James Galante is a financial advisor with Kestra Advisory and holds a Series 66 designation. He has 25 years of industry experience, including 12 years at Commonwealth Financial Network prior to joining Kestra Advisory in 2025. Outside of his advisory role, he is involved in several registered representative activities through Kestra Investment Services and is a member of Monarch Retirement & Investment LLC and Monarch Retirement Group. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and utilizes multiple management platforms and third-party solutions to support its clients.

Jared Johnson is a financial advisor with Planmember Securities Corporation in Temecula, CA. He holds Series 63 and Series 65 credentials and has 24 years of industry experience. Johnson is involved in multiple business activities including leadership roles at Lighthouse Capital Planners and Living Trustify, an online service providing legal forms and information. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, functioning as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education and support services such as seminars and personalized retirement planning.

Mark Erwin is a financial advisor with Kestra Advisory in Fallbrook, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience, including a 19-year tenure at Commonwealth Financial Network and ownership of Erwin Financial. Outside of his advisory roles, he engages in advocacy and education on TTR amyloidosis through public speaking activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan design, employee education, and utilizes multiple management platforms, serving some of the largest institutional investors including sovereign wealth funds.

Robert Sneller is a financial advisor at J. W. Cole Advisors, Inc. with two years of industry experience. Prior to joining J. W. Cole, he worked at The Winfield Group and Grand Canyon University. In addition to his advisory role, he is licensed as a residential real estate agent in California. J. W. Cole Advisors operates a large network of independent Investment Adviser Representatives and provides fee-based portfolio management, financial planning, retirement plan services, and third-party manager platforms for individual, high-net-worth, and institutional clients. The firm employs a blend of fundamental and technical analysis along with model- and manager-based strategies to implement client solutions.

Allyson Trantum is a CFP® professional with 28 years of experience in the financial industry. She is currently with J.W. Cole Advisors, Inc., where she has worked since 2018, following a two-year tenure at LPL Financial, LLC. Outside of her advisory role, she serves as Treasurer and board member for Rotary District 5330. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and multiple managed account solutions with investment decisions implemented on discretionary or non-discretionary bases.

Dennis Lindeman is a CFP® professional with 36 years of industry experience, currently serving at Independent Financial Group, LLC since 2007. He holds Series 63 and Series 65 licenses and acts as an agent for Lincoln National Life Insurance Company, providing consultation on life insurance policies. Additionally, he serves as an officer and board member of Smiles, a local nonprofit organization. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to a diverse client base including individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in assets and utilizes a range of advisory programs through its AccessPoint platform and third-party asset managers.

Steven Bliss is a financial advisor at NewEdge Advisors with 11 years of industry experience. He holds a Series 63 designation and has a background as an attorney, practicing law since 1991. He has worked at Mission Trails Financial since 2015 alongside his role at NewEdge Advisors. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, retirement plans, corporations, trusts, estates, and charitable organizations through independent adviser representatives. The firm offers a range of portfolio management and consulting services and employs multiple program structures incorporating in-house and third-party strategies, with an emphasis on centralized due diligence and technology integration.

Nicole Albrecht is a financial advisor with NewEdge Advisors and holds a Series 66 credential. She has 20 years of industry experience with prior roles at HUB Investment Partners, Avantax, Rawdin-Baron Financial, and 1st Global entities. Outside of her advisory role, she serves as CEO of Albrecht's Elite Investments, LLC, focuses on business tax and financial strategies through Elite Tax Partners, Inc., and is involved in nonprofit and community organizations including Mission Hope and the Murrieta Wildomar Chamber of Commerce. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers a broad range of portfolio management and consulting services, utilizing both in-house and third-party managers across multiple program structures, supported by centralized due diligence and technology tools.

Debbie Payne is a Series 65-licensed financial advisor with Brookstone Capital Management LLC, where she has worked since 2013. She has 12 years of industry experience and has been self-employed since 2009. Outside of her advisory role, she is a partner in Payson Financial, an insurance and financial services firm, alongside her spouse. Brookstone Capital Management is an SEC-registered adviser that provides fee-based asset management and financial planning services to a diverse client base, including individuals, retirement plans, corporations, charitable organizations, other RIAs, sovereign wealth funds, and banking institutions. The firm delivers investment management primarily through discretionary model portfolios and managed accounts and supports a large advisor network with back-office and turnkey asset management platform services.

