Teresa Mcalpine is a financial advisor at Threshold Compass Strategies, Inc. with 13 years of industry experience. She holds a Series 66 credential and has previously worked at LPL Financial and INVEST Financial Corporation. Teresa is also the author of a book titled *Financial Wealthstyle Archetypes*. Threshold Compass Strategies is an independent advisory firm that provides financial planning and consulting services to individuals and advisory firms. The firm focuses on planning and education, offering written recommendations and scenario modeling for life-transition events such as divorce financial analysis and estate coordination, without managing client assets directly.

Nicholas Green is the managing partner of FMT Investment Advisory, operating under Green Partners, LLC, with 21 years of experience in the financial advisory industry. He holds Series 63 and Series 65 designations and has led his independent firm since 2005. Based in Phoenix, AZ, he serves a diverse client base including individuals, high-net-worth clients, and business entities. FMT Investment Advisory is a fee-only registered investment adviser providing discretionary portfolio management, investment planning, and supervisory services. The firm manages approximately $24.4 million across about 43 clients, employing a combination of fundamental and technical analysis with a range of investable instruments including options and derivatives, and offers advisory services to corporate clients such as pension consulting.

David Kaucher is a Series 65-licensed financial advisor with Spectrum Wealth Advisors, LLC in Columbia, SC, where he has worked for 10 years. He has nine years of industry experience. Spectrum Wealth Advisors offers discretionary portfolio management and retirement-plan advisory services primarily to dental practitioners and pension or profit-sharing plans. The firm employs a long-term, buy-and-hold investment approach based on Modern Portfolio Theory, focusing on diversified passive investment vehicles and customized consulting on retirement plan design and participant education.

I’m John C. Pak, a Certified Financial Planner™ and founder of Otium Advisory Group. My mission is to help time-starved professionals—those who barely have time for lunch—cut through the noise and finally feel confident about their financial future. With a clear, no-fluff approach to retirement readiness, I create simple, effective strategies designed to fit real life—not a textbook. I believe financial planning shouldn’t feel like a second job, so I focus on what matters most, eliminating the jargon and complexity that gets in the way. Aside from my life-long devotion to personal finance, my other passion point is teaching. I've been presenting retirement literacy courses at select Southern California Universities since 2014. I believe… - If you are open to the idea of prioritizing, organizing, and purging, you will save time and money. - If you change the way you see things, you will change the way you do things. - If you find someone to go along with you on your financial journey, you will have more success. Take advantage of the complimentary consultation. I look forward to sharing my vision of how we can get you to the finish line.

Ronald Chan is a CFA® charterholder and the sole advisor at Lakeside Financial Inc. in Kirkland, WA, with 13 years of industry experience. He has been with Lakeside Financial since 2015. Outside of investment advisory, he spends significant time providing management consulting services, including financial analysis and strategic recommendations, notably for a corporate client in the furniture industry. Lakeside Financial is an independent, state-registered firm managing approximately $35 million for around 34 clients. The firm serves individuals, including high-net-worth clients, and business entities, offering investment management, financial planning, and management consulting. Its investment approach incorporates intrinsic-value, quantitative, and qualitative analysis across multiple asset classes and geographies, with features such as the use of margin, securities lending, and performance-based fee arrangements.

Stoy Hall is a CFP® with 14 years of industry experience and the principal of Black Mammoth LLC, an independent advisory firm based in Ankeny, IA. His prior experience includes roles at Centric Advisors, Majors and Mondragon, MWA Financial Services, and Modern Woodmen of America. Outside of his advisory work, he serves as president of the board for the Starts Right Here Movement and owns consulting firms LNC Financial and Legacy Fiduciary Services. Black Mammoth LLC offers discretionary portfolio management, financial planning, family office and wealth planning, retirement plan consulting, and business advisory services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporations. The firm manages accounts primarily on a discretionary basis using model portfolios and may engage third-party sub-advisers, while also sponsoring affiliated private funds and providing cash sweep programs.

Joshua Zorger is a CFP® and Series 66-registered financial advisor with 22 years of industry experience. He is the sole advisor at Fortitude Private Wealth, where he has worked since 2017. Prior to that, he was affiliated with Level Four Advisory Services and LPL Financial from 2014 to 2017. Fortitude Private Wealth is a fee-only independent advisory firm providing discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporate entities. The firm offers tailored investment programs and specialized ERISA retirement plan services, including pension consulting and fiduciary roles for qualified plans.

David Hartzell is the sole advisor at Cornell Capital Management, an independent firm based in Clarence Center, NY. He holds a Series 65 designation and has 26 years of experience with Cornell Capital Management. The firm serves a small group of primarily high-net-worth individuals, managing discretionary portfolios focused on equities and ETFs with a buy-and-hold, fundamental-analysis approach emphasizing dividend-paying stocks and sector ETFs. Cornell Capital Management offers tailored investment options and occasional limited financial planning services, with an emphasis on personalized client mandates and international diversification considerations.

Cuong Le is the sole advisor at LE Capital Management LLC in Orlando, FL. He holds a Series 65 designation and has two years of industry experience. Prior to founding LE Capital Management, he worked in academic roles at SIU Carbondale and Maryville University and had experience in leasing and homemaking. LE Capital Management is a fee-only registered investment adviser serving individual and high-net-worth clients with discretionary portfolio management. The firm employs a fundamentally oriented, value-driven approach focused on individual U.S. stocks and typically manages concentrated, diversified portfolios under an investment policy statement.

Alex is the founder of Clear Advisors, a fee-only financial planning firm based in Maryland. He founded the firm with a simple belief: investors are better served by focusing on the financial decisions they can control than by trying to predict the next market move or chase the next hot stock. Instead, Alex helps clients optimize the areas that have the greatest long-term impact on their financial lives—taxes, retirement income, investment costs, savings, and the countless planning decisions that shape financial success. Financial planning has been part of Alex's life for as long as he can remember. Having a father who spent a long career as a financial advisor gave him an early look at both the strengths and shortcomings of the traditional wealth management model. After earning a bachelor's degree in finance, becoming a CERTIFIED FINANCIAL PLANNER™ professional, and beginning his career advising clients on retirement, tax, and investment planning, Alex founded Clear Advisors to build the kind of firm he would want as a client: flat fees, no commissions, no asset gathering, and planning that goes far beyond just managing investments. What Alex enjoys most is uncovering planning opportunities that can make a meaningful difference in someone's financial future, whether it's identifying a Roth conversion strategy that could save substantial taxes over a lifetime, developing a retirement income plan that provides greater confidence, or helping clients make smarter financial decisions year after year. His goal is simple: to help clients keep more of what they've earned, reduce financial uncertainty, and retire with confidence.

Richard Doyle is a financial advisor at Doyle Investment Management with 24 years of industry experience. He has held the Series 63 and Series 65 designations and has been with Cornerstone Capital Management, Inc. since 2005. Doyle Investment Management provides investment supervisory services and financial planning to individuals, families, corporations, businesses, trusts, and estates. The firm manages client portfolios on a discretionary basis, primarily using Exchange Traded Funds (ETFs), and applies a combination of fundamental, technical, charting, and cyclical analysis to construct diversified portfolios aimed at managing risk.

David Steiner is the principal and sole advisor at Purple Dog Investments LLC in Springfield, NJ, with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera Advisors and Investors Capital Corp. Steiner also owns Zebulon Tax Advisory LLC, operates as a fixed insurance agent, and serves as an adjunct college professor teaching economics, finance, and math. Additionally, he has experience as a political campaign treasurer. Purple Dog Investments provides investment advisory and consulting services to individuals, including high-net-worth clients, primarily managing assets through model portfolios on the Charles Schwab platform. The firm offers discretionary management using predefined model allocations and integrates financial and tax planning services, with custody and execution conducted through Charles Schwab.

