Maricela Ponce Zamalloa is a financial advisor at Principal Financial Services with 27 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Principal Securities Inc. and Principal Life Insurance since 2000. In addition to her advisory role, she serves as a bank officer to support and manage Principal retirement plan account relationships. 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 military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation often handled on a discretionary basis by TPMMs.

Adem Abate is a financial advisor at Corient in San Diego, CA, holding Series 63 and Series 65 licenses with five years of industry experience. His prior firms include UBS, Penserra Securities, JP Morgan Chase Bank, and AXA Advisors. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and utilizes risk management tools and stress testing to align portfolios with client objectives.

Brian Hebert is a CFP® and Series 65-licensed advisor with Corient, based in San Diego, CA, and has three years of industry experience. His prior work includes positions at Baker Tilly US, LLP and Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies and third-party managers, supported by continuous portfolio monitoring and risk management tools.

Cristina Michel is a financial advisor at Independent Financial Group, LLC with five years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial, LLC and Independent Capital Management (Sage Point Financial). Outside of finance, she has been involved with Gelato Paradiso and the Sherman Heights Community Center. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of firm- and third-party models to develop client strategies and offers a range of portfolio management services across various risk profiles.

Denise Ruiz is a financial advisor at Concurrent Investment Advisors, LLC with 26 years of industry experience. She holds a Series 63 designation and has previously worked at Raymond James Financial Services and Wells Fargo Clearing. Ruiz is also affiliated as a registered representative with Purshe Kaplan Sterling Investments, Inc. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, and supports its advisors with integrated operational tools and sub-advisory relationships.

James Buchanan is a financial advisor at PNC Wealth Management with nine years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior roles include positions at J.P. Morgan Securities, Fisher Investments Canada, Edward Jones, and Morgan Stanley. PNC Wealth Management offers retail brokerage and advisory services primarily through model-based programs, including an invitation-only digital discretionary model account that utilizes approved investment strategies executed via mutual funds and ETFs. The firm serves clients through algorithm-driven risk assessment and delegates portfolio implementation to third parties.

Dimitris Magemeneas is a financial advisor at Concurrent Investment Advisors, LLC with 19 years of industry experience. He holds a Series 66 designation and has worked at Edward Jones, Kingsview Asset Management, and the State of California. He is also the owner of Dimitris Petros Magemeneas Inc., an entity related to his advisory services. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement advisory services, employing customized, primarily long-term portfolios that include ETFs, mutual funds, and alternative investments.

Kendrick Uyeda is a Series 65-licensed financial advisor at Corient with 13 years of industry experience. He has worked at Corient and its affiliated entities since 2022 and previously spent 25 years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses risk management tools and stress testing to align portfolios with client objectives.

Benjamin Richey is a CFP® with 22 years of industry experience, currently affiliated with Eagle Strategies (NY Life) since 2014. He has worked with New York Life Insurance Company and Nylife Securities LLC since 2003. 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 a variety of advisory programs, emphasizing tailored recommendations and managing the majority of its assets on a non-discretionary basis.

John Wolff is a financial advisor with Eagle Strategies (NY Life) in Escondido, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes long-term service with Eagle Strategies and New York Life Insurance Company since 1997, alongside operating Lens Financial & Insurance Solutions. Outside of advisory work, he is the owner of Terebinth Ventures Inc., a mobile application focused on theology study. Eagle Strategies serves a diverse client base including individuals and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Moon is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 credentials and bringing 41 years of industry experience. His prior career includes 23 years at Lincoln Financial Advisors and operating his own practice, Michael W. Moon, for 27 years. He is co-owner of Moon Wealth Management, LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, investment management, compliance, and practice management. The firm offers diverse investment programs such as PPS Custom and PPS Select model portfolios, emphasizing a platform that allows advisors discretion in portfolio construction.

Heather Mattlin is a Series 66 registered advisor with D.A. Davidson & Co., based in Carlsbad, CA. She has approximately two years of experience in financial services, having previously worked at KW Commercial and Keller Williams Real Estate. Her background also includes six years as a homemaker. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporations. The firm offers services such as ERISA retirement plan advisory, wrap fee programs, equity research, and comprehensive financial planning, operating under fiduciary standards and utilizing both qualitative and quantitative analysis.

Benjamin Hodge is a financial advisor with Integrated Wealth Concepts LLC and holds a Series 66 designation. He has 18 years of industry experience, previously working with firms including Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial. He is based in Escondido, CA. 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, and retirement plan advisory services, using customized portfolios and a combination of internal management and third-party asset managers.

Robert Ortbals is a financial advisor at Concurrent Investment Advisors, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Raymond James Financial Services and Wells Fargo Clearing. He is also employed as a financial advisor with Next Retirement Solutions. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, and supports a network of approximately 286 advisors serving over 13,000 clients.

Michael Mammini is a CFP® professional with 38 years of industry experience, currently affiliated with Commonwealth Financial Network. His prior experience includes roles at Lincoln Investment and Capital Analysts, Incorporated. Outside of advisory work, he is the owner and president of Mammini Properties, LLC. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors and their clients with a range of advisory programs, technology, and operational support. The firm offers various investment management solutions, including discretionary model portfolios and customizable program structures.

Samson Dooley is a financial advisor with Integrated Wealth Concepts LLC in San Diego, CA, holding a Series 65 designation with 2 years of industry experience. His work history includes roles at LPL Financial, Integrated Wealth Concepts, NFP, Inc., and Axos Bank. He has also worked in business development analysis at LPL Financial. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm provides discretionary investment management, financial planning, and consulting with a focus on customized portfolios using mutual funds, ETFs, equities, and fixed income, employing a primarily long-term investment approach supplemented by shorter-term adjustments.

Daniel Dubois is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His career includes roles at firms such as LPL Financial, Independent Financial Partners, and Triad Advisors. Dubois is also a licensed fixed insurance agent, engaging in fixed annuity and insurance sales. 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, family office and retirement plan advisory services, and sponsors wrap-fee programs that utilize customized portfolios with a primarily long-term investment approach.

David Sargent is a Series 65-licensed financial advisor with five years of industry experience, currently with Integrated Wealth Concepts LLC. He previously worked at Laurel Wealth Advisors, Inc. and DZ Bank and has been self-employed since 2018. Outside of advising, he is involved as a partner in a real estate investment business. 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 provides discretionary investment management, financial planning, and family office services, employing a long-term investment approach with customized portfolios and a range of model and wrap-fee options.

Michael Brown is a CFP® and CFA® with 14 years of experience in the financial services industry. He is currently with Corient, where he has worked since 2022 following an 11-year tenure at Dowling & Yahnke, LLC. Brown is based in San Diego, CA. Corient provides investment advisory and financial planning services to individual and high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that combines in-house strategies with third-party managers and advanced risk management tools.

Edwin Mcclure III is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at LPL Financial and Osaic FA, Inc. He is also an insurance agent offering life, health, universal life, disability, and long-term care insurance since 2013 and serves as an officer of Project Blu, Inc. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm offers financial planning, portfolio management, and retirement plan services, utilizing a mix of firm- and third-party models with both passive and active investment exposures.