Margaret Marapao is a CFP®-designated financial advisor with 11 years of industry experience. She is currently affiliated with Commonwealth Financial Network and is the owner of SagePointe Wealth Management, LLC. Her prior experience includes roles at Integrity Wealth Advisors, LPL Financial, Securities America, Derby & Derby, and Pacific Global Investment Management Company. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm provides a broad support platform including managed-account programs, access to third-party asset managers, and custody services.

Jacob Nash is a financial advisor with Planmember Securities Corporation, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with multiple firms throughout his career, including Northern Life, United Presidential Life, and John Alden Life. Nash is also involved in other business activities, including retirement planning and college preparation consulting. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as a fiduciary under ERISA Section 3(38) for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, offering educational and support services to plan sponsors and participants.

Faith Ann Jenkins is a financial advisor with Planmember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Planmember since 2013. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual-fund portfolios, also delivering education and support services such as seminars and personalized retirement planning.

Donald Bennett is a financial advisor with Planmember Securities Corporation, holding a Series 63 license and bringing 31 years of industry experience. He has held leadership roles in multiple business entities related to structured settlement products, pharmacy benefit administration, and fixed income investments, including serving as CEO of Platinum Insurance Marketing and President of HealthMed Solutions, Inc. Bennett is based in Carpinteria, CA. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive, while also offering education, personalized planning, and support services to plan sponsors and participants.

Erik Dullenkopf is a CFP® professional with 18 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and is co-owner and managing member of Screaming Eagle Wealth Management, a private entity involved in securities, advisory, and insurance business. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including portfolio management, trading, technology, compliance, and practice management, with advisors having discretion to construct client portfolios using various securities and insurance products.

Peter Sharpe is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with PlanMember since 2006 and has been self-employed since 2002. Outside of advising, he performs with local bands and owns a retail drum sales business. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm’s investment approach is based on a top-down strategic asset allocation framework and management of risk-based mutual fund portfolios ranging from conservative to aggressive.

John Massar III is a financial advisor with Cetera Planning Partners who holds Series 63 and Series 66 licenses and has 15 years of industry experience. His prior roles include positions at Avantax Planning Partners, TIAA-CREF, and D.A. Davidson & Co. He is based in Oxnard, CA. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, and retirement-related advice. The firm’s approach emphasizes diversified mutual fund and ETF allocations aligned with client objectives, supported by additional services such as tax planning, bookkeeping, and estate-planning through external providers.

Zachary Bullard is a CFP® and Series 65-licensed advisor at Mariner with four years of industry experience. He previously worked at Pierson Wealth Management and One Capital Management. His background includes diverse roles extending from financial advising to periods focusing on travel. Mariner serves a wide range of clients, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and coordinated tax services, utilizing discretionary, customized portfolios supported by an internal team and third-party managers.

Spencer Crithfield is a financial advisor with PlanMember Securities Corporation holding a Series 65 designation and beginning his advisory career in 2025. Prior to joining PlanMember, he worked in various roles including at Central Plateau Cleanup Company, Prime Lending, and held positions in educational institutions such as Westmont College and Richland High School. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans and offering a range of participant-level investment options. The firm employs a strategic asset allocation framework with risk-based mutual fund portfolios and supports clients with education, seminars, and personalized retirement planning.

Thomas Hanna is a financial advisor with Cetera Planning Partners, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has previously worked at Avantax Planning Partners and Avantax Advisory Services, and he is also a partner at Carey & Hanna CPA's, a tax preparation and accounting firm. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm integrates diversified portfolios built from mutual funds and ETFs with additional services such as tax planning, bookkeeping, payroll support, and estate-planning through third-party providers.

Russell Charvonia is a CFP® and ChFC® with 42 years of experience, currently serving as an advisor at Mariner. His background includes roles at Purshe Kaplan Sterling Investments, Channel Islands Financial Group, and Channel Islands Law Group, where he also practices as an estate planning attorney. Outside of finance, he is involved in mediation services, serves on the board of the Worldwide Civility Council, and has authored books, including a children's series. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering comprehensive investment management, financial planning, and retirement plan consulting. The firm’s approach combines discretionary, customized portfolios supported by in-house research and third-party managers, with a notable depth of tax and accounting integration alongside unique administrative and financial wellness services.

Emily Reagan is a financial advisor at D.A. Davidson & Co. with eight years of industry experience. She has held her current position since 2017 and also worked at California State University from 2015 to 2018. She holds a Series 66 designation. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and using both qualitative and quantitative analysis in its investment recommendations.

Terrall Janeway is a financial advisor with PlanMember Securities Corporation, holding a Series 63 license and 28 years of industry experience. He has been with PlanMember Securities since 1998. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its asset allocation portfolios. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, while also providing education and support services to plan sponsors and participants.

Ralph Hemphill is a financial advisor at PlanMember Securities Corporation with a Series 66 credential and one year of industry experience. His prior work includes various roles at the University of California Santa Barbara and other educational and coaching positions. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework combined with risk-based mutual fund portfolios and delivers education, support services, and personalized retirement planning to plan sponsors and participants.

Jayne Mansfield is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at Commonwealth Financial Network, United Capital Financial Advisers, Girard Securities, and LPL Financial. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and manages approximately $79.8 billion in assets, with access to multiple management platforms and third-party solutions.

Nathan Cha is a CFP® and holds a Series 66 license with five years of industry experience. He currently works at Mercer Global Advisors Inc. and has prior experience at UBS Financial Services and Merrill. He previously worked at Illy coffee and Westmont College. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory, financial, tax, retirement, estate planning, and family office services. The firm uses a Modern Portfolio Theory-based approach, emphasizing globally diversified, risk-appropriate portfolios with various investment vehicles and offers specialized services such as retirement plan consulting and charitable advisory.

Patrick Lynn is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. He holds Series 63 and Series 65 licenses and has 27 years of experience in the industry, including 23 years with Planmember Securities. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios with periodic rebalancing, while also delivering education and support services to plan sponsors and participants.

Janine Northway is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. She holds Series 63 and Series 65 licenses and has eight years of industry experience. Outside of her advisory role, she works in event security at the Santa Barbara Bowl through Miller Event Management. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation framework and manages risk-based mutual fund portfolios, while also offering education and support services to plan sponsors and participants.

Christopher Sullivan II is a CFP® professional with 15 years of industry experience, currently affiliated with Cetera Planning Partners. His career includes roles at multiple Cetera and Avantax entities, as well as Carey & Hanna, CPAs. Outside of his financial advisory work, he is involved in lifestyle fitness coaching, providing strength training programming and diet planning as a consultant and trainer. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees, with services including investment management, financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, and estate planning through affiliated providers, and emphasizes diversified investment allocations aligned with client objectives and risk tolerance.

Kevin Twohy is a financial advisor at Planmember Securities Corporation with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Planmember since 2003. Outside of his advisory role, he is involved in marriage education and relationship workshops through businesses he founded and leads. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive.