Krista Hartwell is a financial advisor with Schwab Wealth Advisory and holds a Series 65 designation. She has recently begun her career in the industry, joining Schwab Wealth Advisory in 2025 after roles at Charles Schwab & Co., US Bank, and several law firms. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering clients financial reviews, retirement planning, and investment recommendations using standard asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, with advice delivered by associates who recommend allocations without discretionary trading authority.

Gerald Kouzmanoff is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He has been involved with Ameritas Advisory Services since 2021 and has managed his own firm, Kouzmanoff Financial & Insurance Services Inc, since 1979. He also serves as a manager at Disability Insurance Partners LLC and sits on the board of The Plus Group, Inc., where he promotes the sale of disability income insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management and retirement-plan advisory services using a range of strategies, including model portfolios and third-party sub-advisers, with a focus on plan sponsors and participants.

Chiahsin Ku is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds Series 63 and Series 65 licenses and 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 alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional capabilities, including in-house research and roles as a swap dealer and futures commission merchant.

Connor Jorgenson is a Series 65 credentialed advisor at EP Wealth Advisors with one year of industry experience. Prior to joining EP Wealth Advisors, he worked at D.A. Davidson & Co. and has experience in both financial services and asset management. He also has a background in education at the University of Wyoming. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management and financial planning services, including customized model portfolios and ongoing monitoring using a range of analytical approaches and investment strategies.

Michael Paul is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and also has experience at Synergy Financial and Debtmerica Relief. His business activities include sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to corporations, offering both advisory and broker-dealer services. The firm provides a variety of investment programs including proprietary model portfolios and access to third-party money managers, operating as both a registered broker-dealer and registered investment advisor.

Jonathan Spector is a CFP® and holds a Series 66 license with 17 years of industry experience. He has been with EP Wealth Advisors since 2019 and previously worked at Personal Financial Consultants, Inc. for five years. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, utilizing customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Richard Janke is a CFP® professional at EP Wealth Advisors with 19 years of industry experience. Prior to joining EP Wealth Advisors in 2020, he was affiliated with The Insight Group Insurance Agency and Financial Insight Center. His previous association with Insight Group Insurance Agency is limited to receiving commission trails from prior insurance sales and is no longer active. EP Wealth Advisors serves individuals—including high-net-worth clients—corporate and business clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation, using a combination of fundamental, technical, and cyclical analysis along with third-party manager recommendations.

James Schlager is a CFP® with 37 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2026. His prior roles include positions at Running Point Capital Advisors, Valmark Securities, and Moss Adams Wealth Advisors. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm utilizes tailored asset allocation, manager selection, and proprietary quantitative screens, alongside multiple private-market offerings and affiliated consulting and insurance services.

Clarissia Skinner is a Series 66 licensed financial advisor with Transamerica Financial Advisors, based in Torrance, CA, with five years of industry experience. She has been involved in various professional roles including consulting and community education through Matriarch Enterprises LLC, a forum focused on empowering women in topics such as financial literacy and entrepreneurship. Skinner also engages in estate planning education and tax relief services through partnerships with firms like LSPN Pro LLC and Optima Tax Relief. Transamerica Financial Advisors serves a broad client base including individual investors, pension plans, trusts, and corporations, offering a mix of advisory and broker-dealer services. The firm provides proprietary and third-party investment model portfolios with options for discretionary and non-discretionary management.

Ty Smith is a financial advisor at EP Wealth Advisors with Series 65 credentials and one year of industry experience. Prior to joining EP Wealth Advisors, he worked at Adams Wealth Advisors and spent four years at Caspers Ice Cream. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, using customized model portfolios with ongoing monitoring and a variety of investment strategies.

April Punch is a CFP® and holds a Series 66 license with 11 years of industry experience. She is currently with EP Wealth Advisors and has prior experience at Robert W. Baird & Co., Inc., Interstate Gas Supply, Inc., and Morgan Stanley Smith Barney LLC. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, and utilizes customized model portfolios with a combination of fundamental, technical, and cyclical analysis.

Jaunell Silvera is a Series 65-licensed financial advisor at EP Wealth Advisors with one year of industry experience. Prior to joining EP Wealth Advisors, Silvera held roles at various companies including Awe Inspired and Circle Graphics. EP Wealth Advisors serves individuals, corporate clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm utilizes customized model portfolios and a combination of fundamental, technical, and cyclical analysis, along with access to alternative investments and third-party managers.

Marguerite Rangel is a financial advisor with Primerica Advisors, holding the ChFC® designation and Series 63 and 65 licenses, with 28 years of industry experience. She has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of her advisory role, she is an active member of the California State Bar and the U.S. Supreme Court Bar, and serves as a director on the board of the Jonathan Club, a 501(c)(7) organization. Park Avenue Securities LLC serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a range of proprietary and third-party investment strategies, and provides financial planning, retirement-plan consulting, and business consulting services.

Michael Lay is a CFP® professional with 19 years of industry experience, currently affiliated with EP Wealth Advisors. He has worked in various roles across Executive Wealth Management, EWM Capital, and related entities throughout his career. Outside of his advisory duties, Lay serves as treasurer for the Phoenix Gymnastics Boosters in Brighton, MI. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning, employing customized model portfolios alongside a combination of fundamental, technical, and cyclical analysis.

Lewis Perkins is a CFP® with 33 years of industry experience, currently affiliated with Independent Financial Group, LLC since 2008. He also owns Comprehensive Financial Solutions, Inc, where he serves as an officer and director. Outside of his advisory roles, Perkins is involved in family dispute mediation and serves as treasurer for Northeast Neighbors, a nonprofit organization. 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 brokerage, portfolio management, financial planning, and retirement plan services through a national network of advisors and multiple program platforms.

Ryan Hall is a CFP® professional with two years of industry experience, currently serving as a financial advisor at EP Wealth Advisors. Prior to joining EP Wealth, he worked at Wacker Wealth Partners for three years and has held positions at TrueNorth Health Center and the Esalen Institute. EP Wealth Advisors is a registered investment adviser that serves individuals, corporate clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios with a range of analytical approaches and access to alternative investments and private funds.

Brett Davalos is a financial advisor at EP Wealth Advisors with 15 years of industry experience. He holds a Series 66 designation and previously worked for Peninsula Wealth LLC from 2012 to 2025. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a variety of investment strategies including fundamental, technical, and cyclical analysis.

Adam Werner is a CFP® and holds a Series 65 license with 16 years of experience in the financial services industry. He is currently with EP Wealth Advisors, where he has worked since 2018, following six years at Donnelly Wealth Advisors. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, employing a range of investment strategies including fundamental, technical, and cyclical analysis, as well as options and alternative investments when appropriate.

Ryan Heiligenthal is a CFP® certificant with seven years of industry experience. He is currently affiliated with Osaic Advisory Services, LLC and has prior experience with Securities America Advisors and SABRE Financial Services. He volunteers with the Coordinated Assistance Network/Foundation for Financial Planning, providing financial coaching to veterans and their families. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm provides investment management, financial planning, and retirement consulting through multiple program models, utilizing both proprietary and third-party platforms.

Michael Mc Callister is a financial advisor with PlanMember Securities Corporation and holds a Series 65 designation. He has recent experience working at McCallister Financial Group and Palos Verdes Practice Management. Prior to his advisory roles, his work history includes Deloitte and positions in education. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering fiduciary oversight, participant investment options, and educational support. The firm employs a top-down strategic asset allocation process with risk-based mutual fund portfolios and utilizes third-party custodians while maintaining dual registration as a broker-dealer and investment adviser.