Chad Cristo is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He worked at Putnam Retail Management for 30 years before joining Independent Financial Group in 2022. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base including individuals, trusts, corporations, and charitable organizations. The firm provides financial planning and portfolio management through multiple platforms, utilizing a combination of firm- and third-party models as well as strategic asset allocation across various risk profiles.

Sean Son Phan is a financial advisor with Eagle Strategies (NY Life) based in San Diego, CA. He holds Series 65 and Series 63 licenses and has six years of industry experience, including roles at Bankers Life Advisory Services, Inc. and New York Life. Outside of his advisory work, he is an independent contractor involved in insurance brokering with outside carriers. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions and managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Lars Ronten is a financial advisor at Guardian Life with seven years of industry experience. He holds the Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Edward Jones. His current roles include positions at Guardian Life and Park Avenue Securities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement consulting, and various investment advisory programs.

Megan Nielsen is a financial advisor at Integrated Wealth Concepts LLC with 17 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Integrated Wealth Concepts in 2026, she worked at Wealthspire Retirement Advisory, NFP Retirement, Inc., and Mutual of America in various roles from 2011 through 2026. Outside of her advisory work, Nielsen is a licensed real estate broker and serves as president of Fort Stockton Investments, Inc., which manages income generated from mining rights and interests. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a customized, long-term investment approach with a variety of mutual funds, ETFs, equities, and fixed income.

Derek Hess is a financial advisor with Integrated Wealth Concepts LLC, holding CPA credentials and possessing 19 years of experience at Duffy Kruspodin LLP prior to joining Integrated Wealth Concepts in 2025. He serves as a partner at Duffy Kruspodin LLP, a CPA firm. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, consulting, and family office services, employing customized portfolios with a long-term approach and utilizing mutual funds, ETFs, equities, and fixed income.

Andrew Mcnamara is a CFP® with 11 years of industry experience, currently serving with Corient in San Diego, CA. His career includes roles at Dowling & Yahnke, LPL Financial, and Foresters Financial Services. Corient provides investment advisory and financial planning services to a diverse client base, employing a goals-based, team investment approach that integrates in-house strategies with third-party managers and customized asset allocation. The firm offers specialized services through affiliates, including private fund capabilities and trust entities.

Benjamin Lucas is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory Inc. and previously worked at Dunham & Associates Investment Counsel, Inc. for a combined total of 10 years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering annual financial reviews and investment recommendations using standardized asset allocation models and Schwab research tools. The firm operates as an internal advisory unit within Charles Schwab & Co., Inc., focusing on tailored wealth management education without discretionary trading authority.

Noah Babin is a financial advisor at Mariner with 8 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Beacon Pointe Advisors, PKS Investments, and MODL Investments. Outside of financial advising, he is involved in youth sports coaching and sports psychology, serving as founder and coach for related organizations and acting as a youth hockey coach at Pacific Ridge School. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers investment management, financial planning, retirement plan consulting, tax services, and family office solutions, implementing customized portfolios through a combination of in-house research and third-party managers.

Patrick Thebus is a financial advisor with Primerica Advisors based in Escondido, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes multiple roles at Park Avenue Securities and Guardian Life Insurance Company dating back to 2011. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services along with financial planning and consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Alex Esposito is a financial advisor at Integrated Wealth Concepts LLC with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at OneDigital Investment Advisors LLC, Triad Advisors, Independent Capital Management, and Sagepoint Financial. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with mutual funds, ETFs, individual equities, and fixed income using primarily a long-term approach.

Allison Williams is a financial advisor with Stratos Wealth Partners, Ltd who holds the Series 66 designation and has 19 years of industry experience. She previously worked at Wells Fargo Clearing from 2007 to 2015 before joining LPL Financial, where she has been since 2015. Stratos Wealth Partners serves a wide range of clients, including high-net-worth individuals, retirement plans, charitable organizations, and corporations, offering financial planning, model portfolios, third-party manager solutions, and retirement plan consulting through a large network of investment adviser representatives. The firm combines individualized asset allocation with active monitoring and access to both proprietary and third-party strategies, supporting various fee arrangements and custodians.

