Colleen Gepp is a Certified Financial Planner (CFP®) with 28 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at HoyleCohen, LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term investment approach that combines active and passive strategies within a tax- and fee-sensitive framework and offers a broad range of fiduciary, tax, business management, and family office services.

Jonathan Yokoyama is a financial advisor with Principal Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior firms include Mass Mutual Investors Services, MassMutual Life Insurance Company, Bankers Life Securities, and AXA Advisors. He also engages in the sale of various insurance products, including life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Benjamin Treadwell is a financial advisor with First Citizens Investor Services, Inc., holding Series 65 and Series 66 licenses and bringing 22 years of industry experience. His background includes 15 years at LPL Financial, two years at D.A. Davidson, and one year at Solomon Edwards before joining his current firm in 2025. First Citizens Investor Services, Inc. provides investment advisory, brokerage, and licensed insurance services to individuals, pension plans, corporations, and charitable organizations. The firm employs a mix of strategic and tactical asset-allocation approaches and offers both discretionary and non-discretionary management, with services including portfolio management through model portfolios, separately managed accounts, and an automated Guided Investing platform.

Alexis Cannon is a financial advisor at Commonwealth Financial Network with 12 years of industry experience. She holds the Series 66 designation and has been with Commonwealth since 2015. Based in San Diego, CA, Alexis works within a national firm that supports a large network of advisors. Commonwealth Financial Network is a registered investment adviser serving approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, including discretionary model portfolios, personalized indexing, and retirement plan consulting, while providing operational, technological, and compliance support to its affiliated advisors.

Aaron Puttroff is a CFP® professional with 18 years of experience, currently affiliated with Primerica Advisors. He has worked extensively with Park Avenue Securities and Guardian Life Insurance Company since 2007. Outside of his advisory role, he serves on the executive committee of Provisors and is an adult quartermaster for Scouting America Troop 676. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services including financial planning and retirement consulting. The firm employs a range of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

David Boothby Jr. is a financial advisor at Commonwealth Financial Network with nine years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years and Texas Hydraulics Inc. for twenty years. Outside of his advisory role, he is a co-owner of Cedarwood Financial Partners, LLC, a private entity established to facilitate advisory business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs including wealth management and retirement plan consulting. The firm provides operational, trading, technology, and compliance support while enabling advisors to construct client portfolios from diverse securities and insurance products.

Nikola Novakovic is a financial advisor at Primerica Advisors with 11 years of industry experience. He holds a Series 66 designation and has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory role, he is co-owner of several LLCs involved in family tax planning and business operations assistance for foreign nationals. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across multiple platforms.

Shelley Pearson is a financial advisor at Commonwealth Financial Network with 26 years of industry experience. She holds Series 65 and Series 63 credentials and has worked previously at CUSO Financial Services, LP, Independent Financial Group, and Capstone Investments. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of nearly 2,900 advisors serving individual and institutional clients. The firm offers a range of managed-account programs, access to third-party asset managers, and custodial services, providing both discretionary and nondiscretionary portfolio management options.

Todd Beckmann is a CFP® professional with 15 years of experience in the financial services industry. He has worked at Kestra Advisory since 2018 and previously held roles at Foresters Advisory Services and Foresters Financial Services. Beckmann serves as Treasurer on the board of a homeowners association and manages an entrepreneurial venture, Beckmann Enterprises LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan-level investment advice, and pooled plan solutions, serving clients such as plan sponsors and large institutional investors.

Elliot James is a financial advisor with Cerity Partners LLC, holding Series 63 and Series 65 credentials and three years of industry experience. His prior experience includes roles at Northwestern Mutual Investment Services LLC and Entrewealth, LLC. Cerity Partners provides customized wealth management services to a diverse national clientele, including individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation and manager selection strategies, offering services such as portfolio management, financial planning, retirement consulting, and access to private-market investments.

Tracy Yang is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 10 years of industry experience. She has worked at Transamerica Financial Advisors since 2015 and Fastrack Financial Corporation since 2022, where she is an owner. Yang is also affiliated with World Financial Group, Inc. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio approach implemented through third-party managers and platform providers, supported by a large network of advisors and multiple program platforms.

Jason Shapiro is a financial advisor with Primerica Advisors who holds a Series 63 designation and has 16 years of industry experience. His prior work includes roles at Northwestern Mutual and Guardian Life Insurance Company. He serves as a board member for the Foundations Board at El Cab and owns JShap Financial, Inc. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports various account-level services, including securities-based lending and donor-advised funds.

Efren Ortiz Espinoza Jr. is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 license and one year of industry experience. Prior to joining Wealth Enhancement, he worked at LPL Enterprise LLC and held outside employment with Athleisure Inc. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by providing financial planning, asset management, and retirement-plan consulting. The firm manages over $122 billion in assets, employing a diversified investment approach that blends passive and active managers guided by an internal Investment Committee.

Garrett Gates is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Guardian Life and Park Avenue Securities, with prior experience at Northwestern Mutual Wealth Management Company. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs through discretionary and non-discretionary relationships.

Tyler Venegas is a financial advisor with Empower Advisory Group holding a Series 66 designation and five years of industry experience. His prior work includes roles at Merrill, Vanguard Advisers, TIAA-CREF, and USAA Investment Services Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, leveraging integrated platforms tied to recordkeeping and administration. The firm emphasizes long-term portfolio returns and offers both point-in-time financial plans and optional managed account solutions.

Matthew Pratt is a Series 66-registered financial advisor with Commonwealth Financial Network, based in San Diego, CA. He has been with Commonwealth since 2015 and has 11 years of industry experience. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform, including managed-account programs, third-party asset manager access, retirement consulting, and comprehensive custody and clearing services.

Colin Roesler is a CFP® and CFA® with nine years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and has previously worked at BNY Mellon, J.P. Morgan Securities, JPMorgan Chase Bank, and Morgan Stanley. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm utilizes a strategic investment approach combining passive and active management, supported by quantitative and fundamental research and an internal Investment Committee.

Daniel Engel is a financial advisor with TLG Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His prior roles include work at Holdsworth & Co and Pitch It Forward, and he is also involved with JAG Legacy & Insurance Solutions as an independent insurance agent. Engel has volunteered with the Miracle League of San Diego since 2005. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory and portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios that combines fundamental analysis with Modern Portfolio Theory.

Nicholas Clark is a financial advisor at Primerica Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, and MML Investors Services. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, with a range of proprietary and third-party investment programs and integrated financial planning and consulting solutions.

Chau Lai is a CFP® and ChFC® with 28 years of experience in the financial services industry, currently affiliated with Guardian Life and Park Avenue Securities. His career includes long-term roles at both firms since 1999 and 2002, respectively. He serves as Vice Chair of the Philanthropy Committee on the UC San Diego Alumni Board. Park Avenue Securities, doing business as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser owned by The Guardian Life Insurance Company of America. The firm provides financial planning, retirement consulting, and investment advisory services to individuals, charitable organizations, and corporate clients.