Kristina Bell Taylor is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with VOYA Financial Advisors since 2014 and previously worked at Voya Financial Partners, LLC and Cetera Wealth Services, LLC. Outside of her advisory role, she owns a commercial cleaning franchise business. VOYA Financial Advisors, Inc. is an enterprise-scale firm offering financial planning, portfolio management, and retirement advisory services to individuals, institutions, and corporate clients. The firm combines in-house and external strategies, utilizing technology and both discretionary and non-discretionary account management to serve a diverse client base.

Darlene Pachot is a financial advisor with VOYA Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with VOYA Financial Advisors since 2014 and has a concurrent role at UCLA since 1999. Outside of her advisory work, she serves as a visiting preacher involved in public speaking. VOYA Financial Advisors, Inc. is an enterprise-scale firm offering financial planning, portfolio management, and retirement advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to manage client relationships, providing both non-discretionary and limited discretionary investment management.

Bob Tan is a financial advisor at VOYA Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various entities affiliated with Voya Financial since 2007. In addition to his advisory role, he is an independent insurance agent. VOYA Financial Advisors, Inc. is an enterprise-scale firm providing financial planning, portfolio management, unified managed accounts, and retirement advisory services to individuals, institutional clients, and charitable organizations. The firm offers a broad product shelf through a large network of investment adviser representatives and combines in-house and external strategists with technology tools to manage primarily non-discretionary client relationships.

Ian Ott is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 designations and four years of industry experience. He co-owns Warmen & James Private Wealth, a private entity facilitating securities, advisory, and insurance business. Ott has worked at several firms, including Royal Alliance Associates and Mountain West Financial. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm provides a broad platform including managed account programs, third-party asset manager access, retirement consulting, and custody services.

Violeta Mendez is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Voya since 2016 and previously worked at Valic Financial Advisors for 13 years. In addition to her advisory role, she is an independent insurance agent selling fixed insurance products. Voya Financial Advisors, Inc. is an enterprise-scale firm offering financial planning, portfolio management, and retirement advisory services to individuals, plans, charities, and corporations. The firm combines in-house and outside strategies with technology-enabled tools to deliver both discretionary and non-discretionary investment management through a broad network of advisors.

Sean Muhlstein is a CFP® professional with 20 years of experience in financial advising. He has been with VOYA Financial Advisors, Inc. since 2015 and previously worked at Wells Fargo Clearing. Outside of his advisory work, he is involved in fiction writing and community education on opera, delivering lectures with audio and video presentations. VOYA Financial Advisors, Inc. is an enterprise-scale firm serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, and retirement advisory services through a large network of advisers, combining model portfolios and technology-enabled tools with both discretionary and non-discretionary account management options.

Austin Bustamante is a financial advisor at Eagle Strategies (NY Life) with 17 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with firms including Blue Cedar Financial and Insurance Solutions and Generations Capital Strategies & Insurance Solutions. He is also involved in insurance brokering through his DBA, Blue Cedar Financial and Insurance Solutions, focusing on New York Life products and other insurance services. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

Albert Munoz is a financial advisor with PlanMember Securities Corporation in Redlands, CA, holding Series 63 and Series 66 licenses and with 29 years of industry experience. He has been with PlanMember since 2003 and also operates an independent insurance agency. Munoz serves as a director and treasurer on the board of The Grove School, where he oversees finance and budgeting. PlanMember provides retirement-plan advisory services to employers and participants, acting as a fiduciary for many plans and offering participant-level investment options. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios and delivers education and support services to plan sponsors and participants.

Paul Sprague is a financial advisor at Voya Financial Advisors, Inc. with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Voya Financial Advisors since 2014, following seven years at Voya Financial Partners, LLC. Outside of finance, he assists with an antique and estate jewelry business owned by his domestic partner, supporting show setups and sales activities. Voya Financial Advisors, Inc. provides financial planning, portfolio management, and retirement advisory services to individuals, plans, charities, and corporations. The firm utilizes investment policy statements, model portfolios, and technology-enabled tools to deliver both discretionary and non-discretionary management through a large network of advisors.

