Giesella Earley is a financial advisor with Citigroup Global Markets and holds Series 63 and Series 66 designations. She has 14 years of industry experience and has been with Citigroup since 2010. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities including in-house research and specialized market roles.

Tsanshiau Lin is a financial advisor with Independent Financial Group, LLC, holding a Series 66 credential and 28 years of industry experience. Prior to joining IFG in 2015, Lin worked at firms including VOYA Financial Advisors, Banc of America Investment Services, Equitable Advisors, Citicorp Investment Services, UBS International, and Merrill. Lin is also a licensed California insurance agent offering various types of insurance products outside of IFG. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm delivers financial planning and portfolio management utilizing both firm and third-party models, with an investment approach combining strategic asset allocation, multi-manager portfolios, and active and passive exposures tailored to client risk profiles.

Heather Blake is a financial advisor with OSAIC Institutions, INC., holding a Series 66 credential and seven years of industry experience. She has worked at Infinex Investments, Inc. since 2022, and previously held roles at Financial Partners Wealth Management and LPL Financial starting in 2016. She also serves as trustee and executor for the estate of Phyllis A Knapp. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions, operating a hybrid adviser/broker-dealer model.

Milos Vrzic is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and three years of industry experience. He previously worked at Signature Resources Capital Management for six years. Vrzic is a co-owner of Tranquility Wealth Management, LLC, a private entity focused on securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that serves a national network of approximately 2,900 affiliated advisors and manages roughly $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs and access to third-party asset managers, supporting a wide range of investment options and consulting services.

Joel Gritten is a financial advisor with Planmember Securities Corporation based in Yorba Linda, CA. He holds the CFP® designation and has 38 years of industry experience. In addition to his advisory work, he has been involved with Trader Joe’s since 2003 in a non-investment capacity. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs 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.

Karl Kim is a CFP® with 38 years of industry experience, currently serving at Integrity Alliance, LLC since 2020. He previously worked at Triad Advisors, Inc. for 14 years and has been involved with Retirement Planning Advisors, Inc. since 2002. Outside of advisory work, Kim owns a Medi-Cal eligibility service business and serves on the board of Keiro Kikyo Home, a care facility. Integrity Alliance supports a diverse client base including individuals, charitable organizations, corporations, and retirement plans through 164 independent advisers. The firm offers comprehensive asset management, financial planning, and retirement consulting, utilizing both advisor-managed and model-based portfolio strategies across various investment vehicles and platforms.

Ruben Gonzalez is a financial advisor at Transamerica Retirement Advisors, LLC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Transamerica Investors Securities Corporation and TransAmerica Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm’s approach utilizes proprietary software and portfolio oversight from Morningstar Investment Management to provide tailored asset allocation and retirement guidance across a large client base.

Hannah Sullivan is a CFP® professional with seven years of experience in financial planning and advisory roles. She is currently with J.W. Cole Advisors, Inc., where she has worked since 2022, following prior experience at Lincoln Financial Advisors. Outside of her advisory work, Sullivan serves as Secretary for Orange Blossoms, an auxiliary group that raises funds for women and children in need, and is a board member of the Community Foundation of Orange, a nonprofit focused on local charitable initiatives. J.W. Cole Advisors operates a large network of independent advisors offering fee-based portfolio management, financial planning, and retirement plan services to individuals, high-net-worth clients, and institutions. The firm employs a range of discretionary and non-discretionary management strategies and provides access to multiple investment platforms and third-party managers.

Chih Tao Ma is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 26 years of industry experience. His prior work includes roles at Cetera, Cathay Bank, U.S. Bancorp Advisors, Bancwest Investment Services, Citicorp Investment Services, and LPL Financial. He is also a California-licensed insurance agent offering insurance sales and services outside of his advisory role. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning, portfolio management, and retirement plan services using a mix of firm- and third-party models, combining passive and active investment strategies across various risk profiles.