Matthew Fallesen is a financial advisor with Primerica Advisors in Temecula, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at Edward Jones, Guardian Life Insurance Company, Farmers Financial Solutions, and Farmers Insurance. Outside of advising, he is the founder and CEO of Redy U, Inc., a life skills education company, and is involved in teaching and performing classical music with local colleges and the San Diego Master Chorale. He is also the author of *The Art of Phone Sales*. Primerica Advisors serves a broad retail client base with transaction-based brokerage and fee-based advisory services, offering financial planning, retirement-plan consulting, and business consulting. The firm employs a range of investment strategies through proprietary and third-party managers and supports various account-level services including lending solutions and donor-advised fund options.

Robert Otwell is a financial advisor with Commonwealth Financial Network in Fallbrook, CA, holding a Series 66 designation and 21 years of industry experience. He has been associated with Lincoln Park Financial Group and Commonwealth Financial Network since 2004. Outside of his advisory role, he serves as an executor for family members per their wills. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, providing operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Rhonda Maxwell is a financial advisor at Stratos Wealth Partners, Ltd with 33 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. She has been with Stratos Wealth Partners and affiliated LPL Financial since 2020. Stratos Wealth Partners provides advisory services to a diverse client base, including individual investors, trusts, charitable organizations, corporations, and retirement plans. The firm offers an open-architecture Strategic Wealth Management platform that supports both advisor-managed and model-based portfolios and employs a range of affiliated and third-party sub-advisors to implement customized investment strategies.

Christopher Milton is a Certified Financial Planner (CFP®) with 34 years of industry experience. He has been with J. W. Cole Advisors, Inc. since 2013. Milton also operates Milton Wealth Advisors, which involves selling fixed insurance products. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions.

Michael Lambrix is a financial advisor with Kestra Advisory in Fallbrook, CA, holding a Series 66 credential and bringing 25 years of industry experience. He previously worked for Commonwealth Financial Network for 12 years before joining Kestra Advisory and Kestra Investment Services, LLC in 2025. Outside of his advisory role, Lambrix is the owner of Monarch Retirement Group, where he manages strategic operations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, supporting recommended investments with due diligence on performance, fees, and process.

John Brown is a Series 66–licensed financial advisor with 18 years of industry experience. He is currently with Transamerica Retirement Advisors, LLC and has previously worked at firms including Raymond James & Associates, Hartford Funds, and Invesco Advisers. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm relies on Morningstar Investment Management for portfolio construction and oversight, and serves a large client base primarily with non-discretionary assets.

Aaron Johnson is a financial advisor with Transamerica Retirement Advisors, LLC in Temecula, CA, holding Series 63 and Series 66 licenses with four years of industry experience. His prior work includes roles at Fidelity Investments and Transamerica Investors Securities, LLC. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs and investment education services. The firm uses proprietary software and model portfolios from Morningstar Investment Management to provide personalized asset allocation and retirement guidance.

Adriana Beltran Romeo is a financial advisor with TLG Advisors, Inc. She holds a Series 66 designation and has six years of industry experience. Her prior roles include positions at Simplicity Investments, Lincoln, Ascensus, TD Ameritrade, and Edward Jones. TLG Advisors serves a diverse client base including individuals, trusts, pension plans, and institutional investors, providing portfolio management, financial planning, and ERISA-related fiduciary services. The firm’s investment process emphasizes manager selection and monitoring using fundamental analysis and Modern Portfolio Theory, with a mix of sub-advised accounts and a direct-to-consumer digital program called Starlight Portfolios.

William Standridge is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2017, following a year at HSBC Bank USA, N.A. The firm serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment advisory programs alongside execution and custody services. Citigroup Global Markets is notable for its large institutional scale, in-house research capabilities, and specialized market roles such as security-based swap dealing and futures commission merchant activities.

Anthony Valdez is a financial advisor at Empower Advisory Group with 13 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC, Mr. Market Brewing Co, LPL Financial, LLC, and Empower Financial Services, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, their participants, and certain retail brokerage clients. The firm’s integrated approach leverages proprietary and third-party methodologies focusing on long-term portfolio returns and annual rebalancing within the framework of Empower’s recordkeeping and administrative platforms.

Megan Johnson is a CFP® professional with 13 years of experience in financial advising. She is currently with Kestra Advisory Services, LLC, having joined in 2025 after a decade at Commonwealth Financial Network. She is also a 16.5% owner of Monarch Retirement Group, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients, including large plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions.