Elizabeth Williams is a CFP® with eight years of industry experience. She is currently an advisor at EP Wealth Advisors and previously held positions at Gather Financial Planning and Stronghold. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services, utilizing customized model portfolios and a range of investment strategies.

Ana Fuentes is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 designation and one year of industry experience. She previously worked at Financial Partners Credit Union for eight years and Farmers and Merchants Bank for two years. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and providing both discretionary and non-discretionary management options.

Jose Dosal Jr. is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and 22 years of industry experience. He has worked at Citibank since 2004. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, providing solutions that include separately managed accounts, mutual funds, ETFs, alternative funds, and exposure to digital-asset products.

Frederick Williams is a financial advisor at Transamerica Financial Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Transamerica Financial Advisors since 2013. Outside of his advisory role, Williams is involved in the development and management of homeless housing and services through New Life Global Development Inc. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, estates, and businesses. The firm utilizes model portfolios and third-party managers to deliver investment advisory and retirement-plan services through multiple program platforms.

Kristie Garrett is a CFP® and holds a Series 66 license with 18 years of experience in the financial services industry. She currently works at EP Wealth Advisors and previously held roles at Zevenbergen Capital Investments LLC and Brighton Jones LLC. 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 customized wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Jeffrey Lehman is a financial advisor at EP Wealth Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various capacities at Lehman & Derafelo Financial Resources LLC, Lehman Financial Resources, Inc., and Royal Alliance Associates, Inc. before joining EP Wealth Advisors in 2023. EP Wealth Advisors is a registered investment adviser serving individuals, corporate 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 clients meeting certain asset thresholds. Their investment approach includes customized model portfolios using fundamental, technical, and cyclical analysis, with the inclusion of alternative investments and third-party manager recommendations when appropriate.

Patrick Donovan is a financial advisor at EP Wealth Advisors with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Minot Wealth Management, JPMorgan Chase Bank, J.P. Morgan Securities, Credit Suisse Securities, and Banc of America Investment Services. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning, offering customized model portfolios with ongoing monitoring and rebalancing that incorporate fundamental, technical, and cyclical analysis.

Johnny Chuchen is a financial advisor at Integrated Wealth Concepts LLC with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including UBS Financial Services, Laurel Wealth Advisors, and Lehman Brothers Inc. He is also a managing partner at Ivernia Capital, LLC, where he advises clients on long-term wealth planning. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors, offering discretionary investment management, financial planning, family office, and retirement plan advisory services. The firm utilizes customized portfolios with mutual funds, ETFs, individual equities, and fixed income, combining an enterprise operating scale with various model and wrap options.

Austin Loveland is a financial advisor with EP Wealth Advisors in Torrance, CA, holding a Series 65 designation and four years of industry experience. He previously worked at Soltis Investment Advisors and SunWest Management. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis to construct customized portfolios and provides ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Arya Naim is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 12 years of industry experience. Prior to joining Citigroup in 2025, Arya worked at Morgan Stanley and Morgan Stanley Private Bank for a combined 10 years. 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 employs multi-asset, multi-manager strategies and leverages internal oversight and large-scale institutional resources to deliver customized solutions.

Ryan Caldwell is a CFP® professional with 17 years of industry experience. He has worked at EP Wealth Advisors since 2024 and previously spent 16 years at R.E. Wacker Associates, Inc. in Torrance, CA. 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, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, utilizing customized model portfolios and various investment strategies.

Lucas Kulma is a CFP® and CFA® credentialed advisor at Focus Partners Wealth, LLC with nine years of industry experience. His prior roles include positions at The Colony Group, HoyleCohen, Moneta Group Investment Advisors, LLC, Kayne Anderson Rudnick Investment Management, LLC, and LourdMurray. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Chase Payne is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and bringing nine years of industry experience. He previously worked at Wells Fargo Clearing, Golden State Wealth Management, LLC, and LPL Financial. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, providing both discretionary and non-discretionary strategies that include exposure to alternative and digital-asset products.

Linda Ginder is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at EP Wealth Advisors since 2018. Prior to joining EP Wealth Advisors, she worked at SFMG Wealth Advisors from 2016 to 2018. 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, financial planning, and ancillary services such as tax preparation and estate-document preparation, employing a customized investment approach that combines fundamental, technical, and cyclical analysis.

Michael Kruse is a CFP® professional with experience spanning multiple firms including Aspiriant, Hightower, and Transcend Wealth. He has worked in the financial advisory field since at least 2014 and joined Sequoia Financial Group, L.L.C. in 2025. Sequoia Financial Advisors, LLC provides wealth planning, investment management, and retirement-plan and business-consulting services to a diverse client base, including high-net-worth individuals, charitable organizations, corporations, trusts, and family offices. The firm employs a combination of in-house model portfolios, custom accounts, and third-party manager selection, supported by an Investment Policy Committee and extensive research resources.

Nathan Larsen is a CFA® charterholder with one year of industry experience. He is currently an advisor at EP Wealth Advisors, where he has worked since 2025. Prior to this, he spent eight years at Executive Wealth Management. EP Wealth Advisors is a registered investment adviser that 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, utilizing customized model portfolios and a range of investment strategies.

Robert Thomas is a Series 66-credentialed financial advisor with 14 years of industry experience. He has been with GWN Securities Inc. since 2016. In addition to his advisory role, he works as an independent agent placing fixed annuities and insurance products aimed at providing guaranteed benefits to suitable clients. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning services. The firm employs a mix of sub-advisers and model-based allocations, incorporating tactical trading strategies in certain legacy programs.

Joseph Palumbo is a financial advisor at EP Wealth Advisors with 12 years of industry experience. He holds the Series 66 designation and has worked previously at City National Bank, RBC Capital Markets, and Wells Fargo Clearing. Outside of his advisory role, Palumbo serves as an officer and board member of Kristin's Fund, a domestic violence awareness organization. EP Wealth Advisors serves individuals, corporate clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm constructs customized model portfolios and provides ongoing monitoring using a blend of fundamental, technical, and cyclical analysis, along with access to alternative investments and third-party managers.

James Fitzpatrick is a CFP® professional at EP Wealth Advisors with 35 years of industry experience. His background includes roles at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, and WealthVest Marketing. He has been with EP Wealth Advisors since 2022. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides customized wealth management, discretionary portfolio management, and financial planning services, utilizing a combination of fundamental, technical, and cyclical analysis alongside access to alternative investments and third-party managers.

Julia Donnelly is a financial advisor with Empower Advisory Group in Long Beach, CA, holding Series 63 and Series 66 licenses and two years of industry experience. Her work history includes roles at Empower Financial Services, Comprehensive Advisor LLC, and Wells Fargo. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and client savings rates through point-in-time financial plans and managed account solutions.