Margaret Kelly is a financial advisor at Centaurus Financial, Inc. with two years of industry experience. She holds a Series 66 designation and has operated Kelly and Associates since 2011, where she is also involved in tax preparation as an enrolled agent. 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 both discretionary and non-discretionary portfolio management and utilizes a variety of investment analysis approaches and specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Randal Brown is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Centaurus since 2010. Brown serves as a volunteer board member and consulting CEO of California Friends Homes. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, and foundations. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services with both discretionary and non-discretionary arrangements.

Amanda Skrivanich is a CFP® professional with 11 years of industry experience. She is currently with EP Wealth Advisors and has previously worked at Fidelity Personal and Workplace Advisors and other wealth management firms. EP Wealth Advisors is a registered investment adviser serving individuals, corporate 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 for qualified clients.

Bettina Marie Banzon is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has one year of industry experience. Her prior work includes a brief tenure at Morgan Stanley and involvement with Bomber Eyewear. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution and custody services. The firm integrates internal standards and oversight committees to select and monitor investment managers and provides solutions that include discretionary and non-discretionary accounts, mutual funds, ETFs, alternative funds, and digital asset exposure.

Raymond Kinjo is a financial advisor with Eagle Strategies (NY Life) in Anaheim, CA, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has worked with Eagle Strategies, New York Life, and NYLife Securities LLC since 2014 and operates Kinjo Insurance and Financial Services, focusing on brokering non-registered insurance products. Kinjo is also an author, having written a book sharing his personal and family experiences. Eagle Strategies serves a diverse client base, including individual investors and institutional sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides multiple program types tailored to client objectives and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Rodrigo Muro is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has worked at Citi bank, Israel Discount Bank of New York, IDB Capital Corp., Bank of New York Mellon, Torrey Pines Bank, and Banc of California. Outside of his advisory role, he owns AVEA LLC, a retail business selling vitamin and supplemental products. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs along with broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles including in-house research, swap dealing, and futures commission merchant services.

Donna Woodruff is a CFP® with nine years of industry experience, currently serving as an advisor at EP Wealth Advisors since 2026. Prior to this, she worked at Capital Insight Partners for nine years. She is also the President of the Financial Planners Association Arizona, a role she began in 2026. EP Wealth Advisors is a registered investment adviser serving individuals, business clients, and retirement plans. The firm offers customized wealth management, financial planning, and ancillary services, using a combination of fundamental, technical, and cyclical analysis to manage portfolios and provide fiduciary services.

Rachelle Fragnito Dufault is a financial advisor with Goldman Sachs Wealth Services in Newport Beach, CA, holding a Series 66 designation and bringing 28 years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2021 and previously spent 25 years with The Ayco Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals and institutional clients. The firm utilizes centralized investment resources and integrated solutions across affiliated entities to deliver tailored wealth management services.

Michele Sarna is a financial advisor at Beacon Pointe Advisors, LLC with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Beacon Pointe and its affiliated entities since 2017, as well as at Purshe Kaplan Sterling Investments and Integrated Wealth Management, Inc. Outside of her advisory role, she is a licensed insurance agent involved in the sale of life and accident/health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a broad range of individual and institutional clients, utilizing a combination of third-party independent managers selected through a formal due-diligence process. The firm offers discretionary wealth management, financial planning, retirement plan consulting, and outsourced CIO solutions, and sponsors proprietary investment vehicles including private funds and a registered interval fund.

Jonathan Deyoe is a financial advisor with EP Wealth Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously led Deyoe Wealth Management, Inc. for 19 years before joining EP Wealth Advisors in 2021. Outside of his advisory work, Mr. Deyoe is the founder and president of Mindful Money, a financial education business focused on writing, speaking, and workshops. 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 assistance, utilizing customized model portfolios and a combination of fundamental, technical, and cyclical analysis.

Richard Sandoval is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with several firms, including World Financial Group and American Funding Center, and operates a small accounting and tax practice serving several hundred clients. Additionally, he serves as a representative payee for his disabled son’s Social Security and in-home supported services. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory approach and offers multiple program platforms such as Transamerica ONE and TFA365.

