Kevin Carlin is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. He holds a Series 66 designation and has worked at Commonwealth since 2017 and LPL Financial since 2012. Outside of his advisory role, Carlin is involved in a nutritional supplement business and owns an online apparel company, Trail Comfort. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm offers a range of managed account programs and access to third-party asset managers, providing both discretionary and non-discretionary portfolio management options.

Nathan Parker is a CFA® charterholder with 15 years of industry experience. He has been with Commonwealth Financial Network in San Diego, CA since 2013. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and their individual and institutional clients. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody and clearing services.

Vincent Zupo is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has held prior roles at GW&K Investment Management, AlphaCore Wealth Advisory, and Sage Rhino Capital LLC. Zupo is a member of the City of El Segundo Investment Advisory Committee. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates within the Schwab ecosystem and does not exercise discretionary trading authority, distinguishing its approach from many enterprise wealth managers.

Vincent Neal is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Sagepoint Financial, Independent Financial Group, and several Cetera firms. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, allowing advisors discretion in portfolio construction alongside managed model portfolios created by its Investment Management and Research team.

Michael Sheehan is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Commonwealth Financial Network since 2012. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and services, including wealth management and retirement plan consulting, and offers operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Harry Lodge is a financial advisor with Private Advisor Group, LLC, holding a Series 63 designation and bringing 41 years of industry experience. His career includes roles at LPL Financial, Financial Design Group, Minnesota Life Insurance Company, and Securian Financial Services, as well as operating his own firm, Harry S. Lodge and Associates Inc, for 37 years. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

Kyle Whisenhunt is a CFP® and Series 66-registered advisor with eight years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, HoyleCohen, San Diego Wealth Management, Sagepoint Financial, and Wolters, Hagar & Pratt Financial Planning. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach using a combination of active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Eduardo Torres is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 licenses and over 42 years of industry experience. He has previously worked with Investment Placement Group and currently serves as managing partner of Pacific Tides Wealth Management. United Planners Financial Services supports a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Kimberly Day is a CFP® professional with 12 years of experience in financial services. She is currently with Wealth Enhancement Advisory Services, LLC, where she has worked since 2026. Her prior experience includes roles at Christopher Weil, Charles Schwab, TD Ameritrade, Bank of America, Merrill Lynch, and Higgins Capital Management. Wealth Enhancement Advisory Services offers financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large advisor network and employs a diversified investment approach that combines passive and active strategies overseen by an internal Investment Committee.

Ashley Rinaudo is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 22 years of industry experience. She has been with Commonwealth since 2006. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages roughly $212.7 billion in client assets. The firm offers a broad range of managed-account programs, third-party asset manager access, and comprehensive support services including trading, reporting, and custody.

Samuel Franco is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Ameriprise, Cuso Financial Services, and Scottrade. He is based in San Diego, CA. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Roxana Gomez is a financial advisor with Integrated Wealth Concepts LLC and holds a Series 66 designation. She has nine years of industry experience, previously working at MMA Securities LLC and Marsh & McLennan Agency. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, and implements customized portfolios using a combination of mutual funds, ETFs, individual equities, and fixed income with a primarily long-term investment approach.

Laura Clem is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years of industry experience. She previously worked at CUSO Financial Services, LP for seven years before joining Commonwealth in 2020. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a variety of advisory programs and services. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors who maintain discretion over client portfolios while utilizing Commonwealth’s model portfolios and program structures.

Curtis Baumann is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fisher Investments and Allianz Global Investors U.S. LLC. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain IRA and retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and client savings rates.

Terence Tunnell is a CFP® with 15 years of industry experience, currently advising at Commonwealth Financial Network since 2010. He also operates JM Financial Strategies, providing tax preparation and bookkeeping services. Outside of financial advisory, he has been involved with Pizza Systems Inc. since 1987. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management and retirement plan consulting. The firm supports advisors with operations, technology, investment management, and compliance while allowing discretion in portfolio construction.

David Vaz is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has served with Independent Financial Group since 2004 and is also an officer and board member of NOLAH, Inc., a charitable organization supporting disabled veterans. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers a variety of advisory programs through its AccessPoint platform and third-party asset managers, serving a broad client base including high-net-worth individuals and institutional clients.

Monica Mantilla is an Investment Management Consultant II at Fidelity Investments. She has been with Fidelity since 2019, progressing through roles including Financial Consultant, Investment Consultant, Planning Consultant, and Relationship Manager. Prior to joining Fidelity, Monica worked as a Wealth Advisor Associate at Morgan Stanley and as a Business Development Specialist at TD Ameritrade. Monica holds a CA Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional with nearly ten years of experience in the financial services industry. She focuses on providing personalized financial guidance and aims to empower clients with clarity and confidence throughout their financial journeys. Outside of her professional work, Monica enjoys comedy, family activities, visiting museums, reading, and traveling.

Anthony Bonafede is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. He previously worked at CUSO Financial Services, LP and Independent Financial Group LLC. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operational, compliance, and practice-management support to affiliated advisors.

Sherry Senesy is a CFP® professional with 15 years of industry experience, currently affiliated with Eagle Strategies (NY Life) in San Diego, CA. She has worked at Eagle Strategies since 2016 and operates her own business, SRS Financial & Insurance Solutions, through which she brokers non-registered insurance products. Senesy is also appointed as an insurance broker with outside carriers. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of its assets on a non-discretionary basis.

Sandra Franklin is a financial advisor with Schwab Wealth Advisory, Inc., holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Her prior roles include positions at Advisors Asset Management, Inc., TD Ameritrade, and Charles Schwab & Co., Inc. She serves on the Board of Directors for the LSU Alumni San Diego Chapter. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, planning discussions, and investment recommendations supported by Schwab’s research tools, while allowing clients to retain final trading decisions.