Ryan Caldwell is a CFP® professional with 17 years of experience in the financial services industry. He has worked at EP Wealth Advisors, LLC since 2024 and previously spent 16 years at R.E. Wacker Associates, Inc. He is based in San Luis Obispo, CA. EP Wealth Advisors, LLC is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation.

Chase Payne is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and bringing nine years of industry experience. He previously worked at Wells Fargo Clearing, Golden State Wealth Management, LLC, and LPL Financial. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, providing both discretionary and non-discretionary strategies that include exposure to alternative and digital-asset products.

Linda Ginder is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at EP Wealth Advisors since 2018. Prior to this, she worked at SFMG Wealth Advisors from 2013 to 2018. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation, employing a suitability-driven process and a range of investment options including mutual funds, ETFs, equities, fixed income, and alternatives.

Michael Kruse is a CFP® professional with experience spanning multiple firms including Aspiriant, Hightower, and Transcend Wealth. He has worked in the financial advisory field since at least 2014 and joined Sequoia Financial Group, L.L.C. in 2025. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base, including high-net-worth individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.

Nathan Larsen is a CFA® charterholder currently with EP Wealth Advisors. He has eight years of prior experience at Executive Wealth Management before joining EP Wealth Advisors in 2025. EP Wealth Advisors, LLC is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation, employing a suitability-driven process to develop and monitor customized portfolios.

Joseph Palumbo is a financial advisor at EP Wealth Advisors with 12 years of industry experience. He holds a Series 66 designation and has previously worked at City National Bank, RBC Capital Markets, and Wells Fargo Advisors. Outside of his advisory role, he serves as an officer and board member for Kristin's Fund, a domestic violence awareness organization. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management and financial planning through a suitability-driven process, incorporating mutual funds, ETFs, equities, fixed income, and alternative investments when appropriate.

James Fitzpatrick is a financial advisor at EP Wealth Advisors with 35 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 65 licenses. His prior roles include positions at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans with customized wealth management and discretionary portfolio management services. The firm employs a variety of investment strategies including fundamental, technical, and cyclical analysis, and offers ancillary services such as tax preparation and estate-document preparation for qualified clients.

Julia Donnelly is a financial advisor at Empower Advisory Group with two years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Wells Fargo and Comprehensive Advisor LLC. Her background also includes roles outside finance, such as media work at Media Play News and teaching at Tri-City Christian High School. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to certain retail brokerage clients. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing in its planning services.

Harlan Flint is a financial advisor at EP Wealth Advisors with 16 years of industry experience. He holds Series 63 and Series 66 designations and previously worked for Longview Asset Management LLC for 13 years. Flint is the sole owner and president of Sightline Ltd., a corporation unrelated to investment that holds an interest in Longview Asset Management. EP Wealth Advisors serves individuals, corporate clients, and retirement plans by providing wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document support. The firm uses customized model portfolios with fundamental, technical, and cyclical analysis, and offers access to alternative investments and third-party managers.

Teresa Velgara is a CFP® and holds a Series 65 license with 10 years of industry experience. She is currently with EP Wealth Advisors and has previously worked at Rappaport Reiches Capital Management, AT Investment Advisers Inc., and Geneva Advisors. EP Wealth Advisors, LLC is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven approach to portfolio management and offers financial planning, retirement plan advisory, tax preparation, and estate-document facilitation services.

David Tate is a ChFC® credentialed financial advisor with 23 years of industry experience, currently with EP Wealth Advisors since 2020. Prior to joining EP Wealth, he worked at Financial Insight Center and The Insight Group Insurance Agency from 2011 to 2020. Outside of his advisory role, he is involved as a health coach with Optiva, working with clients to motivate healthy living. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm provides discretionary portfolio management and financial planning, employing a suitability-driven approach that includes the use of mutual funds, ETFs, equities, fixed income, and alternative investments.

Donald Peebles Jr. is a Series 65-licensed advisor at EP Wealth Advisors with over a decade of industry experience. He previously worked at CornerCap Investment Counsel from 2012 to 2024 before joining EP Wealth Advisors in 2024. EP Wealth Advisors, LLC is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation, employing a suitability-driven process that includes the use of mutual funds, ETFs, equities, fixed income, and alternative investments.

Abel Kan is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and previously held roles at Health Net Insurance Company and Debtmerica, LLC. Kan is also 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 employs a model portfolio approach with third-party managers and digital platforms, managing regulatory assets of about $1.7 billion.

Keaton Leslie is a CFP®-certified financial advisor with four years of industry experience, currently practicing at EP Wealth Advisors. Before joining EP Wealth Advisors in 2025, he held positions at several firms including Infinitas and Raymond James Financial. Leslie is also the owner and founder of KJL Talent Solutions, a recruiting firm he operates outside of his advisory role. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven investment process and offers a range of services including discretionary portfolio management, financial planning, retirement plan advisory, tax preparation, and estate-document facilitation.

Jasmine Bair is a financial advisor at EP Wealth Advisors with one year of industry experience. She holds a Series 65 credential and previously worked at LongView Asset Management and the USDA Forest Service. Outside of her advisory role, she owns a financial literacy education business that offers free and low-cost online workshops on budgeting, spending, and debt repayment. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning, utilizing customized model portfolios and a range of investment strategies that include fundamental, technical, and cyclical analysis.

Orlino David is a financial advisor at Transamerica Financial Advisors with Series 65 and Series 63 licenses and one year of industry experience. He has a long career with Torrance Unified School District, where he manages accounting and financial services, and served in the United States Marine Corps for 29 years. He is also involved with Inheritguard, LLC, providing estate planning education and client communications. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with access to proprietary and third-party model portfolios.

Mark Maxson is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. Prior to joining Citigroup in 2016, he worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc. from 2010 to 2016. Outside of his advisory role, he is a member of PETALANDPALATE LLC, a wholesale flower brokerage business co-owned with his wife. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm is notable for its large institutional scale, in-house research capabilities, and unique market roles including swap dealer and futures commission merchant activities.

Kelly Owens is a CFP® professional with 11 years of industry experience, currently serving as an advisor at EP Wealth Advisors. Prior to joining EP Wealth Advisors in 2025, Owens spent 11 years at Alphamark Advisors LLC. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven process to manage portfolios using a range of investment vehicles and offers additional services such as tax preparation and estate-document facilitation.

Michael Goddard is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Integrated Wealth Concepts LLC since 2025. His prior experience includes roles at OneDigital Investment Advisors LLC, Independent Financial Partners, LPL Financial, and Triad Advisors. He is the founder and CEO of C-Suite Connector, a web-based executive networking group. Integrated Wealth Concepts LLC serves individuals, families, high-net-worth clients, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm provides discretionary investment management, financial planning, family office, and retirement plan advisory services, offering customized portfolios primarily using mutual funds, ETFs, equities, and fixed income with a long-term investment approach complemented by shorter-term rebalancing.

Brian Parker is a CFP® professional with 27 years of experience in financial advising. He has been with EP Wealth Advisors since 2005. Parker serves on the finance committee of the Beach Cities Health District and is a board member of the Hermosa Beach Education Foundation. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven approach to portfolio management and offers financial planning, retirement plan advisory, and ancillary services including tax preparation and estate-document facilitation.