Daniel Torres is a financial advisor with Eagle Strategies (NY Life) based in Brentwood, CA. He holds Series 65 and Series 63 licenses and has 16 years of industry experience. He has been affiliated with New York Life Insurance Company and its subsidiaries since 2009 and operates his own firm, Daniel P. Torres Financial & Insurance Services, which brokers non-registered insurance products. He also serves as president of the Edna Hill Middle School Parents Club board. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers tailored advice and solutions across multiple program types, managing a substantial portion of assets on a non-discretionary basis and working closely with institutional sponsors within an integrated New York Life affiliate structure.

Nicholas Hagan is a financial advisor with PNC Wealth Management in Stockton, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Bank of America, Merrill, Fidelity Investments, J.P. Morgan Securities, Wells Fargo Advisors, and CitiGroup. Outside of advisory work, he is involved in managing a non-investment-related condo rental business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessments and third-party managed strategies primarily employing mutual funds and ETFs.

Adam Moskowitz is a financial advisor with Transamerica Financial Advisors in Stockton, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. In addition to his advisory role, he serves as president of the Kiwanis Club of Stockton and is involved with several professional and community organizations, including the Silver Lake Chamber of Commerce and The Loudest Wavemakers, Inc. Transamerica Financial Advisors serves a diverse client base that includes individuals, high-net-worth clients, retirement plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services, providing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Steve Ruiz is a financial advisor with PlanMember Securities Corporation, holding 37 years of industry experience. He has been involved with the Envoy Program since 2000 and has operated under his own name since 1985. Outside of his advisory role, Ruiz is an agent selling fixed annuities and life insurance through his own business, Ruiz & Associates. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual-fund portfolios, offering education and support services including seminars and personalized retirement planning.

Charles Osivwemu is a financial advisor with Guardian Life in Brentwood, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with several firms, including New York Life, Eagle Strategies, MassMutual, and Park Avenue Securities. His outside business activities include insurance brokering with appointed outside carriers for non-registered products. Charles is affiliated with Park Avenue Wealth Management, a subsidiary of The Guardian Life Insurance Company of America that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and various investment advisory programs.

Samuel Oceguera is a financial advisor with Primerica Advisors, holding a Series 66 designation and 18 years of industry experience. His prior work includes 17 years at MML Investors Services and Mass Mutual Life Insurance, followed by roles at Park Avenue Securities and Guardian Life Insurance Company. He serves on the State Council of Developmental Disabilities-Regional Advisory Committee. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs and a range of financial planning and consulting solutions. The firm manages approximately $15 billion in regulatory assets and supports a variety of investment strategies through discretionary and non-discretionary accounts.

Edward Santos is a financial advisor with PlanMember Securities Corporation who holds a Series 63 designation and has 20 years of industry experience. He has worked with Northern California Planners and PlanMember Securities Corporation since 2006. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm’s investment approach is based on a top-down strategic asset allocation framework with risk-based mutual fund portfolios ranging from conservative to aggressive.

Jeff Berg is a financial advisor with Eagle Strategies (New York Life) based in Stockton, California. He holds a Series 66 designation and has 25 years of industry experience. Berg has worked with Eagle Strategies since 2009 and has been associated with New York Life entities since 2006. Outside of advising, he is involved in insurance brokering for non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and delivers advice through multiple program types, operating primarily on a non-discretionary asset management basis within an integrated New York Life affiliate structure.

Richard Cutler is a financial advisor with Transamerica Financial Advisors in Stockton, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His work history includes roles at Champion Health, Inc., WealthWave, American Gateway Mortgage & Realty, and World Financial Group, alongside his tenure at Transamerica Financial Advisors. Outside of traditional advisory work, he is involved in health insurance supplement sales and mortgage loan origination. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers for investment management and offers an integrated retirement plan ecosystem supported by multiple advisory platforms.

Rodney Rodriguez is a financial advisor with Citigroup Global Markets in Brentwood, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm uses multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with specialized market roles and commercial arrangements.