James Reopelle is a Series 66 credentialed financial advisor with 42 years of industry experience. He has worked at Independent Financial Group, LLC since 2021 and was previously with Hornor, Townsend & Kent, Inc. for 25 years. He serves as Chair Emeritus on the board of the Sharp HealthCare Foundation. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and pension plans. The firm offers financial planning and portfolio management utilizing firm- and third-party models, combining passive and active investment strategies tailored to client risk profiles.

Kent Colwell is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 65 and Series 63 licenses and bringing 38 years of industry experience. He has worked at Transamerica Investors Securities Corporation and Transamerica Life Insurance Company since 2019, with prior roles at Intelligence Driven Advisers, LLC, Labrum Wealth Management, LLC, and RSM US Wealth Management LLC. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs, combining proprietary portfolio models and third-party expert input to provide tailored asset allocation and retirement guidance. The firm operates at scale with a large client base and focuses primarily on non-discretionary advice rather than standalone financial planning.

Ronny Inniger is a financial advisor with Independent Financial Group, LLC and holds a Series 66 designation. He has 19 years of industry experience, having previously worked at firms including U.S. Bancorp Investments, Bank of the West, and TIAA-CREF. Outside of his advisory role, Inniger is involved in several business activities, including ownership of a bar and grill and leadership roles in sports alliances that provide support and development services to athletes and professionals. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and both passive and active investment strategies through various platforms and third-party managers.

Luka Vujovich is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Systems Source and Strategic Furniture Group. He also offers insurance products outside of Guardian Life as an independent contractor. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services. The firm provides access to proprietary and third-party models, including a hybrid digital advisory platform, and offers tailored financial planning and retirement plan management options.

Arnold Adkins is a financial advisor with Empower Advisory Group in Oceanside, CA, holding Series 66, Series 65, and Series 63 licenses and nine years of industry experience. His prior work includes roles at Advised Assets Group, GWFS Equities, Park Avenue Securities, Guardian Life Insurance Company of America, and Mass Mutual. Outside of finance, he is a co-owner of Viscape Arts, an independent film production company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through integrated recordkeeping and administrative platforms with an emphasis on long-term portfolio returns and annual rebalancing.

David Rootes is a financial advisor at Integrated Wealth Concepts LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at Laurel Wealth Advisors since 2012 alongside his current role. Outside of advising, he owns Jonathan's Designs, LLC, a furniture manufacturing and design company. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through independent advisors under various d/b/a names. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing customized portfolios with a long-term focus and utilizing both internal and third-party management strategies.

Stephen Locko is a financial advisor with GWN Securities Inc. in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with GWN Securities since 2009 and is also involved with ISN Network and Resource Marketing Associates. Outside of his advisory role, Locko owns and operates Beachfront Tax LLC, a tax preparation facilitation business. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a large network of advisors. The firm offers discretionary managed accounts and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including legacy market-timing and momentum-based approaches.

Savanna Steed is a financial advisor with Stratos Wealth Partners, Ltd., holding Series 63 and Series 66 credentials and eight years of industry experience. Her prior roles include positions at LPL Financial, OSAIC, Triad Advisors, and Key Investment Services. Stratos Wealth Partners serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers financial planning, advisor-managed programs, model portfolios, and retirement consulting through a large network of investment adviser representatives utilizing both proprietary and third-party strategies.

John Podesto is a CFP® professional with 17 years of industry experience, currently serving at Independent Financial Group, LLC since 2023. He previously worked at LPL Financial for 15 years. Podesto is also an officer and director of LEOZO DREAMS, LLC, a financial consulting business. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence, offering both discretionary and non-discretionary portfolio management alongside financial planning services.