Ryan Ramos is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Cetera ADVISORS, Pierson Wealth Management, and Western International Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Hanna Horenstein is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been affiliated with Transamerica since 2012 and has held multiple roles in related financial, real estate, and consulting businesses. Horenstein is also the author of *The Virtuity Edge: A Compilation of Success*. Transamerica Financial Advisors serves a wide range of clients, including individual investors and institutional entities, offering advisory and broker-dealer services with both proprietary and third-party investment models. The firm operates as both a registered investment adviser and broker-dealer, providing discretionary and non-discretionary portfolio management options.

Rafiq Wiley is a financial advisor with Osaic Institutions, Inc. holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Infinex Investments, Mass Mutual Investors Services, and Planmember Securities Corporation. Outside of advisory work, he is involved in insurance sales through multiple agencies. Osaic Institutions, Inc. serves a diverse client base including individuals, ERISA plans, and corporate clients by providing customized advisory services, financial planning, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model, supporting investment adviser representatives with firm supervision while allowing clients to maintain control over their accounts.

David Cox is a financial advisor at Integrated Wealth Concepts LLC with one year of experience at the firm and a background as a partner at Duffy Kruspodin LLP, a CPA firm where he has worked since 2012. His professional credentials include both financial advisory and accounting expertise. 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, and family office services, employing customized portfolios with a long-term investment approach and oversight of third-party asset managers.

Andrea Rhinehart is a financial advisor at Focus Partners Wealth, LLC with 18 years of industry experience. She holds a Series 65 credential and previously worked for 22 years at Churchill Management Group. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a broad range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Richard Maholchic is a ChFC® credentialed financial advisor with 32 years of industry experience. He is affiliated with TLG Advisors, Inc. and has held roles at Pacific Southwest Financial, The Leaders Group, Inc., Lincoln Investment Planning, and Capitas Distributors, Inc. In addition to his advisory work, Maholchic consults for law firms on insurance matters and facilitates life settlement situations on a reactive basis. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory services, financial and estate planning, and ERISA fiduciary services with a portfolio construction approach based on fundamental analysis and Modern Portfolio Theory.

Destiny Collins is a financial advisor with Mercer Global Advisors Inc. in Woodland Hills, CA, holding Series 63 and Series 65 credentials and three years of industry experience. Her work history includes roles at Mercer Global Advisors, LA City United, Legends FC, Fed Ex Ground, MWA Financial Services Inc, Modern Woodmen of America, and Cal State University, San Bernardino. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based approach, emphasizing globally diversified, risk-appropriate portfolios through a variety of investment vehicles and offers educational content and specialized services.

Elizabeth Reilly is a financial advisor at TLG Advisors, Inc. with 29 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior firms include Ameriprise, Horace Mann, Ameritas, and Waddell & Reed. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on manager selection and ongoing monitoring using fundamental analysis and Modern Portfolio Theory to build diversified portfolios, offering both traditional advisory services and a direct-to-consumer digital program called Starlight Portfolios.

Raul Palma is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. He previously worked at Charles Schwab & Co. Inc. for over a decade. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach focuses on globally diversified, risk-appropriate portfolios using multi-factor tilts and low-cost index vehicles, along with a range of implementation options and coordinated financial planning services.

Yeznik Kazanjian is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Citigroup Global Markets since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with in-house research and specialized market roles.

Lonna Weems is a financial advisor with Centaurus Financial, Inc. in North Hills, CA, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has been with Centaurus Financial since 2013. Outside of advising, she works as a yoga instructor in North Hills. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a range of discretionary and non-discretionary arrangements.

Saman Bigharaz is a financial advisor at Mercer Global Advisors Inc. with 13 years of industry experience. He holds a Series 66 designation and has held prior roles at Falcon Wealth Planning, E*TRADE Securities, JPMorgan Chase Bank, AMI USA LLC, and Merrill. Outside of his advisory work, he is involved with Pure Paws Pet Company, LLC, which imports grass-fed dog and cat treats from New Zealand. Mercer Global Advisors serves individuals, families, small business owners, foundations, and non-profits with comprehensive investment advisory and financial planning services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, using low-cost ETFs, index funds, and other strategies, and offers specialized services including retirement plan consulting and family office solutions.

Ron Hertzberg is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 credentials and 23 years of industry experience. He previously worked at JP Morgan Securities and Merrill before joining Citigroup in 2017. Outside of his advisory role, he is the owner and CEO of RH15 Enterprises, LLC, a business involved in buying and selling sports memorabilia. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by extensive internal research and compliance structures.

Max Campos is a financial advisor at Creative Planning with a Series 65 designation and over eight years of industry experience. He previously worked at SageView Advisory Group for three years and Summit Financial Consultants for seven years before joining Creative Planning. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm emphasizes a financial-planning-led investment approach featuring low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by active tax management and selective private market exposure.

Rhoneil Santo Tomas is a financial advisor with TLG Advisors, Inc. He holds Series 63 and Series 65 licenses and has 35 years of industry experience. His prior roles include positions at AXA Advisors LLC and DSV Financial Inc, where he also serves as president, focusing on employee benefits. Santo Tomas is involved in several insurance-related businesses offering fixed life and disability insurance products. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, providing investment supervisory services, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios that uses a risk-based approach to portfolio construction.

Scott Anderholt is a financial advisor with PlanMember Securities Corporation, holding a Series 63 designation and eighteen years of industry experience. He is affiliated with Hudson Financial Services and The Legacy Group, entities through which he has provided investment and retirement services since 2008 and 2012, respectively. Anderholt serves as a volunteer board member of The Louis Zamperini Foundation, a nonprofit organization focused on assisting children in need. 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’s investment process utilizes a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios ranging from conservative to aggressive, supported by educational and support services for plan sponsors and participants.

Ryan Nguyen is a financial advisor at Mariner with Series 63 and Series 65 credentials and eight years of industry experience. His career includes roles at West Wealth Group, JPMorgan Chase Bank, J.P. Morgan Securities, and Guardian Life Insurance Company. He is also an independent licensed insurance agent specializing in life, accident, and health insurance in California. Mariner serves a diverse client base including individuals, high-net-worth households, pension plans, and charitable organizations through investment management, financial planning, and retirement plan consulting. The firm employs a discretionary, customized portfolio approach supported by an internal management team and third-party managers, and provides integrated tax, accounting, and financial wellness services uncommon for a firm of its size.

Edward Kulow is a CFP® with 15 years of industry experience, currently serving as a financial advisor at D.A. Davidson & Co. since 2013. He holds Series 63 and Series 65 licenses. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm operates under fiduciary standards, offering a range of services from retirement plan advisory to comprehensive financial planning and private wealth management for clients with significant assets.

Francisco Galan is a financial advisor at TIAA-CREF with 20 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including HSBC Bank USA, N.A., HSBC Securities (USA) Inc., J.P. Morgan Securities, Chase Investment Services Corp., and Morgan Stanley DW Inc. prior to joining TIAA-CREF in 2023. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with employer retirement plan relationships, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes one-time planning services from ongoing portfolio management and acts as adviser to a donor-advised fund.

Christina Sisson is a financial advisor at Principal Financial Services with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Principal since 2002. In addition to her advisory role, she serves as a bank officer supporting Principal’s retirement plan account relationships across the firm’s insurance, broker-dealer, and bank/trust divisions. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and corporate entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.