Matthew Francis is a financial advisor at HBW Advisory Services LLC with a Series 65 designation. He has no prior industry experience but has worked in media and video production, including as a video director for Bayside Church since 2021 and running Matty Fran Media since 2008. HBW Advisory Services manages approximately $1.75 billion in client assets and serves a diverse client base including individuals, families, charitable organizations, businesses, and retirement plans. The firm uses a blended investment approach with third-party money managers and sub-advisers, and it offers institutional and intermediary services alongside retail client management.

Heidi Hershman is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has worked with HBW Advisory Services since 2011 and previously held positions at Cetera and Cetera Wealth Services. Outside of her advisory role, she serves as president of the board at Ilan Ramon Day School, a private Jewish day school. HBW Advisory Services manages approximately $1.75 billion in client assets and offers discretionary and non-discretionary asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach that includes tactical asset allocation and multi-manager diversification, and it provides sub-advisory, co-advisor, and wrap-fee portfolio services.

Brian Malkinson is a Series 65 licensed financial advisor with eight years of industry experience, currently serving at HBW Advisory Services LLC since 2018. He has held leadership roles including Chief Operating Officer at Jones Financial Network and President of TIG Wealth Management Inc., focusing on estate planning. He is also the President and owner of The Brayley Group, a management and business consulting firm, and works as a notary public. HBW Advisory Services manages approximately $1.75 billion in client assets, offering asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and pension plans. The firm employs a blended investment approach using third-party money managers and emphasizes diversification and downside protection, while also providing institutional and retirement plan services.

Robert Sullivan III is a financial advisor with HBW Advisory Services LLC in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at multiple firms including Cetera Advisor Networks and Goldhorn Capital Management LLC, which he owns. Outside of financial advising, he is co-owner of Raghorn Ranch Land & Cattle Co LLC, where he assists with horse training and agricultural activities. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to a diverse client base including individuals, families, charitable organizations, and institutional plans. The firm employs a blended investment approach that incorporates tactical asset allocation and multi-manager diversification, and it offers sub-advisory and wrap-fee portfolio services through partnerships such as Betterment Institutional.

Ryan Weichman is a CFP® and CFA® credentialed advisor with nine years of industry experience. He is currently with Mercer Global Advisors Inc., where he has worked in multiple roles since 2015, with prior experience at Hill Island Financial, LLC and Ameriprise Financial Services, Inc. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based investment approach featuring globally diversified, risk-appropriate portfolios and offers a range of implementation options including ETFs, mutual funds, separate accounts, and direct indexing.

Bradley Bronk is a financial advisor at Commonwealth Financial Network with 20 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Commonwealth since 2009. Outside of his advisory role, he is involved in fixed insurance sales at his branch location. 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 roughly $212.7 billion in client assets. The firm offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Sandra Poetz is a financial advisor at D.A. Davidson & Co. with 19 years of industry experience. She holds a Series 66 designation and has been with D.A. Davidson since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and employs both qualitative and quantitative analysis to recommend and monitor investments, offering specialized services such as ERISA retirement plan advisory and a Private Wealth program for high-net-worth clients.

Larry Phillips Jr. is a financial advisor with Commonwealth Financial Network in Simi Valley, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Muskate Financial and Commonwealth Financial Network since 2009. Outside of advising, he is a notary public. 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 model portfolios managed by its Investment Management and Research team.

William Fuentes is a financial advisor at Centaurus Financial, Inc. with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Centaurus Financial since 2019 and previously at Questar Capital from 2016 to 2018. Outside of his advisory role, he is involved in assisting clients with term life insurance products and fixed annuities. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of services such as financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized management of annuity and variable life sub-accounts.

William Muskat is a CFP® professional with over 41 years of industry experience. He has been affiliated with Commonwealth Financial Network since 2009 and also operates Muskate Financial. Muskat serves as a trustee for a familial trust outside of his advisory work. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors with a range of advisory programs and back-office services. The firm provides technology, compliance, and investment management support while allowing advisors discretion in portfolio construction and access to various model portfolios and program structures.

Pamela Philbrook is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at Commonwealth since 2009 and concurrently at WM. Al Muskat CFP, Inc. since 1998. 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 discretionary model portfolios and personalized investment solutions, while supporting affiliated advisors with operations, technology, and compliance.

Robert Pondt is a financial advisor at Citigroup Global Markets with 39 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains unique market roles including in-house research and security pricing.

Steven Sansone is a financial advisor at Creative Planning with seven years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Pensionmark Financial Group, LLC, and kPlans Investment Services. Sansone has involvement as a member in real estate investment LLCs. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, supplemented by private market exposure and tailored retirement plan services.

Aren Yarian is a financial advisor with VOYA Financial Advisors, Inc. He holds Series 65 and Series 63 licenses and has 11 years of industry experience. Prior to joining VOYA in 2018, he worked at FIDELITY Brokerage Services LLC from 2014 to 2018. VOYA Financial Advisors serves a diverse range of clients, including individual investors, institutional clients, retirement plan sponsors, and high-net-worth individuals. The firm offers financial planning, portfolio management, and consulting services through various program structures, emphasizing recommendation-based, non-discretionary advice.

Leah Melendez is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 15 years. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by in-house research and a large institutional platform.

Timothy Mcinnis II is a financial advisor with Commonwealth Financial Network in Simi Valley, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Commonwealth since 2009 and is also affiliated with Wm. "Al" Muskat CFP, Inc. since 2007. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a nationwide network of approximately 2,900 advisors and hundreds of thousands of clients, managing about $212.7 billion in assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Michael Jamal is a financial advisor at Citigroup Global Markets with 40 years of industry experience. He has been with Citigroup Global Markets since 2007 and holds the Series 63 and Series 66 designations. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm implements multi-asset, multi-manager strategies with internal oversight and combines large institutional scale with specialized market roles and arrangements.

Daniel Morales is a Series 65-licensed financial advisor with five years of industry experience. He has worked at Ameritas Advisory Services, LLC since 2021 and previously held roles at Pensionmark Financial Group, LLC and San Antonio Winery. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and fiduciary services, utilizing model portfolios, third-party sub-advisers, and custom strategies.

Stepan Ghukasyan is a CFP® credentialed financial advisor at Citigroup Global Markets with one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Citi Bank. Citigroup Global Markets serves individual and institutional clients across a range of wealth management segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research, derivatives and futures services, and bespoke solutions for very large clients.

Victoria Frazier is a financial advisor with Citigroup Global Markets and holds Series 63 and Series 66 licenses. She has 24 years of industry experience, including 20 years at Merrill and has been with Citigroup since 2018. Citigroup Global Markets serves individual and institutional clients through Citi Private Bank, Citi Global Wealth at Work, and Citi Personal Wealth Management, offering a wide range of investment advisory programs and custody services. The firm uses multi-asset, multi-manager strategies and maintains a combination of large institutional scale with specialized market roles and arrangements.