and active management, supported by an internal Investment Committee overseeing portfolio construction and rebalancing.

David Cassin is a financial advisor with Valic Financial Advisors in Berkeley Heights, NJ, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and Northwestern Mutual entities. He also serves as an agent for non-securities insurance products through Agia. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed models and operating on a large scale with over 1,200 advisors.

Ray Hawkins is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2019. Prior to this, he worked at AEPG Wealth Strategies from 2011 to 2019. Hawkins is also involved with Wealth Enhancement Group’s non-variable insurance activities. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by research and an internal Investment Committee.

Jon Gagliardi is a PFS™ credentialed financial advisor with two years of industry experience, currently with Cetera Planning Partners. He has a background that includes roles at Avantax and 1st Global Advisors, and he serves as Chief Executive Officer of MSPC Certified Public Accountants and Advisors, which provides tax planning, financial attest services, and investment planning. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management and comprehensive financial planning, including tax and estate planning services. The firm employs a document-driven process centered on diversified mutual fund and ETF allocations aligned with client objectives and risk tolerance.

Meizhen Chen is a financial advisor at Transamerica Financial Advisors with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Transamerica Financial Advisors since 2012. Chen also has experience with Century 200 Group, LLC and World Financial Group, Inc. In addition to her advisory role, she serves as a Medicare sales agent with Spark Insurance Services, helping clients select suitable Medicare plans. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm employs a combination of proprietary and third-party model portfolios and manages approximately $2.1 billion in assets under management as of December 2025.

Theodore Schneider is a CFA® charterholder with 11 years of experience in financial advising. He has worked at Cerity Partners LLC since 2022 and previously spent nine years at Round Table Wealth Management. He holds a financial interest in a private investment business, P Shares LLC. Cerity Partners LLC advises a diverse client base, including high-net-worth individuals, families, charities, and institutional investors, managing approximately $166.2 billion in assets. The firm offers customized wealth management services and access to alternative and private market solutions through a combination of proprietary quantitative methods and direct security selection.

Samuel Bebout is a financial advisor with Cerity Partners LLC, holding a Series 65 credential and one year of industry experience. His prior roles include positions at Cobalt Service Partners, Alvarez & Marsal, and EY, LLP, as well as periods of full-time education. Cerity Partners advises a broad client base including individuals, families, trusts, estates, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm’s investment approach emphasizes customized wealth management through tailored Investment Profiles, asset allocation, proprietary quantitative screening, and access to alternative and private market solutions for qualified clients.

Valerie Downs is a CFP® with seven years of industry experience, currently serving as a financial advisor at MAI Capital Management, LLC. Her prior roles include positions at LWS Wealth Advisors, Inc., Wealth Edge, and Allied Wealth Partners. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base, including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies and integrates financial planning and tax services into its client relationships.

Dominic Carter is a financial advisor with NewEdge Advisors holding Series 63 and Series 65 licenses and has two years of industry experience. His prior work includes positions at LPL Financial LLC and Equitable Advisors, LLC. Outside of finance, he is involved with Friends Cafe in New Brunswick, NJ. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers a broad range of services including portfolio management, financial planning, retirement plan consulting, and access to third-party managers through multiple program structures combining in-house manager selection and third-party strategies.

Kevin Mullins is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Valic Financial Advisors since 2009 and is also associated with Agia. Outside of his advisory role, Mullins is writing a business book titled "Business Lessons From The Godfather" under a pseudonym, targeting executives and entrepreneurs. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed models with a focus on diversified asset allocation and periodic rebalancing.

Adam Skot is a financial advisor at GWN Securities Inc. with 16 years of industry experience. He holds the Series 66 designation and has worked at GWN Securities since 2016, following prior roles at Hornor, Townsend & Kent, LLC and Equitable Advisors. Outside of his advisory work, Skot is involved in selling life and health insurance through Madison Brokerage. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs portfolios based on asset allocation and Modern Portfolio Theory, combining affiliated and unaffiliated sub-advisers, and is noted for its use of tactical market-timing and momentum strategies.

Andrew Roberts is a CFP® with 10 years of industry experience, currently serving at Beacon Pointe Advisors, LLC. His career includes eight years at Fidelity Brokerage Services, LLC and multiple roles within Beacon Pointe Advisors and its affiliated insurance services. Beacon Pointe Advisors, LLC offers wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individual, corporate, pension, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive strategies across public and private asset classes.

William Angelo is a financial advisor at Private Advisor Group, LLC with four years of industry experience. He holds a Series 65 designation and concurrently practices as a Certified Public Accountant at Angelo & Associates CPAs PC, where he provides tax advice and tax preparation services. He is also licensed to sell insurance and offers certain insurance products on a commission basis, separate from his investment advisory services. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based model that incorporates multiple investment strategies and technology platforms, often implementing advice through third-party managers and third-party asset management programs.

Sean Obrien is an investment advisor representative with Kestra Advisory, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Kestra Advisory Services, LLC since 2016 and is the founder of O'Brien Wealth Management, LLC, which provides investment advisory services through Kestra. He serves on the endowment committee at Christian Brothers Academy, overseeing the management of their endowment fund. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms while serving clients such as large institutional investors and sovereign wealth funds.

Robert Bennett Jr. is a financial advisor with Janney Montgomery Scott who holds Series 63 and Series 66 designations and has 38 years of industry experience. He has been with Janney Montgomery Scott since 1990. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, and municipalities, offering brokerage services, financial planning, and multiple advisory programs.