Benjamin Duggan is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Berkley Capital Management, Key Investment Services LLC, Key Bank, and MetLife. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated approach tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Jalen Lee is a financial advisor at Primerica Advisors with a Series 66 designation and experience spanning several firms including Park Avenue Securities, Guardian Life Insurance Company, Marine Street Financial, and REV77. His background also includes teaching roles at Arizona State University, Hamilton High School, and Bogle Junior High School. Park Avenue Securities serves a diverse retail client base through both brokerage and advisory services, offering proprietary and third-party investment programs along with financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies and account services.

Joseph Mamer is a financial advisor at Oppenheimer with 40 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc and RBC Capital Markets Corporation. Outside of his advisory role, he serves as trustee of his late uncle’s estate, managing scholarship distributions for the children of his uncle’s nieces and nephews. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as discretionary and non-discretionary investment management, consulting, and retirement services. The firm employs strategic and tactical asset allocation and various investment vehicles, with client accounts periodically reviewed and held under qualified custody.

Rosa Lasnover is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also associated with Wfgia since 2001. Outside of her advisory role, she is an investor in W&J Operations LLC, a company involved in transporting legal merchandise within the United States. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory approach, supported by multiple program platforms and an advisor network managing approximately $1.7 billion in regulatory assets under management.

George Ebenhack is a financial advisor with Oppenheimer, holding Series 63 and Series 65 designations and bringing 53 years of industry experience. He has worked at Fahnestock & Co. Inc. since 2003. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers advisory and brokerage services encompassing discretionary and non-discretionary investment management, consulting, retirement services, and financial planning, with a focus on strategic asset allocation and manager selection.

Shannon Foster is a CFP® professional with six years of industry experience, currently serving at Schwab Wealth Advisory, Inc. since 2019. Prior to joining Schwab, Foster worked at The Vanguard Group and has experience in both financial advisory and retail sectors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients within the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations supported by proprietary research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., with a distinctive model that does not involve discretionary trading authority by advisors.

Brian Zimmerman is a financial advisor at Independent Financial Group, LLC with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Independent Financial Group since 2012. Outside of his advisory role, Zimmerman serves as president of the LE TIP networking group and is a board member of a local high school. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national field force and utilizes multiple advisory platforms and third-party managers to implement client investment strategies.

Nathan Moore is a CFA® charterholder affiliated with Independent Financial Group, LLC and has one year of industry experience. His prior roles include positions at EbitDATA CRE, The Niki Group, Cornerstone Family Center, and Blackstone Gaming. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services with a range of managed account options and utilizes both in-house and third-party investment models.

Maricela Ponce Zamalloa is a financial advisor at Principal Financial Services with 27 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Principal Securities Inc. and Principal Life Insurance since 2000. In addition to her advisory role, she serves as a bank officer to support and manage Principal retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, 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 solutions, with investment implementation often handled on a discretionary basis by TPMMs.

Adem Abate is a financial advisor at Corient in San Diego, CA, holding Series 63 and Series 65 licenses with five years of industry experience. His prior firms include UBS, Penserra Securities, JP Morgan Chase Bank, and AXA Advisors. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and utilizes risk management tools and stress testing to align portfolios with client objectives.

Brian Hebert is a CFP® and Series 65-licensed advisor with Corient, based in San Diego, CA, and has three years of industry experience. His prior work includes positions at Baker Tilly US, LLP and Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies and third-party managers, supported by continuous portfolio monitoring and risk management tools.

Cristina Michel is a Series 66-licensed financial advisor with four years of industry experience. She is currently with Independent Financial Group, LLC and previously worked at LPL Financial, LLC and Independent Capital Management. Outside of her advisory roles, she has experience with Gelato Paradiso and has been involved with the Sherman Heights Community Center and UC San Diego. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that serves individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement plan services, managing approximately $11.3 billion in assets through a national network of Investment Adviser Representatives.

Michael Gottman is a CFP® with eight years of industry experience, currently serving at First Citizens Investor Services, Inc. in San Diego, CA. Prior to joining First Citizens in 2025, he worked at The Vanguard Group, Inc. from 2017 to 2025. He also has a background that includes employment at Goldman Realty and a role at San Diego State University. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities. The firm employs a client process centered on financial needs assessment and applies fundamental, quantitative, and technical analysis to portfolio allocation across various asset classes.

Kendrick Uyeda is a Series 65-licensed financial advisor at Corient with 13 years of industry experience. He has worked at Corient and its affiliated entities since 2022 and previously spent 25 years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses risk management tools and stress testing to align portfolios with client objectives.

Joshua Harlan is a financial advisor with Hightower Advisors in San Diego, CA, holding a Series 65 designation and eight years of industry experience. He has previously worked at Delphi Private Advisors and Sunrise Capital Partners. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, emphasizing manager selection and multi-manager solutions through affiliated and third-party managers. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, supported by proprietary research and a variety of investment vehicles.

Margoth Romero is a CFP®-certified financial advisor at Hightower Advisors with 12 years of industry experience. She has worked at Hightower Advisers, LLC since 2019 and also has a long tenure at Delphi Private Advisors beginning in 2013. Hightower Advisors offers investment advisory and planning services to a diverse client base including individual and institutional investors. The firm’s approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers across various investment vehicles and strategies.

Benjamin Richey is a CFP® with 22 years of industry experience, currently affiliated with Eagle Strategies (NY Life) since 2014. He has worked with New York Life Insurance Company and Nylife Securities LLC since 2003. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers a variety of advisory programs, emphasizing tailored recommendations and managing the majority of its assets on a non-discretionary basis.

John Wolff is a financial advisor with Eagle Strategies (NY Life) in Escondido, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes long-term service with Eagle Strategies and New York Life Insurance Company since 1997, alongside operating Lens Financial & Insurance Solutions. Outside of advisory work, he is the owner of Terebinth Ventures Inc., a mobile application focused on theology study. Eagle Strategies serves a diverse client base including individuals and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Michael Moon is a financial advisor with Commonwealth Financial Network, holding CFP® and Series 63 credentials and bringing 41 years of industry experience. His prior career includes 23 years at Lincoln Financial Advisors and operating his own practice, Michael W. Moon, for 27 years. He is co-owner of Moon Wealth Management, LLC, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, investment management, compliance, and practice management. The firm offers diverse investment programs such as PPS Custom and PPS Select model portfolios, emphasizing a platform that allows advisors discretion in portfolio construction.

Timothy Linaugh is a financial advisor with TLG Advisors, Inc. in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at The Leaders Group Inc, Lincoln Investment, and Capital Analysts Inc. He is also involved as a Sales Vice President at Pacific Southwest Financial, where he assists insurance producers with life insurance product design and underwriting. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm provides investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, utilizing a research approach based on fundamental analysis and Modern Portfolio Theory.