James Riner is a financial advisor at Centaurus Financial, Inc. with 46 years of industry experience. He holds the Series 63 designation and has worked at Centaurus Financial in two separate periods totaling 10 years, as well as three years at Crown Capital Securities, LP. He is also the owner of James Riner & Associates, a non-investment related business used for branding purposes. 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 financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements with a variety of analytical approaches.

Timothy Merwin is a CFP® professional at VOYA Financial Advisors, Inc. with eight years of industry experience. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he referees youth soccer games on weekends. VOYA Financial Advisors, Inc. serves individuals, pension plans, charitable organizations, and corporate clients, offering financial planning, portfolio management, third-party money manager access, and retirement advisory services. The firm employs a combination of in-house and external strategists and technology tools to implement client-focused investment strategies, primarily through non-discretionary accounts.

David Hilton is a financial advisor at VOYA Financial Advisors, Inc. with 39 years of industry experience and holds a Series 66 designation. He has worked at VOYA Financial Advisors since 2014 and previously spent nine years at Voya Financial Partners, LLC. Outside of his advisory role, he serves as a tour guide for underwater scuba diving tours at the Aquarium of the Pacific. VOYA Financial Advisors, Inc. offers financial planning, portfolio management, and retirement-plan advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to implement investment recommendations, providing both discretionary and non-discretionary account management.

Joe Marini is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Voya Financial Advisors and its affiliates since 2004. Outside of his advisory role, he is involved in managing rental properties. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer firm serving individuals, pension plans, charitable organizations, and corporate clients. The firm provides financial planning, portfolio management, and retirement-plan advisory services through a large network of representatives, using a combination of in-house and external strategies with a focus on both non-discretionary and limited discretionary management.

Lilia Hernandez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Merrill, Bank of America N.A., and LPL Financial. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with brokerage execution and custody services. The firm combines large institutional scale with specialized roles such as swap dealing and futures commission merchant activities.

James Ott is a financial advisor with Commonwealth Financial Network in Yucaipa, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes long tenures at Signator Investors, Inc. and OSAIC, followed by roles at Elevare Advisors and Warmen & James Private Wealth, where he is a co-owner. Commonwealth Financial Network serves a national network of advisors and their clients by providing a range of advisory programs, technology, and operational support. The firm offers multiple investment platforms and discretionary model portfolios while acting as a back-office provider for affiliated advisors.

Laura Ayon is a financial advisor at Empower Advisory Group with six years of industry experience. She holds a Series 66 designation and has worked at GWFS Equities, Inc., JPMorgan Securities LLC, and JPMorgan Chase Bank NA. Outside of her advisory role, she is an independent consultant for Paparazzi Accessories, a business selling jewelry and hair accessories. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

La Tanya Harris is a financial advisor with VOYA Financial Advisors, Inc. holding Series 63 and Series 65 registrations and 12 years of industry experience. Prior to joining Voya in 2017, she worked at Advised Assets Group, LLC and Michaels. Outside of her advisory role, she serves as a part-time faculty member at Long Beach City College, where she develops curriculum and teaches management courses focused on planning, organizing, leading, and controlling. VOYA Financial Advisors, Inc. is an enterprise-scale firm providing financial planning, portfolio management, and retirement advisory services to individuals, pension plans, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to deliver investment solutions, often operating in a non-discretionary capacity with client authorization for trades.

Damian Lozano is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and 13 years of industry experience. His background includes long-term roles in financial services and education, as well as managing a family-owned tax preparation service. He also engages in part-time office assistance for business purposes related to Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Mary Carruthers is a CFP®-designated financial advisor with 42 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2009. Outside of her advisory role, she serves as president of H.M. Bradley Properties, LLC, where she manages mineral interests and related administrative responsibilities. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Danny Payne is a financial advisor with LPL Financial in Redlands, CA, holding Series 63 and Series 66 registrations and bringing 25 years of industry experience. He previously worked at National Planning Corporation for 14 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and various strategic investment options.