James Kieckhafer is a financial advisor at Centaurus Financial, Inc. in Irvine, CA, with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Centaurus since 1998. In addition to his advisory role, he is a partner at Kieckhafer, Lane & Schiffer LLP, providing CPA services, tax consulting, and attest services. Centaurus Financial, Inc. offers advisory and brokerage services to a diverse client base including individuals, families, businesses, and trusts. The firm provides financial planning, portfolio management, and specialized retirement-plan consulting, utilizing both discretionary and non-discretionary arrangements with various investment analysis techniques and overlay programs.

Xiaoying Shi is a financial advisor with Transamerica Financial Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has been associated with World Financial Group since 2001. She is involved in the sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a variety of fee-based and commission-based programs. The firm combines proprietary and third-party model portfolios with discretionary and non-discretionary management options.

Chester Peach is a financial advisor at Guardian Life with 39 years of industry experience. He holds a Series 65 designation and has worked at Guardian Life since 2008, following six years at PRUCO Securities, LLC. In addition to his advisory role, he is involved in group medical benefits sales and service through Professional Choice Insurance. Guardian Life’s subsidiary, Park Avenue Wealth Management, offers brokerage and investment advisory services to individuals, high-net-worth clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of advisor-led discretionary management and model-based strategies, providing access to proprietary and third-party solutions, insurance products, and integrated lending options.

Amber Malik is a financial advisor at Empower Advisory Group with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at US Bank from 2019 to 2022 and has been with Empower Financial Services, Inc. since 2023. 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 delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

William Pyott is a financial advisor with Eagle Strategies (NY Life) based in Trabuco Canyon, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been associated with New York Life Insurance Company since 2000 and joined Eagle Strategies in 2025, with recent experience at Skylight Financial & Insurance Solutions. In addition to advisory work, he is involved in individual and group health insurance activities outside of New York Life. Eagle Strategies serves a diverse client base including individuals and institutions, offering financial planning, investment management, and retirement-plan advisory services primarily on a non-discretionary basis. The firm operates within the New York Life affiliate structure, providing tailored advice across multiple program types and emphasizing fiduciary responsibilities in retirement-related services.

Hussein Essayli is a CFP® professional with nine years of industry experience, currently serving at Schwab Wealth Advisory. His career includes roles at Charles Schwab and Bridgepoint Strategic Partners LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients in the Schwab Wealth Advisory program, using standardized asset-allocation models and internal research tools while requiring client authorization for trades.

Simon Syer is a financial advisor with HSBC Securities (USA) Inc. in Irvine, CA, holding the ChFC® designation and Series 63 and 66 licenses, with 16 years of industry experience. He has worked at HSBC Securities (USA) Inc. since 2013 with a break before returning in 2024, and previously spent nine years with Mass Mutual Investors Services and MassMutual Life Insurance Company. He also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering a range of client-directed and fully discretionary investment options. The firm’s investment process incorporates model risk profiles and combines strategic and tactical asset allocation, utilizing affiliated and third-party providers for advisory and fund management services.

Cheryl Donnelly is a financial advisor with Guardian Life, holding a Series 66 designation and bringing 23 years of industry experience. She has worked at Guardian Life and its related entities since 2014 and previously was with Arete Wealth Advisors and Private Wealth Advisors. Outside her advisory role, she conducts financial education workshops and serves as a successor trustee and co-executor of family trusts and estates. Guardian Life's subsidiary, Park Avenue Securities LLC, offers brokerage and advisory services to individuals, retirement plan sponsors, and organizations, combining advisor-led discretionary management with model-based strategies and access to a range of proprietary and third-party investment solutions.

Richard Huffman is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. He has been a tax partner at Wright Ford Young & Co CPAs since 2006. 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, family office services, and retirement plan advisory, utilizing customized portfolios with a long-term approach that includes mutual funds, ETFs, equities, and fixed income.

Nain Perez is a financial advisor at Valic Financial Advisors with 21 years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill Lynch, Ameriprise, and Agia. Outside of his advisory role, he is involved in occasional land purchase and resale activities and operates a real estate investment LLC within a self-directed IRA. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and wrap programs through a large network of advisors, utilizing Envestnet’s platform and third-party UMA model managers.

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.

Ethan Choi is a financial advisor with Carson Wealth holding a Series 65 credential and one year of industry experience. His prior roles include positions at Twin Pines Wealth Management and Dean Roland Russell, LLC. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, retirement plan services, and utilizes an Investment Committee to manage model portfolios and provide tailored investment solutions.

Julia Robichaud is a financial advisor at Schwab Wealth Advisory with five years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at MFS Investment Management and Next Generation Children's Center. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

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.

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.

Dan Chang is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience, including over 14 years at Transamerica Financial Advisors and 25 years with Wfgia. Outside of his advisory role, he is a 50% owner and broker at Ponderosa Realty. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm utilizes a model portfolio and third-party manager approach, delivering services through multiple platforms such as Transamerica ONE and TFA365.

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.

Jiajie Yuan is a financial advisor at Transamerica Financial Advisors with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Faraday Future and Toyota Motor North America. Yuan is also involved in ownership of a rental property. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services with a variety of proprietary and third-party investment programs, managing over $2 billion in assets across discretionary and non-discretionary accounts.