Erica Berger is a financial advisor at Cresset Asset Management, LLC with six years of industry experience. She holds a Series 65 designation and previously worked at Knightsbridge Wealth Management and Buffalo Capital Corporation. Cresset Asset Management, LLC is an SEC-registered investment adviser managing approximately $71.9 billion in client assets for a diverse client base, including individuals, families, trusts, retirement plans, and charitable organizations. The firm employs a diversified, asset-allocation-driven investment approach using both active and passive strategies, supported by a structured due-diligence program and a range of affiliated entities offering specialized advisory and family office services.

Louis Richards Jr. is a financial advisor at Guardian Life with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Northwestern Mutual and Mutual of Omaha. Outside of his advisory role, Richards serves on the Board of Directors for the Cal Poly Pomona Sales Center and creates lifestyle content on social media platforms. He is affiliated with Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life that provides brokerage services, financial planning, and retirement plan consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory solutions using model portfolios and a lower-fee digital advisory platform.

Craig Brueckner is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Commonwealth Financial Network since 2015. He is also a partner and co-owner of BRS Financial Group, LLC, where he has worked since 1998. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and back-office services. The firm provides portfolio construction flexibility and manages discretionary model portfolios through its Investment Management and Research team.

Jordan Putman is a financial advisor at Wealth Enhancement Advisory Services, LLC with Series 65 credentials and one year of industry experience. His prior roles include positions at Spectrum Wealth Management, LLC and the Putman Group. He also has experience in education, having worked at Cal State University Fullerton and Tesoro High School. Wealth Enhancement Advisory Services provides 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 and uses a diversified, risk-class based investment approach combining passive and active strategies overseen by an internal Investment Committee.

Zhuolin Hu is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has been a business owner at Degree International Group, Inc. since 2017. Prior to his current role, he worked at LPL Financial. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and extensive market infrastructure.

Tommy Tran is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds a Series 66 designation and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering a variety of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and security-pricing capabilities alongside specialized roles such as swap dealing and futures commission merchant activities.

Jay Smith is a financial advisor with Eagle Strategies (NY Life) based in Lake Forest, CA, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has worked at Eagle Strategies since 2019 and has been affiliated with NYLIFE Securities LLC and Burton Financial & Insurance Services since 2013 and 2012, respectively. Outside of his advisory work, he serves as a board member and treasurer for Dana Point Youth Baseball, a local youth baseball league. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis, working with a wide range of retirement investors and institutional sponsors.

Cynthia Leberthon is a financial advisor at Integrated Wealth Concepts LLC with two years of experience in the industry. She has previously worked at Wright Ford and Young & Co for eight years and LTSP Inc for fifteen years. She also serves as a senior audit partner at the CPA firm Wright Ford Young, a role unrelated to her investment advisory activities. 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, emphasizing customized portfolios and a long-term investment approach.

Andrew Gordon is a financial advisor with Centaurus Financial, Inc. in Lake Forest, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Centaurus Financial since 1997. Outside of his advisory role, he operates a sole proprietorship involved in sales of health and dental insurance. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements with various analytical approaches and third-party manager options.

Andrew Chan is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds the Series 66 designation and has worked previously at JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill Lynch. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm utilizes multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by internal standards and oversight committees to select and monitor managers.

Nesrin Guner Mann is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Independent Financial Group, she worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services, utilizing both in-house model portfolios and third-party managers, and operates as both a registered investment adviser and an active broker-dealer.

Michael Fahim is a financial advisor with GWN Securities Inc. in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with GWN Securities since 2004 and has worked with Educators Retirement Services since 1989. Outside of advisory work, he is involved in selling fixed life insurance products and owns a property management company. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm offers a range of managed-account programs and model portfolios, including legacy market-timing and momentum-based strategies uncommon among large enterprise firms.

Yan Lan is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Citigroup in 2025, Yan worked at JP Morgan Securities LLC and JP Morgan Chase Bank, N.A. from 2022 to 2025, and has also been associated with Northwestern Mutual and other firms earlier in their career. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with comprehensive oversight and integrates large institutional scale with unique market roles, including in-house research and futures commission merchant services.

Alexander Cruz is a CFP® professional with 22 years of experience in the financial services industry. He has been with SPC since 2015 and also maintains a role with Parkland Securities LLC. In addition to his advisory work, he provides referral services for estate planning and trust-related matters through local law firms. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management options.

Peiyi Wang is a financial advisor at HSBC Securities (USA) Inc. in Irvine, CA, holding a Series 66 designation with two years of industry experience. Prior to joining HSBC, Wang served as CEO of Alty International Inc., a service company unrelated to investment, where she remained involved until 2023. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary portfolio options. The firm’s investment approach integrates strategic and tactical asset allocation with ongoing fund due diligence and features programs tailored for private bank clients and qualified non-resident aliens.

Kenneth Sotherlund is a financial advisor with Primerica Advisors and holds a Series 65 designation. He has prior experience with Park Avenue Securities, Guardian Life Insurance Company, Mutual of Omaha, and Aflac. Outside of his advisory role, he is involved in outside insurance sales. 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 transaction-based brokerage and fee-based advisory services, employing a variety of proprietary and third-party investment strategies.

Laura Mai is a financial advisor with Citizens Securities, Inc. based in Lake Forest, CA. She holds a Series 66 designation and has 15 years of industry experience. Prior to joining Citizens Securities in 2025, she worked at Morgan Stanley and E*TRADE Capital Management LLC. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital advisory program managed with SigFig and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Xianli Zhou is a CFP®-certified financial advisor with Transamerica Financial Advisors, bringing nine years of industry experience. Zhou has held roles at Transamerica Financial Advisors since 2016 and has additional experience in semiconductor manufacturing with ASML and Cymer LLC. Outside of advising, Zhou is involved in tax preparation services. Transamerica Financial Advisors serves a diverse client base that includes individual investors, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a range of advisory and broker-dealer services, combining proprietary and third-party investment models with both discretionary and non-discretionary program options.

Gordon Wang is a financial advisor at Transamerica Financial Advisors with five years of industry experience. He holds the Series 65 and Series 63 licenses. His background includes roles at USA GSD Aesthetics Corporation and World Financial Group, among others. Transamerica Financial Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs, managing over $2 billion in assets as of the end of 2025.

Henry Terrell is a ChFC® and Series 66-licensed advisor with Guardian Life in Irvine, CA, bringing 53 years of industry experience. He has been with Guardian Life and its related entities since 1991 and has maintained a self-employed insurance services business since 1987. He is also involved in insurance sales specializing in LTC, group, individual, and disability insurance. Guardian Life operates Park Avenue Securities LLC, a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a mix of proprietary and third-party investment advisory programs.