Carlos Bautista is a financial advisor at EP Wealth Advisors in Torrance, CA, holding the CFP®, ChFC®, and Series 66 designations with 25 years of industry experience. His prior roles include positions at MassMutual Life Insurance Co, Mass Mutual Investors Services, and MBSC Securities Corporation. Bautista has been with EP Wealth Advisors since 2020. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation, offering customized model portfolios and ongoing portfolio monitoring using fundamental, technical, and cyclical analysis.

Douglas Misterly is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA, holding a Series 63 designation and over 33 years of industry experience. He has been with Centaurus Financial since 2005 and also has a long tenure at Industrial Alliance Pacific Blue Cross starting in 2000. Outside of his advisory role, he is a licensed captain and owner of a sailboat charter business on weekends and serves as a volunteer member of the City of Huntington Beach Investment Advisory Board. Centaurus Financial, Inc. serves a diverse client base including individuals, families, businesses, and foundations, offering financial planning, portfolio management, and retirement-plan consulting. The firm utilizes a mix of fundamental and technical analysis and provides both discretionary and non-discretionary investment services.

Michael Goldfader is a financial advisor at Sanctuary Advisors, LLC with 35 years of industry experience. He holds a Series 63 designation and has worked at UBS Financial Services, Wells Fargo Clearing, and Sanctuary Securities. Outside of finance, he is co-owner of a local market in La Quinta, California, that sells Mexican food and plants. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports independent advisors with a variety of portfolio management options and employs multiple investment approaches while acting as a fiduciary under written advisory agreements.

Brian Waldner is a CFP® and CFA® with nine years of industry experience. He is currently with EP Wealth Advisors in Torrance, CA, where he has worked since 2024, following prior roles at Kahler Financial Group, Clarfeld Financial Advisors, and Natixis Investment Managers. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, financial planning, and ancillary services, employing customized model portfolios and a range of investment strategies including fundamental, technical, and cyclical analysis.

Walter Goeltz III is a financial advisor at Centaurus Financial, Inc. with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Centaurus Financial since 2017, following six years at H.Beck, Inc. Outside of his advisory role, he is involved with several business entities related to tax planning and payroll services. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a combination of discretionary and non-discretionary arrangements, employing both fundamental and technical investment analyses.

Christine Kapp is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and bringing 23 years of industry experience. She worked at The Ayco Company, L.P./Mercer Allied Company, L.P. for 18 years before joining Goldman Sachs in 2021. Goldman Sachs Wealth Services advises a broad client base, including individual investors, corporate and employer-sponsored participants, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, integrating resources from across the Goldman Sachs ecosystem and employing advanced analytical tools and strategic allocation models.

Charles Kerprich is a financial advisor with Goldman Sachs Wealth Services holding a Series 66 designation and currently has one year of industry experience. His background includes roles at Goldman Sachs & Co. LLC and involvement with organizations such as Upper Dublin Parks & Recreation, Rolling Green Golf Club, and The 1912 Club. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, delivering financial planning, portfolio management, and specialized wealth programs. The firm integrates strategic allocation models and proprietary analytics across its advisory teams, leveraging the broader Goldman Sachs ecosystem to offer a wide range of services and investment solutions.

Kathleen Fox is a financial advisor with Eagle Strategies (New York Life) based in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior roles include positions at Anacapa Advisors, LLC and Burke & Quick Partners, as well as periods of self-employment. Outside of her advisory work, she serves on the board of the Kappa Kappa Gamma Sorority’s Delta Gamma Chapter, overseeing financial operations, and holds an officer role with the June Lake Loop Performing Arts Association, supporting cultural and arts initiatives. Eagle Strategies serves a diverse client base including individuals, retirement plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of investment adviser representatives. The firm offers multiple program types and focuses on tailored recommendations, with the majority of assets managed on a non-discretionary basis.

Guilherme Jubran is a financial advisor with Eagle Strategies (NY Life) based in Newport Beach, CA. He holds Series 63 and Series 66 licenses and has 15 years of industry experience. His career background includes roles at NYLIFE Securities LLC and New York Life Insurance Company. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.