Cynthia Hartman is a financial advisor at Allworth Financial, L.P. with eight years of industry experience. She has worked at Allworth Financial since 2020 and also serves as a flight attendant for Southwest Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and incorporates technology to manage held-away employer retirement accounts.

Emily Hicks is a CFP® with four years of industry experience, currently affiliated with Principal Financial Services. She has worked at Principal Securities Inc. since 2021 and previously held positions at Principal Life Insurance Co. and Marco Rodriguez. Her background also includes a role in campus recreation at UC Irvine. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Matthew Natoli is a CFP® professional with 14 years of experience in the financial services industry. He is the founder and owner of Natoli Wealth Management, where he has worked since 2020, and previously spent eight years with J.P. Morgan Securities. Natoli operates out of Roseville, CA, and holds the Series 63 designation. He is affiliated with Commonwealth Financial Network, a registered investment adviser that supports a national network of approximately 2,950 advisors. Commonwealth provides a comprehensive platform offering advisory programs, investment management, and practice-management support, enabling advisors to deliver customized portfolio solutions to retail and institutional clients.

Cameron Lagala is a financial advisor with Eagle Strategies (NY Life) based in Roseville, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. His work history includes roles at Caduceus Financial & Insurance Services and J. Lens Financial & Insurance Services, alongside his ongoing affiliation with Eagle Strategies and New York Life. Additionally, he is involved in real estate consulting focused on property development and entitlement processes aimed at resale. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services through a broad network of affiliated advisers. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis, with a notable focus on retirement investors and plan sponsors within an integrated New York Life affiliate structure.

Richard Silva is a financial advisor with Valic Financial Advisors in Elk Grove, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked at Sunamerica Capital Services, Inc. since 2014 and AXA Advisors, LLC since 2009. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Meredith Mussano is a financial advisor at Hightower Advisors with a Series 66 designation and two years of industry experience. She previously worked at Merrill and Wells Fargo and is currently the successor trustee of a family living trust. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals and institutions, offering portfolio management, financial planning, and retirement consulting through a multi-manager investment approach.

Christopher Boudreaux is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 credential and previously worked at Sutter Health and Adero Partners. Focus Partners Wealth serves a diverse range of clients including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis, third-party managers, and various alternative strategies, supported by an extensive network of affiliated service companies and product relationships.

Bradley Dehaven is a financial advisor with Centaurus Financial, Inc. in Fair Oaks, CA, holding a Series 63 license and bringing 37 years of industry experience. Prior to joining Centaurus in 2017, he worked at Allstate Insurance Co and has operated DeHaven & Associates Inc since 2006. Outside of advisory work, he is active as an author and public speaker on prescription drug abuse, serves as Chapter President of the American Financial Education Alliance in his local area, and acts as a Trust Protector for a Charitable Remainder Trust. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations, offering financial planning, portfolio management, and retirement-plan consulting through various platforms. The firm utilizes both discretionary and non-discretionary arrangements and employs a combination of fundamental, technical, bottom-up, and top-down investment analyses.

Richard Del Monte is a CFP® with over 33 years of experience in the financial industry. He is currently with Allworth Financial, L.P. and has held leadership roles in various business ventures including Del Monte Group and Wymac Capital Inc. Outside of his advisory work, he serves as a board member for the John Muir Health Foundation and holds volunteer positions with the Church of Jesus Christ of Latter-day Saints and the Bryan Ranch Homeowners Association. Allworth Financial is a fee-based SEC-registered adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs a range of investment strategies including core-satellite and defined-outcome ETFs, using proprietary technology and third-party sub-advisers to manage customized portfolios.

David Frings is a Series 66-credentialed financial advisor with 13 years of industry experience. He is currently affiliated with Ameritas Advisory Services, LLC and also has roles at Harvest Wealth Group and Vas Dias Ca. His prior experience includes positions at OneDigital Investment Advisors, Fidelity Personal and Workplace Advisors, Bank of America, Merrill, and Fidelity Brokerage Services. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers discretionary and non-discretionary programs, utilizing both in-house model portfolios and third-party managers, and integrates with Ameritas affiliates to deliver a broad array of financial solutions.

