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.

Lianne Larson is a financial advisor with Independent Financial Group, LLC in Irvine, CA, holding Series 63 and Series 65 registrations and bringing 23 years of industry experience. She has been affiliated with Independent Financial Group since 2022 and also serves as president of LNL Retirement, LLC, a DBA used for marketing purposes. Larson is additionally an officer and director at KDM Meridian. 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 services, utilizing a range of platforms and combining in-house and third-party manager models to deliver investment strategies tailored to clients’ risk profiles.

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.

Dalal Sallman is a financial advisor at HSBC Securities (USA) Inc. with 21 years of industry experience. She holds Series 66 and Series 63 licenses and has been with HSBC Bank USA N.A. since 2014. Based in Irvine, CA, she serves clients through a range of managed account programs offered by her firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using multiple program types including client-directed and fully discretionary options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and third-party providers, managing both discretionary and non-discretionary portfolios with operational features such as an Offshore Spectrum program for qualified non-resident aliens.

Randy Takayama is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His work history includes roles at TKYM, Inc., FirstService Residential, and World Financial Group. Outside of advisory work, he performs internal audits in property management at FirstService Residential. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms to deliver its services.

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.

Andreas Ispas is a Series 66 licensed advisor with PlanMember Securities Corporation and has experience working with Brancov Financial Services and in educational roles at Marymount Manhattan College and Santa Monica College. He provides administrative and trade support as well as fixed insurance sales and services through Brancov Financial Services. PlanMember Securities Corporation offers retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios to support its comprehensive education, planning, and support services.

Anil Patel is a financial advisor with HSBC Securities (USA) Inc. based in Irvine, CA, holding a Series 66 designation and 25 years of industry experience. He has worked with HSBC Securities since 2013 and also serves as a Bank Officer for HSBC Bank USA, N.A., where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through multiple program types ranging from client-directed to fully discretionary solutions. The firm’s investment process employs five model risk profiles and integrates asset allocation advice developed with HSBC Global Asset Management, relying on affiliated and third-party providers for advisory and fund selection services.

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.

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.

Adam Hancock is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with several organizations, including LegacyShield Solutions, Inc., and the Freedom To Live Foundation, where he serves as a consultant and mentor for independence training programs for spinal cord injured individuals. Additionally, he is involved with the Student Debt Solution Center, assisting clients in identifying appropriate government repayment plans for their student loans. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement investment strategies across multiple platforms such as Transamerica ONE and TFA365, managing regulatory assets of approximately $1.7 billion.

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.

Nicholas Lancaster is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been affiliated with Transamerica Financial Advisors and Next Level Concepts Inc since 2012, and has worked with World Financial Group, Inc. since 2008. Lancaster is also the owner of Next Level Concepts Inc, a pass-through entity. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm employs model portfolios and third-party managers across multiple platforms, managing approximately $1.7 billion in regulatory assets under management.

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 with Sanctuary Advisors, LLC, holding a Series 63 designation and 34 years of industry experience. His career includes roles at UBS Financial Services from 1998 to 2020, Wells Fargo Clearing from 2020 to 2024, and Sanctuary Securities since 2024. Outside of advisory work, he is a co-owner of Kennedy's On Monroe, a local market in La Quinta, CA, that sells Mexican food and plants. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, charitable organizations, trusts, and retirement plans. The firm offers customized investment programs through various account structures and utilizes multiple sub-advisors and third-party platforms to implement strategies.

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.

Eileen Rice is a financial advisor with Primerica Advisors and holds a Series 66 designation. She has 27 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she teaches aspects of the Living Balance Sheet software and its underlying philosophy as a faculty member. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level features such as lending solutions and tax management.

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.