Chad Parilla is a financial advisor with TLG Advisors, Inc., holding Series 65 and Series 63 licenses and 19 years of industry experience. He previously worked at ICMA Retirement Corporation for 11 years and has held positions at Lincoln Financial and Simplicity Investments. Chad also serves as a retirement consultant, providing education on retirement plans. TLG Advisors serves a diverse client base, including individuals, high-net-worth clients, trusts, and institutional investors, offering investment supervisory services, portfolio management, and fiduciary services. The firm employs a manager selection process grounded in fundamental analysis and Modern Portfolio Theory, delivering diversified portfolios through a network of independent advisors and sub-advisors.

Richard Holmes is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has held roles at several other firms, including American Pacific Mortgage Corporation and WealthWave. Holmes is involved in several business ventures outside traditional advisory work, such as estate planning education with InheritGuard, LLC, and college loan reduction services through College Loan Freedom. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations. The firm provides a combination of advisory and broker-dealer services, offering proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Rajpreet Sangha is a financial advisor with Principal Financial Services in Tracy, CA, holding Series 63 and Series 65 licenses and 10 years of industry experience. His career includes roles at Wells Fargo Advisors, University of the Pacific, and ICMA Retirement Corporation before joining Principal in 2023. He also serves as a bank/trust officer at Principal Bank and Principal Trust Company, supporting retirement plan account relationships across multiple Principal divisions. 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 approach includes direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

David Benavides is a financial advisor at PNC Wealth Management with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Lowes, and Mutual of Omaha. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and third-party strategists to manage investments primarily via mutual funds and ETFs.

Max Paulsen is a financial advisor with Eagle Strategies (New York Life) based in Stockton, California. He holds Series 63 and Series 65 licenses and has four years of industry experience. Paulsen has worked at Eagle Strategies since 2025 and is also associated with Richard R. Paulsen Insurance Services. He founded the Good Guys Open Golf Tournament, an event aimed at community engagement through golf. Eagle Strategies serves a diverse client base including individual investors, defined contribution and benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services with an emphasis on tailored solutions, managing the majority of its assets on a non-discretionary basis.

Dale Hornberger is a financial advisor with Private Advisor Group, LLC and holds 13 years of industry experience. His work history includes roles at Mariner Independent Advisor Network, Douglas & Hornberger, LLP, LPL Financial, and Diablo Tax Professionals, Inc. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model utilizing both discretionary and non-discretionary services, and incorporates a mix of investment strategies and third-party managers.

Rudy Martinez is a financial advisor at Commonwealth Financial Network with 19 years of industry experience. He holds the CFP® designation and Series 66 license. His prior work includes roles at Wells Fargo Asset Management and Allspring Funds Distributor, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm offers a broad platform of managed-account programs, third-party asset manager access, and custodial services, serving individual and institutional clients with a variety of investment options.

John Maroulis is a ChFC® credentialed financial advisor with 27 years of industry experience, currently associated with Eagle Strategies (NY Life). He has worked with New York Life Insurance Co and NYLife Securities LLC since 2009 and operates his own firm, Blu Mati, Financial and Insurance Solutions, INC. Maroulis serves as a board member for a local condominium association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to a diverse client base, including individual investors and institutional sponsors. The firm emphasizes tailored advice delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Gregory Eissner is a CFP® with 33 years of industry experience, currently serving at Commonwealth Financial Network and Eissner Financial. His prior career includes founding Martin, Wardin, & Eissner Financial Group Inc., where he worked for over three decades. He is involved in fixed insurance sales and co-owns several private entities related to advisory and securities businesses. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers various advisory programs and services, including discretionary model portfolios and personalized indexing, while providing operational, compliance, and practice-management support to affiliated advisors.

Ryan Formanek is a financial advisor at Focus Partners Wealth, LLC with 14 years of industry experience. He holds a Series 65 designation and has worked at Churchill Management Group for 10 years prior to joining Focus Partners Wealth. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial and tax planning, retirement plan consulting, and access to private and registered pooled vehicles. The firm employs a long-term, tax- and fee-sensitive investment approach combining active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.