Kamron Nahavandi is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. His prior roles include positions at MassMutual, The Prudential Insurance Company of America, and Fit Strategic Advisors LLC. He is also involved with FIT Planning Group, offering fixed and indexed insurance products. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation approaches and operates alongside its broker-dealer and insurance businesses, offering clients access to a wide range of proprietary and third-party investment programs.

Frank Messano III is a financial advisor at Private Advisor Group, LLC with 19 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at LPL Financial LLC, Strategic Wealth Advisors Group, and First Financial Equity Corporation. Outside of his advisory role, he operated the 3D Studio Gallery for 16 years. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering both discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm utilizes a fiduciary-based advisory model and combines various investment strategies through both in-house portfolio management and third-party managers.

Kathleen Zwickl is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with 14 years of industry experience. She holds a Series 66 credential and has been with Centaurus since 2015. In addition to her advisory role, Kathleen provides life and legacy coaching focused on helping individuals and families uncover their gifts and preserve wealth across generations. Centaurus Financial, Inc. delivers advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements.

Osvaldo Cisneros is a financial advisor at Centaurus Financial, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial since 2020, with prior roles at Pruco Securities LLC and the University of California, Irvine. Outside of his advisory work, he owns an online blog called Socratic Speech and a related podcast named I Think, Therefore I Pod. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary investment arrangements with varied analytical approaches.

John Nguyen is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with several firms, including FIT Strategic Advisors LLC and Crown Capital Securities, L.P. Outside of his advisory role, Nguyen serves as president and CEO of J & N Partnership Financial, focusing on life insurance and tax planning, and is a board member of the nonprofit Youth Leadership American. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients using a variety of managed programs, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers with both discretionary and non-discretionary account structures.

Regina Frias is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Vanderbilt Financial Group and Prosperity Builders, Inc. In addition to her advisory role, she serves as a marketing representative for a legal services network focused on educating clients about living trusts and advanced estate planning. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management, and retirement-plan consulting through a variety of discretionary and non-discretionary arrangements utilizing both fundamental and technical analysis.

Jerome Duhovic is a financial advisor with Centaurus Financial, Inc. and Pacific Point Securities, LLC, holding a Series 63 credential and 32 years of industry experience. He also works as a marketing and training consultant for non-investment-related firms. Centaurus Financial serves a wide range of clients, offering advisory and brokerage services with a mix of discretionary and non-discretionary portfolio management, employing various analytical approaches and providing specialized financial planning and retirement consulting.

David Salgado is a financial advisor with Eagle Strategies (NY Life) based in West Covina, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. His career includes roles at Elevate Legacies Wealth & Insurance Solutions and NYLIFE Securities LLC. Outside of his advisory work, he is appointed as an insurance broker for non-registered insurance products with outside carriers. Eagle Strategies serves a broad client base including individuals, defined contribution and benefit plans, and corporate and charitable clients. The firm offers financial planning, investment management, and retirement-plan advisory services, with a focus on tailored recommendations and a predominance of non-discretionary asset management.

Connie Jensen is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also involved with GNEST Corporation, where she serves as vice president. Additionally, Jensen has experience with companies such as Inheritguard, LLC and Elite Exclusive Escrow, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, trusts, estates, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios and provides a range of program options, including discretionary management and commission-based products.

Mingming Guo is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 credentials. Guo has prior experience working at Korn Ferry U.S. and OpenHill AI LLC. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party model portfolios. The firm operates as both a registered broker-dealer and registered investment adviser, providing fee-based and commission-based products with a range of discretionary and non-discretionary program options.

Michael Mullen Jr. is a financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He holds a Series 66 designation and previously worked for SEI Investments Management Corp and SEI Investments Distribution Company for ten years. Mullen is involved with SPIVAK FINANCIAL GROUP, a non-investment-related business used for branding purposes. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a blend of fundamental and technical analyses and both discretionary and non-discretionary arrangements.