Robert Gentry is a CFA® charterholder and holds a Series 65 license, with 28 years of experience in the financial industry. He is currently with Allworth Financial, L.P. and has been a partner and trustee at Stewart and Patten Co., LLC since 1997. Allworth Financial is a fee-based SEC-registered adviser that serves individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a range of model strategies and employs both discretionary and non-discretionary investment approaches.

Lisa Yost is a financial advisor with Independent Financial Group, LLC, bringing 37 years of industry experience. She has worked with Independent Financial Group since 2016 and previously spent 17 years at Foothill Securities, Inc. Yost also operates Yost Financial Services, where she holds a California insurance license. In addition to her advisory work, she serves as co-trustee and co-executor for the estate of Isabel Story, a family friend, managing complex estate and trust matters. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through a national network of Investment Adviser Representatives, utilizing multiple platforms and third-party asset managers to provide discretionary and non-discretionary portfolio management.

Adam Besana is a financial advisor at Guardian Life with the ChFC® designation and five years of industry experience. He has worked at Northwestern Mutual in various capacities from 2019 to 2026 and has been with Park Avenue Securities since 2026. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser specializing in services for individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs and financial planning solutions, including discretionary and non-discretionary portfolio management.

Michael Mulvany is a financial advisor at PlanMember Securities Corporation with 30 years of industry experience. He holds the Series 63 designation and has been with PlanMember since 2010. Outside of his advisor role, he operates M2 Financial Group as a sole proprietor, offering life, disability, and health insurance services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, offering education and support services including seminars and personalized retirement planning.

Umang Patel is a ChFC® and Series 66-licensed advisor with 10 years of industry experience. He is currently affiliated with Primerica Advisors and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2016. Outside of his advisory role, he volunteers as a lead instructor for basic financial literacy workshops for middle and high school students through the MAAP program. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services with a range of proprietary and third-party investment programs.

David Siegel is a financial advisor with Private Advisor Group, LLC in Sacramento, CA, holding a Series 63 credential and over 46 years of industry experience. He previously worked with LPL Financial and Mariner Independent Advisor Network, LLC, each for 17 years. Private Advisor Group serves a diverse client base including individuals, business entities, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting through various advisory programs, third-party asset managers, and a firm-managed separately managed account program.

Jennifer Kachmar is a CFP® professional with 19 years of industry experience, currently serving at Schwab Wealth Advisory Inc. since 2025. Her prior experience includes roles at Mercer Global Advisors Inc. and Ameriprise Financial Services, Inc. She holds Series 63 and Series 66 licenses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., delivering advice without discretionary trading authority and serving individual clients through a cost-and-expense plus arrangement.

Douglas Balmain Jr. is a financial advisor with Allworth Financial, L.P., holding 12 years of industry experience. He has been with Allworth Financial since 2020 and has also worked with RAA since 2013. Outside of his advisory role, Balmain is a partner in a non-investment-related business and works as a pilot for American Airlines. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio solutions using a variety of strategies, including model-based allocations and options-based overlays, and manages both discretionary and non-discretionary engagements.

Frank Avila is a financial advisor with Eagle Strategies (NY Life) in Elk Grove, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Edward Jones and Wells Fargo affiliates. Avila is also the owner of A.V. Strategic Wealth Partners, a financial services firm. 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 offers multiple program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis.

Mitchell Fix is a financial advisor with Allworth Financial, L.P. in Sacramento, CA, holding seven years of industry experience. Prior to joining Allworth Financial in 2020, he has worked as a pilot for Delta Air Lines for over 30 years. His role as a pilot is a notable outside activity unrelated to his advisory duties. Allworth Financial is an SEC-registered, fee-based advisory firm serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of strategies, including model allocations and options-based overlays, and operates an Airline division focused on airline industry employees.