Zachary Berry Sr. is a financial advisor at Precision Wealth Advisors with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at MML Investors Services LLC, Northwestern Mutual, Verizon Wireless, and UPS. Precision Wealth Advisors LLC provides discretionary and non-discretionary portfolio management services to individual and high-net-worth clients, focusing on tailored investment strategies using ETFs, mutual funds, equities, and fixed income. The firm combines fundamental and technical analysis with modern portfolio theory and emphasizes long-term trading, offering clients ongoing portfolio monitoring and regular reporting.

Stephen Highsmith is the principal of Highsmith Financial Planning, LLC in Brownsburg, Indiana, with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has led his independent firm since 2009. Highsmith Financial Planning, LLC offers fee-only, hourly financial planning and investment advice focused on retirement, tax, insurance, estate, and education planning. The firm uses a fundamental, long-term, passive investment approach with low-cost index funds and emphasizes client responsibility for initiating periodic reviews.

Barbara Gulin is a financial advisor with BG Wealth Advisory, LLC, holding Series 63 and Series 65 licenses and having seven years of industry experience. She has been affiliated with BG Wealth Advisory and its related entities since 2014. Outside of advisory services, she is involved in insurance services as a managing member and insurance agent for BG Wealth Management, LLC. BG Wealth Advisory, LLC provides financial planning and consulting primarily to individuals, including high-net-worth clients, and refers clients to a single third-party money manager for portfolio implementation. The firm delivers written financial plans on a fixed-fee basis and offers public seminars on investment topics, while portfolio management and trading authority remain with the third-party manager.

Kevin Hsu is a Series 65-licensed financial advisor at Summit Gates Capital with eight years of industry experience. His prior work history includes roles at Vaco LLC, Exploding Kittens Inc., Broadata Communications, Clean Energy Fuels Corp., and Alna International LLC. Summit Gates Capital provides discretionary investment management mainly for individual and high-net-worth clients, focusing on U.S. equities through a process combining fundamental and technical analysis and managing concentrated portfolios of high-conviction ideas.

Benjamin Coats is the sole advisor at Coats Wealth Management in Gilbert, AZ. He holds a Series 65 designation and has prior work experience at Granite Lake Partners, Ascend Software, and Happy Paws Veterinary Partners. Coats Wealth Management is a registered investment adviser offering discretionary portfolio management, financial planning, and investment consulting to individuals, families, small business owners, professionals, and institutional clients. The firm employs a fundamental analysis approach with diversified asset allocation and provides client oversight through regular reviews and quarterly performance reports.

Matthew Hinkle is a CFP® professional with one year of experience at Hinkle Financial Services LLC. He has been a partner at Hinkle, Rhine & Root LLC, an accounting firm, since 2022 and previously worked at Hinkle, Richter & Rhine LLP for 14 years. Hinkle Financial Services LLC provides referral and advisory services by placing clients with third-party money managers and offering comprehensive financial planning and hourly consultations. The firm does not manage client portfolios directly but emphasizes selecting external registered managers and focuses on solicitor arrangements and hourly planning engagements.

Patrick Byrne is a financial advisor at Aspetuck Financial Management LLC in Fairfield, CT, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has been with Aspetuck Financial Management since 2005. Aspetuck Financial Management provides discretionary portfolio management and financial planning services to individuals, trusts, retirement accounts, and corporate clients. The firm uses a macro-driven, risk-managed portfolio approach based on Modern Portfolio Theory, offering diversified strategies across various asset classes and is notable for publicly disclosing performance results and providing ERISA 3(38) plan management and participant education.

William Adams is a financial advisor at Center Hill Wealth, LLC in Nashville, TN, with 17 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of his advisory work, he serves as secretary for G&L Acquisition, LLC, a real estate company based in Tennessee. Center Hill Wealth provides investment advisory services to individuals, trusts, corporations, and employer-sponsored retirement plans. The firm combines fundamental and technical analysis with sector research and both long- and short-term trading strategies, while also offering retirement plan consulting and oversight of third-party money managers.