Charlie Lowenberg is a financial advisor at Integrated Wealth Concepts LLC with one year of experience. He has worked at Soren McAdam LLP since 2002. 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, using customized portfolios with mutual funds, ETFs, equities, and fixed income, and employs a primarily long-term investment approach.

Jack Knight is a financial advisor with Eagle Strategies (NY Life) based in San Bernardino, CA, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience, including over 28 years with Eagle Strategies and extensive tenure at New York Life Insurance Company and Nylife Securities LLC. Outside of advising, he owns a website serving military veterans to help them connect, and he serves on the board of a homeowners association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base including individuals, institutional sponsors, and corporate clients. The firm offers multiple program types and emphasizes tailoring advice to client objectives, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Sears is a financial advisor with AE Wealth Management, LLC, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. He has worked with firms including Global Financial Private Capital and currently leads Sears Wealth Management & Insurance Solutions. Sears is also the author of the book *Retire With Simplicity & Clarity: 10 Mindset Shifts Nurses Should Understand to Feel Confident About Their Financial Future*, which targets nurses approaching retirement. Additionally, he serves as a member and CEO of Clarity Tax Partners, LLC, providing tax strategies and planning services. AE Wealth Management delivers fee-based portfolio management, financial planning, and retirement plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies while supporting third-party RIAs through sub-advisory and model-licensing programs.

Ryan Mayer is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. In addition to his advisory role since 2014, he is involved with Shared Insurance Solutions, where he sells and services health, life, and annuity insurance products. Voya Financial Advisors serves a diverse client base including individuals, institutional clients, retirement plan sponsors, and high-net-worth individuals. The firm offers a variety of financial services such as financial planning, portfolio management, wrap programs, and plan-sponsor consulting, frequently providing non-discretionary advice through multiple program structures.

Kirsten Baron is a financial advisor with Transamerica Financial Advisors in Rancho Cucamonga, CA, holding Series 63 and Series 65 licenses. She has two years of industry experience and is involved with the Black Excellence Leadership Council as a council member. Baron also participates in estate planning services through Inheritguard, LLC, and holds a CFO position at Barons Enterprises International, Inc. 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, utilizing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Lester Baron is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has held roles with multiple organizations, including WealthWave, Baron's Enterprises International, and the Heartland Institute of Financial Education, where he serves as a Certified Financial Educator. Baron is also involved in leadership and community roles such as mentoring with the Black Excellence Leadership Council and serving as Public Relations Officer for the Dominica Livestock Cooperative. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers, offering multiple program platforms and integrated retirement plan solutions.

Kristina Bell Taylor is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Voya Financial Advisors since 2014. Outside of her advisory role, she owns a franchise cleaning business and works as an independent agent selling fixed insurance products. Voya Financial Advisors serves a diverse client base including individuals, institutions, retirement plan sponsors, and high-net-worth clients. The firm offers financial planning, portfolio management, third-party money manager access, and plan-sponsor consulting through various program structures, primarily providing non-discretionary, recommendation-based advice.

Darlene Pachot is a financial advisor with Voya Financial Advisors, Inc. in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Voya since 2014 and has worked at UCLA in another capacity since 1999. Outside of her advisory role, Pachot is active as a visiting preacher involved in public speaking. Voya Financial Advisors serves a diverse client base including individuals, institutions, and retirement plan sponsors, offering financial planning, portfolio management, and consulting through various program structures. The firm provides predominantly non-discretionary advice and operates as both an SEC-registered investment adviser and broker-dealer.

Bob Tan is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Voya in various capacities since 2014. Outside of his advisory role, Tan is licensed as an independent insurance agent. Voya Financial Advisors, Inc. serves a diverse clientele including individual and institutional clients, offering services such as financial planning, portfolio management, and plan-sponsor consulting through multiple program structures that emphasize recommendation-based advice over discretionary management.

Seth Morris is a financial advisor with AE Wealth Management, LLC, holding a Series 65 license and six years of industry experience. He is also an officer and 25% owner of Clarity Tax Partners, LLC, where he focuses on tax strategies and planning. His prior work includes roles at Larry H. Miller and Sears Wealth Management & Insurance Solutions. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individual households, corporations, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs and supports third-party RIAs through sub-advisory and model-licensing services.

