Ricardo Escobosa is a financial advisor at First Citizens Investor Services, Inc. with one year of industry experience. He has previously worked at The Northern Trust Company and Wells Fargo Bank, accumulating over 18 years of experience in the financial sector. He holds the Series 66 designation. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities. The firm offers portfolio management, wrap programs, model portfolios, and financial planning, focusing on IAR-led client assessments and a mix of fundamental, quantitative, and technical investment analysis.

Yanhua Xu is a financial advisor at Citigroup Global Markets with nine years of industry experience. Xu holds a Series 66 designation and has worked at CitiGroup since 2022, with prior experience at Cetera and CTBC Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with unique market roles, including in-house research, swap dealer and futures commission merchant operations.

Daniel Vigil is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 designation and seven years of industry experience. He has been with Bankers Life Advisory Services since 2019 and has worked at Bankers Life And Casualty Company since 2014, where he serves as a Branch Sales Manager overseeing hiring and training of agents. Outside of his advisory role, he is a principal of MEV Enterprises, where he conducts analysis and decision-making on real estate investments. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across a range of securities.

Loren Barrett is a financial advisor at GWN Securities Inc. in Los Angeles, CA, holding a Series 66 designation with two years of industry experience. Prior to joining GWN Securities, he worked at TSA Private Equity Real Estate and Petco, and has an educational background including Santa Clara University and Highland Park High School. Outside of his advisory role, Barrett owns an online apparel brand where he serves as creative director. GWN Securities is an SEC-registered investment adviser and broker-dealer that serves individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a network of approximately 423 advisors and manages around $3.65 billion across more than 37,000 client accounts, offering a range of managed-account programs and investment strategies.

Tyler Shumaker is a financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial and Wells Fargo Clearing, among other firms. Outside of advisory services, Shumaker co-hosts a technology and communications podcast and is involved in real estate sales as well as estate planning coordination. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning and portfolio management through the CLASSIC Plus platform, utilizing a range of analytical approaches, and provides both discretionary and non-discretionary advisory services.

Dongyue Lyu is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo, HSBC Securities, HSBC Bank USA, and Cathay Bank. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supported by in-house research and unique market roles such as swap dealing and futures commission merchant activities.

Nidaa Kalasho is a financial advisor with First Citizens Investor Services, Inc. in Pasadena, CA, holding Series 63 and Series 65 licenses and 13 years of industry experience. Her career includes roles at First Citizens Bank, U.S. Bank, and Wells Fargo, encompassing various positions from 2010 to the present. First Citizens Investor Services, Inc. serves individuals, pension and profit-sharing plans, charitable organizations, and corporate entities with advisory and brokerage services. The firm employs fundamental, quantitative, and technical analysis to construct diversified portfolios and offers a range of investment solutions including model portfolios and tax-aware services.

Chao Zhao is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses. Zhao has been in the industry since 2024, having previously worked at Wfgia and currently affiliated with Transamerica since 2025. Outside of advisory work, Zhao is involved in sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model and offers a range of programs and platforms such as Transamerica ONE and the TFA365 Advisory Program.

Howard Qu is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at World Financial Group, INC., DebtMerica, and his own firm, Howard Hughes Qu & Associates, Inc. In addition to advisory work, he manages corporate compliance and tax matters for his firm. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and charitable organizations, delivering services through a large advisor network and multiple program platforms that utilize model portfolios and third-party managers.

Jennifer Overhoff is a financial advisor at TIAA-CREF in Pasadena, CA, holding Series 63 and Series 65 licenses with 18 years of industry experience. Her prior roles include positions at LPL Financial, Bancwest Investment Services, California Financial Partners, Sheaff Brock Investment Advisors, and Assetmark. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm offers both point-in-time financial planning and ongoing discretionary management, utilizing model portfolios and customized solutions under a fiduciary standard.

Sean Mccarty is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 19 years of industry experience. He has worked at Commonwealth since 2009 and has been associated with Diversified Investment Services since 2003. In addition to his advisory role, he has engaged in fixed insurance sales on a limited basis. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services including wealth management and retirement plan consulting. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Kevin Choi is a Series 66-credentialed advisor with 11 years of experience at both JTW Financial Services Inc and Independent Financial Group, LLC. He has been affiliated with Independent Financial Group since 2015. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers a range of portfolio management options and financial planning through multiple platforms, combining strategic asset allocation with both passive and active investment strategies.

Dawson Halvorson is a financial advisor at Eagle Strategies (NY Life) with four years of industry experience. He holds a Series 66 designation and has previously worked with Northwestern Mutual Investment Services LLC. Outside of his advisory role, he is affiliated with Vanguard University. Eagle Strategies serves a diverse group of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored solutions and manages the majority of its assets on a non-discretionary basis.

Ming Wai Kwok is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary models. The firm combines large institutional scale with specialized market roles, providing a broad set of advisory and execution services.

Anca Barbat is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and also has involvement with Destiny Builders 9, LLC since 2016. Transamerica Financial Advisors serves individual investors, institutions, and high-net-worth clients through a combination of advisory and broker-dealer services, offering proprietary and third-party investment models with both discretionary and non-discretionary program options.

Andrew Crowell is a financial advisor with D.A. Davidson & Co. in Pasadena, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has been with D.A. Davidson since 2016. Outside of his advisory role, he serves on the boards of several nonprofit organizations, including the YMCA and the California Vintage Wine Society, where he is board chair. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm emphasizes fiduciary standards and employs both qualitative and quantitative methods to provide advisory, retirement plan services, and wealth management, with additional capabilities in municipal advising and custodial services.

Raymond Fleming is a financial advisor at Wealth Enhancement Advisory Services, LLC with Series 65 and Series 66 credentials. He has been in the industry since 2023, with prior experience at Wells Fargo and educational background including Colorado College and Polytechnic School. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and utilizes a diversified investment approach blending passive and active managers, supported by an internal Investment Committee.

Nadine Ibrahim is a financial advisor at D.A. Davidson & Co. with one year of industry experience. She previously worked at UBS Financial Services, Inc. and Advantage Xpo. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers a range of services under fiduciary standards, including retirement plan advisory, financial planning, and a Private Wealth program for clients with significant net worth.

Cheryl Hom is a Series 66 licensed financial advisor at First Citizens Investor Services, Inc. with 19 years of industry experience. She previously worked at Bank of the West and BancWest Investment Services from 2015 to 2023. First Citizens Investor Services serves a range of clients, including high-net-worth individuals, pension plans, charitable organizations, and businesses, offering advisory and brokerage services with a focus on customized portfolio management, financial planning, and tax-aware strategies.

Joyce Thomas is a financial advisor with Independent Financial Group, LLC in San Gabriel, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She previously worked at VOYA Financial Advisors, Inc. from 2011 to 2015. Thomas is the owner of JTW Financial Services, Inc., which she uses for marketing purposes. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate retirement plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence to develop client strategies across a range of risk profiles.