Alfred Gesing is a financial advisor at Realta Investment Advisors, Inc. with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Avantax Advisory Services, LPL Financial, and Realta Equities. Realta Investment Advisors provides discretionary and non-discretionary investment advisory services and financial planning to individuals, pension and profit-sharing plans, and institutional clients. The firm emphasizes individualized advice through asset allocation strategies and offers services such as portfolio management, retirement-plan consulting, and estate planning.

Jennifer Ralston is a financial advisor with Financial Gravity Family Office Services, LLC, holding a Series 65 license and five years of industry experience. She has worked at Financial Gravity since 2022 and previously at Forta Financial Group, Inc. She is also the president and tax preparer at Intelligent Tax Solutions, Inc., a non-investment related company. Financial Gravity Family Office Services, LLC provides tailored financial planning, investment supervisory and management services, pension consulting, and educational seminars to individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm uses a range of investment strategies and frequently works with third-party sub-advisors while maintaining client oversight.

Tiberiu Negulescu is a financial advisor at Silver Oak Securities, Incorporated with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with Silver Oak Securities since 2007. Outside his advisory work, he is involved in life insurance sales through a part-time business and operates an eBay store. Silver Oak Securities serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, and estates through a large network of financial professionals. The firm offers a range of advisory programs and emphasizes discretionary investment management tailored to client objectives and risk tolerances.

Ladislao Kalmar is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has held positions at multiple firms including Petersen International Underwriters and WealthWave, and is involved with several business ventures such as Kalmar & Associates and Galarraga Engineering Consultant. Additionally, he works as an agent for Champion Health, focusing on employer/employee health benefit plans. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver its services through multiple program platforms.

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.

Victoria Blackwell Rivas is a financial advisor with Commonwealth Financial Network, holding Series 66 and Series 63 registrations and seven years of industry experience. She has worked at Commonwealth since 2021 and has held roles at San Diego State University and TD Ameritrade Institutional since 2018. 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 offers 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.

Richard Olson is a financial advisor at Integrity Alliance, LLC with 17 years of industry experience. He holds the Series 66 designation and previously worked at H. Beck, Inc. for nine years before joining Integrity Alliance in 2020. Outside of his advisory role, Olson operates an independent insurance agency focused on fixed insurance products. Integrity Alliance serves individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm offers asset management, financial planning, retirement consulting, and access to third-party manager programs, employing a range of portfolio management approaches across various investment vehicles.

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.

Sergey Lyubyatinskiy is a financial advisor at GWN Securities Inc. with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Equitable Advisors and AXA Advisors. Outside of his advisory role, he is also involved in fixed insurance and annuity business as an agent. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies from traditional asset allocation to legacy market-timing and momentum-based methods.

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.

Brent Engelhardt is a financial advisor with D.A. Davidson & Co., holding a Series 66 designation and bringing 16 years of industry experience. He has been with D.A. Davidson since 2013. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm operates under fiduciary standards and provides a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and specialized wealth management for clients with over $20 million in net worth.

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.

Sun Dinh is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. His prior roles include positions at BBVA Wealth Solutions, CUSO Financial Services, Bank of America, and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and delegates portfolio management to approved strategists.

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.