Josiah Campbell is a financial advisor with Transamerica Financial Advisors in Rancho Cucamonga, CA, holding Series 63 and Series 65 licenses and two years of industry experience. He is involved with Intertwined Solutions, Inc., promoting financial literacy through partnerships with banks, schools, and non-profits, and provides client education and support on estate planning through InheritGuard, LLC. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party model portfolios.

Violeta Mendez is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Voya since 2016. In addition to her advisory role, she operates as an independent insurance agent specializing in the sale of fixed insurance products. Voya Financial Advisors, Inc. serves a diverse client base, including individuals, institutions, retirement plan sponsors, and charitable organizations, offering services such as financial planning, portfolio management, and plan-sponsor consulting. The firm provides advice primarily through non-discretionary, recommendation-based programs alongside various wrap and third-party money manager offerings.

Sean Muhlstein is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Voya Financial Advisors, Inc. since 2015. He has also operated under the name Sean David since 2012. Outside of his financial advisory work, Muhlstein writes and self-publishes short stories and essays on Amazon Kindle and serves as a community educator through the Opera League of Los Angeles, where he presents lectures incorporating audio and video content. Voya Financial Advisors, Inc. serves individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers financial planning, portfolio management, and access to third-party money managers through multiple program structures, primarily providing non-discretionary, recommendation-based advice.

Chase Morris is a financial advisor at AE Wealth Management, LLC with four years of industry experience. He holds a Series 65 designation and also practices law as a solo attorney. Morris is involved in tax strategy and planning through his role as an officer and partial owner of Clarity Tax Partners, LLC, and he also manages insurance services with Sears Wealth Management & Insurance Solutions. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs supported by fundamental, technical, and cyclical investment analysis.

Stephen Short is a financial advisor with Transamerica Financial Advisors in Rancho Cucamonga, CA, holding Series 65 and Series 63 licenses and having six years of industry experience. He has worked with multiple firms, including Barons Enterprise International Inc and DebtMerica, and is involved in sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to corporations and offers both advisory and broker-dealer services, including fee-based wrap programs, model portfolios, and access to third-party money managers. The firm provides discretionary and non-discretionary investment programs and operates as both a registered broker-dealer and registered investment adviser.

Paul Sprague is a financial advisor with Voya Financial Advisors, Inc. in Redlands, CA, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Voya since 2014. Outside of his advisory role, Paul assists his domestic partner with an antiques and estate jewelry business, helping at shows and managing a store location in Palm Springs. Voya Financial Advisors, Inc. serves a diverse client base including individuals, retirement plan sponsors, charitable organizations, corporations, and high-net-worth clients. The firm offers a range of services such as financial planning, portfolio management, and plan-sponsor consulting, delivering advice primarily through non-discretionary programs and a variety of managed account and brokerage offerings.

James Riner is a financial advisor at Centaurus Financial, Inc. with 46 years of industry experience. He holds the Series 63 designation and has worked at Centaurus Financial in two separate periods totaling 10 years, as well as three years at Crown Capital Securities, LP. He is also the owner of James Riner & Associates, a non-investment related business used for branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements with a variety of analytical approaches.

Timothy Merwin is a CFP® with eight years of industry experience, currently advising at Voya Financial Advisors, Inc. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he serves as a soccer referee for children's games on weekends. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, retirement plan sponsors, and high-net-worth clients, offering financial planning, portfolio management, and plan-sponsor consulting through a variety of program structures.

David Hilton is a financial advisor with Voya Financial Advisors, Inc. He holds a Series 66 designation and has 38 years of industry experience, including 12 years with Voya. Outside of his advisory role, he works as a certified scuba diving tour guide at the Aquarium of the Pacific. Voya Financial Advisors, Inc. serves a broad mix of individual and institutional clients, providing financial planning, portfolio management, and plan-sponsor consulting through multiple program structures, including non-discretionary advisory relationships and third-party money manager access.

Joe Marini is a financial advisor with Voya Financial Advisors, Inc. He holds the Series 63 and Series 65 designations and has 26 years of industry experience. Marini has been with Voya Financial Advisors since 2015 and also works with Voya Retirement Advisors. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional clients, offering financial planning, portfolio management, and plan-sponsor consulting through various program structures with an emphasis on non-discretionary recommendations.