Gary Madvin is an investment advisor with Kestra Advisory, holding the ChFC® and Series 63 designations and bringing 52 years of industry experience. He has held positions at multiple firms, including Kestra Investment Services and Financial Network Investment Corporation. Outside of advisory work, he is an author and co-wrote a published book with his cousin. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, and advisor-managed accounts, serving clients that include large institutional investors and sovereign wealth funds.

Ryan Ramos is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Cetera ADVISORS, Pierson Wealth Management, and Western International Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Hanna Horenstein is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been affiliated with Transamerica since 2012 and has held multiple roles in related financial, real estate, and consulting businesses. Horenstein is also the author of *The Virtuity Edge: A Compilation of Success*. Transamerica Financial Advisors serves a wide range of clients, including individual investors and institutional entities, offering advisory and broker-dealer services with both proprietary and third-party investment models. The firm operates as both a registered investment adviser and broker-dealer, providing discretionary and non-discretionary portfolio management options.

Nicolas Bazarevitsch is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Valic Financial Advisors since 2013 and also holds a position as an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants, offering managed-account programs, financial planning, and brokerage services through its broker-dealer operations.

Arleta Hacopian is a Series 66 licensed financial advisor with seven years of industry experience, currently affiliated with Commonwealth Financial Network. She has been with Advisory Group West since 2003. 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 about $212.7 billion in client assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Raquel Alegria is a Series 66-licensed financial advisor with GWN Securities Inc. in Pasadena, CA, bringing one year of industry experience. She has held roles at GWN Securities and contributed as a freelance writer for UltiWorld, covering Ultimate Frisbee. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs, employing a mix of affiliated and unaffiliated sub-advisers and model-based allocations grounded in asset allocation and Modern Portfolio Theory. The firm is notable for its use of market-timing and momentum-based strategies within several legacy programs.

Rafiq Wiley is a financial advisor with Osaic Institutions, Inc. holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Infinex Investments, Mass Mutual Investors Services, and Planmember Securities Corporation. Outside of advisory work, he is involved in insurance sales through multiple agencies. Osaic Institutions, Inc. serves a diverse client base including individuals, ERISA plans, and corporate clients by providing customized advisory services, financial planning, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model, supporting investment adviser representatives with firm supervision while allowing clients to maintain control over their accounts.

David Cox is a financial advisor at Integrated Wealth Concepts LLC with one year of experience at the firm and a background as a partner at Duffy Kruspodin LLP, a CPA firm where he has worked since 2012. His professional credentials include both financial advisory and accounting expertise. Integrated Wealth Concepts LLC 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, and family office services, employing customized portfolios with a long-term investment approach and oversight of third-party asset managers.

Julian Driver is a financial professional at VALIC Financial Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mission Wealth Management and New York Life Insurance Company. Outside of his main role, he is involved with financial planning and insurance activities through LA Pension Planners and LA Wealth Partners. VALIC Financial Advisors primarily serves 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 consulting services through a large network of advisors and utilizes discretionary unified managed accounts with tax-aware and ESG overlay options.

Andrea Rhinehart is a financial advisor at Focus Partners Wealth, LLC with 18 years of industry experience. She holds a Series 65 credential and previously worked for 22 years at Churchill Management Group. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Richard Maholchic is a ChFC® credentialed financial advisor with 32 years of industry experience. He is affiliated with TLG Advisors, Inc. and has held roles at Pacific Southwest Financial, The Leaders Group, Inc., Lincoln Investment Planning, and Capitas Distributors, Inc. In addition to his advisory work, Maholchic consults for law firms on insurance matters and facilitates life settlement situations on a reactive basis. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory services, financial and estate planning, and ERISA fiduciary services with a portfolio construction approach based on fundamental analysis and Modern Portfolio Theory.

Destiny Collins is a financial advisor with Mercer Global Advisors Inc. in Woodland Hills, CA, holding Series 63 and Series 65 credentials and three years of industry experience. Her work history includes roles at Mercer Global Advisors, LA City United, Legends FC, Fed Ex Ground, MWA Financial Services Inc, Modern Woodmen of America, and Cal State University, San Bernardino. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based approach, emphasizing globally diversified, risk-appropriate portfolios through a variety of investment vehicles and offers educational content and specialized services.

Elizabeth Reilly is a financial advisor at TLG Advisors, Inc. with 29 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior firms include Ameriprise, Horace Mann, Ameritas, and Waddell & Reed. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and ongoing monitoring using fundamental analysis and Modern Portfolio Theory to build diversified portfolios, offering both traditional advisory services and a direct-to-consumer digital program called Starlight Portfolios.

Kevin Yardumian is a financial advisor at GWN Securities Inc. with one year of industry experience. He holds the Series 66 designation and has previously worked with American Campus Communities and the University of California, Irvine. GWN Securities offers investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning solutions. The firm employs a mix of affiliated and unaffiliated sub-advisers, utilizing asset allocation and Modern Portfolio Theory, and is known for incorporating market-timing and momentum-based strategies in its legacy programs.

Yeznik Kazanjian is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with in-house research and specialized market roles.

Lonna Weems is a financial advisor with Centaurus Financial, Inc. in North Hills, CA, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has been with Centaurus Financial since 2013. Outside of advising, she works as a yoga instructor in North Hills. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a range of discretionary and non-discretionary arrangements.

Saman Bigharaz is a financial advisor at Mercer Global Advisors Inc. with 13 years of industry experience. He holds a Series 66 designation and has held prior roles at Falcon Wealth Planning, E*TRADE Securities, JPMorgan Chase Bank, AMI USA LLC, and Merrill. Outside of his advisory work, he is involved with Pure Paws Pet Company, LLC, which imports grass-fed dog and cat treats from New Zealand. Mercer Global Advisors serves individuals, families, small business owners, foundations, and non-profits with comprehensive investment advisory and financial planning services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, using low-cost ETFs, index funds, and other strategies, and offers specialized services including retirement plan consulting and family office solutions.

Luke Chua is a financial advisor at GWN Securities Inc. with a Series 66 designation. He has been in the industry for approximately one year and has prior experience with Providian Assets Management LLC and Golden Arches Development Corporation. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm utilizes a combination of affiliated and unaffiliated sub-advisers and model-based allocations, employing market-timing and momentum-based strategies in certain legacy programs.

Ron Hertzberg is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 credentials and 23 years of industry experience. He previously worked at JP Morgan Securities and Merrill before joining Citigroup in 2017. Outside of his advisory role, he is the owner and CEO of RH15 Enterprises, LLC, a business involved in buying and selling sports memorabilia. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by extensive internal research and compliance structures.

Munir Tager is a financial advisor at Eagle Strategies (NY Life) with Series 63 and Series 65 credentials and two years of industry experience. Prior to his current role, he held positions at NYLIFE Securities LLC, New York Life Insurance Company, Starbucks, and Wendy's. He serves as a board member and secretary of LeTip International Inc., a professional leads organization for business owners and entrepreneurs. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base that includes individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm offers multiple program types tailored to client objectives, with a significant portion of assets managed on a non-discretionary basis.