Gabriela Heffernan is a financial advisor with Principal Financial Services who holds a Series 66 designation and has 25 years of industry experience. Her prior roles include positions at CUNA Brokerage Services, Cuna Mutual Group, and Lincoln Financial Advisors. She also serves as a bank officer supporting Principal retirement plan account relationships across the firm’s insurance, broker, and trust services. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under both advisory and promoter arrangements.

Maarten Kerstens is a CFP® with 13 years of industry experience, currently serving at EP Wealth Advisors. His prior experience includes roles at The Vanguard Group, Inc., Thompson Wealth Management, and Harbour Investments, Inc. Outside of advising, he is also an independent insurance agent. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, employing customized model portfolios with a mix of fundamental, technical, and cyclical analysis.

Michael Chechel Jr. is a financial advisor at EP Wealth Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Executive Wealth Management, LLC, EWM Tax Solutions, LLC, and Private Client Services LLC. Outside of his advisory work, Chechel is involved in managing income and taxes through his ownership of MC3 Financial Planning Corp. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm employs customized model portfolios and combines fundamental, technical, and cyclical analysis, incorporating alternative investments and private fund recommendations when appropriate.

Natalia Amato is a financial advisor at EP Wealth Advisors with 12 years of industry experience. She holds a Series 66 designation and has worked at several firms, including Cetera Investment Services LLC and Finestone Partners. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, using customized model portfolios and a combination of fundamental, technical, and cyclical analysis.

Michael Ramirez Jr. is a CFP® and holds a Series 65 license with 15 years of industry experience. He has been with EP Wealth Advisors since 2018 and previously worked at Private Asset Management, Inc. for eight years. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios and combines fundamental, technical, and cyclical analysis, with additional strategies including short-term trading and alternative investments when appropriate.

Robert Mccarty is a financial advisor at EP Wealth Advisors with nine years of industry experience. He holds a Series 65 designation and has worked at EP Wealth Advisors since 2022. In addition to his advisory role, he serves on the board of Prism Analytics, Inc., a technology start-up specializing in predictive analytics for supply chain issues, where he provides advice and counsel to executive leadership. EP Wealth Advisors provides wealth management, discretionary portfolio management, and financial planning services to individuals, corporate clients, and retirement plans. The firm uses a combination of fundamental, technical, and cyclical analysis to construct customized portfolios and offers additional services including tax preparation and estate-document assistance for clients meeting certain asset thresholds.

Tom Nguyen is a CFP® professional with eight years of experience at EP Wealth Advisors and 17 years previously at The Capital Group. He serves as an advisory board member and chair of the finance and investment committee for the Friendship Foundation, a nonprofit supporting individuals with developmental disabilities. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans, offering customized wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis along with alternative investment strategies, and provides tax preparation and estate-document services to qualifying clients.

Daiana Kelleyian is a CFA® charterholder and holds a Series 66 license with 12 years of industry experience. She has been with EP Wealth Advisors since 2019 and previously worked at City National Rochdale, RIM Securities, LLC, and City National Bank. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation, using customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Robert Whited II is a financial advisor at Creative Planning with four years of industry experience. He holds the CFA® designation and Series 63 license. Prior to joining Creative Planning in 2022, he worked at NFP Retirement, Inc. and North Pier Fiduciary Management, LLC, and was self-employed for 15 years. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process emphasizing low-cost indexing and buy-and-hold strategies, supplemented by direct indexing, tax-loss harvesting, and other portfolio management techniques.

Armando Estevane is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with EP Wealth Advisors and has previously worked at JP Morgan Chase Bank and Fidelity Investments. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans with wealth management, discretionary portfolio management, and financial planning services. The firm offers customized model portfolios and incorporates a range of investment strategies, including alternatives and private fund recommendations, while providing ancillary services such as tax preparation and estate-document assistance for qualifying clients.

Ryan Kuhn is a CFP® professional affiliated with EP Wealth Advisors in Torrance, California, with four years of industry experience. His prior work includes roles at Pathlight Investors and Wageworks, as well as academic positions at Arizona State University. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, businesses, and retirement plans. The firm offers customized wealth management, discretionary portfolio management, and financial planning services, incorporating a range of investment strategies and ancillary services such as tax preparation and estate-document assistance for qualifying clients.

German Amaya Jr. is a financial advisor with Citigroup Global Markets holding Series 65 and Series 66 licenses and two years of industry experience. His prior work includes positions at Bank of America, Merrill, JP Morgan, and Amazon, among others. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm combines large institutional scale with unique market roles, implementing multi-asset, multi-manager strategies through discretionary and non-discretionary programs.

Daniel Potter is a financial advisor with EP Wealth Advisors in Torrance, California. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining EP Wealth Advisors, he worked at TBFM, LLP and spent eight years at Boise State University. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a variety of investment strategies.

Thomas Quinn is a CFA® charterholder with nine years of industry experience. He is currently with EP Wealth Advisors and previously served at Cornercap Investment Counsel, Inc. for 35 years, where he also held the position of CEO. EP Wealth Advisors is a registered investment adviser serving individual, corporate, and retirement plan clients. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services, using customized model portfolios and a combination of fundamental, technical, and cyclical analysis.

Henry Degooyer is a CFP® with six years of industry experience, currently serving as a financial advisor at EP Wealth Advisors in Torrance, CA. His prior experience includes roles at The Insight Group Inc. and Integrated Financial Group, LLC. EP Wealth Advisors is a registered investment adviser that serves individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides customized wealth management, discretionary portfolio management, and financial planning services, utilizing a combination of fundamental, technical, and cyclical analysis along with recommendations for alternative investments and private funds.

Anita Ravani is a Series 66 licensed financial advisor with 12 years of industry experience, currently with Citigroup Global Markets since 2023. Her prior roles include positions at Raymond James & Associates, DA Davidson Companies, Stifel Nicolaus & Co Inc, and Morgan Stanley. Outside of her advisory work, she serves as an adjunct professor at California State University Los Angeles. Citigroup Global Markets serves individual and institutional clients across a broad range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, and provides a variety of custody, execution, and advisory services.

Tammi Reinders is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Coordinated Capital Securities, Inc. for 21 years before joining Centaurus Financial in 2020. Outside of her advisory role, she is a co-owner of Reinders Tax, a tax preparation business. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning and portfolio management through its CLASSIC Plus platform, employing a mix of fundamental, technical, bottom-up, and top-down analysis.

Hansen Champlin is a financial advisor with Independent Financial Partners who holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior experience includes roles at LPL Financial and Unify Federal Credit Union, where he currently serves as Vice President overseeing insurance product distribution. He is a board member of the Irlen Syndrome Foundation, a nonprofit focused on raising awareness and funding research related to the condition. Independent Financial Partners is a nationwide enterprise that provides investment advisory, financial planning, trust, and retirement-plan services through an extensive network of independent advisers. The firm supports a multi-advisor platform managing over $12.5 billion in assets and offers a decentralized advisory model allowing customized investment strategies alongside centralized asset management and retirement-plan consulting.

Pei Li Wang is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. She holds a Series 63 designation and has worked at Integrated Wealth Concepts since 2024. Outside of her advisory role, Wang is a partner at Windes, Inc., a CPA firm, where she has served since 2000. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, utilizing customized portfolios with a long-term investment approach combined with tactical rebalancing and oversight of third-party managers.

Alexander Deherrera is a financial advisor at Focus Partners Wealth, LLC with 12 years of industry experience. He holds a Series 65 designation and has worked at Churchill Management Group since 2011, joining Focus Partners Wealth in 2025. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity and combines active and passive strategies within an enhanced open architecture framework.