David Applestein is a financial advisor at T. Rowe Price Advisory Services, Inc. with 15 years of industry experience. He holds the Series 65, Series 63, and Series 66 designations. Prior to joining T. Rowe Price, he worked at Principal Securities Inc and Principal Life Insurance Co, and spent 15 years with Wells Fargo. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, incorporating tax-aware rebalancing and Monte Carlo simulations for retirement income projections.

Erick Von Berge is a financial advisor at Cerity Partners Retirement Plan Consultants with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Von Berge Wealth Management Group, Laurel Wealth Advisors, and Wells Fargo Advisors. Cerity Partners Retirement Plan Consultants advises plan sponsors on defined contribution and defined benefit plans, providing ERISA fiduciary services, participant advice, plan design, and administrative support. The firm focuses on asset-allocation driven model portfolios, investment policy statement monitoring, and non-discretionary management, serving a broad range of institutional clients.

Timothy Petrovich is a financial advisor with Guardian Life, holding a Series 65 credential and six years of industry experience. His prior work includes positions at Cadaret Grant & Co., Inc., Securities America, Inc., and LPL Financial. He is currently associated with both Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of Guardian Life, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs using both proprietary and third-party models.

Jung Hoon Park is a financial advisor with Principal Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His career includes roles at several financial firms such as Principal Life Insurance Company, National Life Group, and MassMutual Life Insurance Company. He is also involved in selling various types of insurance, including life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm focuses on financial planning, retirement consulting, and access to third-party money manager programs through direct advisory and promoter arrangements.

Mark Vannatta is a CFP® professional with over 43 years of experience in the financial services industry. He is currently affiliated with Primerica Advisors and has held roles at Guardian Life Insurance Company and Park Avenue Securities since 2004. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services alongside financial and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Kameron Hall is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and five years of industry experience. He has been with Commonwealth since 2019 and previously worked at the University of New Hampshire from 2015 to 2019. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors. The firm offers a comprehensive platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Eugene Choi is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP® and ChFC® designations and over 14 years of industry experience. He previously worked at Dunham & Associates Investment Counsel, Inc. for eight years before joining his current firm. 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 uses a diversified investment approach combining passive and active management with quantitative, momentum, and fundamental analysis.

Nelly Warner is a financial advisor at Commonwealth Financial Network with one year of industry experience. She holds a Series 66 designation and has previously worked in hospitality and education roles, including positions at Catamaran Resort Hotel & Spa and San Diego University for Integrative Studies. 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 about $212.7 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Enrique Enriquez is a financial advisor at Guardian Life with 29 years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at Park Avenue Securities and Guardian Life since 2015. Enriquez is also involved with Armorcrest Insurance Services LLC, a property and casualty insurance company specializing in home, auto, and commercial insurance. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension plans, charitable organizations, and corporate clients through brokerage services, financial planning, and investment advisory programs, combining proprietary and third-party strategies.

Sandra Williams is a financial advisor at Guardian Life with the ChFC® designation and Series 66 license, bringing six years of industry experience. She has worked with Park Avenue Securities, LLC and Guardian Life Insurance Company since 2019. Outside of her advisor role, Williams is engaged in business coaching through The W Coaching Group, Inc., which she founded and continues to operate, and she is also a published author. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage services, financial planning, and advisory programs combining proprietary and third-party strategies.

Darek Williams is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and 10 years of industry experience. His prior roles include positions at Merrill, Bank of America, Unionbanc Investment Services, and Union Bank. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm is notable for its combination of large institutional scale, in-house research capabilities, and specialized market roles such as swap dealer and futures commission merchant.

Clark Anderson is a CFP® with 40 years of industry experience, currently affiliated with Principal Financial Services. He has been associated with Principal Securities Inc. since 1985 and PRINCIPAL Life Insurance Company since 1998, and he also leads Anderson Legacy Advisors. Outside of investment advisory, he is involved in selling group benefits and various individual insurance products, including fixed life insurance and long-term care policies. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and military personnel. The firm offers direct advisory programs, financial planning, and access to third-party money manager asset allocation and separately managed account solutions.

Jessica Szombathelyi is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and eight years of industry experience. She has worked with firms including Independent Financial Group, CUSO Financial Services, TDAmeritrade, and Boeing Employee's Credit Union. Commonwealth Financial Network serves a national network of nearly 2,900 advisors and manages approximately $212.7 billion in client assets. The firm provides a broad advisor-support platform with discretionary and nondiscretionary managed-account programs, third-party asset manager access, and custody and clearing services.

Junior Granados is a financial advisor at Voya Retirement Advisors, LLC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various capacities within the Voya organization since 2005, including roles at Voya Financial Partners and Voya Financial Advisors. Voya Retirement Advisors, LLC provides retirement-plan investment advice and managed account services to participants in employer-sponsored plans. The firm uses third-party models and techniques such as discounted cash-flow and mean-variance optimization to deliver personalized asset allocations and retirement income forecasts, managing approximately $30.9 billion in discretionary assets as of 2024.

Yuliya Brown is a CFP® and Series 66-registered financial advisor with six years of industry experience. She is currently with Farther and has previously worked at firms including LPL Financial, San Diego County Credit Union, Bank of America, Merrill, and Comerica Bank. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs an investment approach based on Modern Portfolio Theory, utilizing bespoke allocations and proprietary algorithmic model portfolios with automatic rebalancing, primarily investing in ETFs, mutual funds, individual equities, and fixed income.

April Schultz is a CFP® professional with two years of industry experience. She is currently affiliated with Focus Partners Wealth, LLC. Her prior roles include positions at The Colony Group, LLC, HoyleCohen Wealth Management, LLC, CPA Financial Group, Inc., and NB Private Capital, LLC. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach using enhanced open architecture that integrates fundamental and quantitative analysis alongside third-party managers and alternative strategies.

Lisa Youk is a financial advisor with Eagle Strategies (NY Life) in San Diego, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has worked with Eagle Strategies since 2017 and has been affiliated with New York Life entities since 2012. Outside of her advisory role, she performs as a professional belly dancer at various venues and charitable events. Eagle Strategies serves a broad client base, including individual investors and institutional plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored solutions delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Abdiel Valenzuela is a financial advisor with Principal Financial Services holding Series 63 and Series 65 credentials and 31 years of industry experience. His prior work includes roles at Principal Life Insurance Company, RBC Capital Markets, Avantax Advisory Services, and Puplava Securities Inc. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.

Roderick Evans is a CFP® professional with 35 years of industry experience. He has worked at Independent Financial Group, LLC since 2021, following a 25-year tenure at Hornor, Townsend & Kent, Inc. Outside of his advisory role, he serves as a board member for Rancho Santa Fe Farms Golf Club. 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, financial planning, and retirement services, utilizing both in-house and third-party manager models to tailor strategies to client risk profiles.

Hannah Zuilan is a financial advisor at Empower Advisory Group with 12 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Nationwide Investment Services Corp for 12 years. Hannah is currently based in Chula Vista, CA. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s approach includes integrated financial planning and managed account solutions, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.