Liliana Fahel is a financial advisor with Voya Financial Advisors, Inc. in Redlands, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has worked at Voya since 2017 and previously at GWFS Equities, Inc. for one year. Outside of her advisory role, she has been involved with Cubano Cigars and Tobacco for over a decade and acts as an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors serves a diverse range of clients, including individuals, institutional investors, and retirement plan sponsors, offering financial planning, portfolio management, and consulting services. The firm provides advice primarily through non-discretionary relationships and operates as both an SEC-registered investment adviser and broker-dealer with multiple program structures and affiliated offerings.

Joshua Cervantes is a financial advisor with Valic Financial Advisors in Glendale, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at New York Life Insurance Co, NYLIFE Securities LLC, BBVA Compass, and Agia, where he is also appointed as an agent to sell non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Austen Karr is a financial advisor at Kestra Advisory with 15 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Raymond James Financial Services from 2015 to 2026. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients, offering services that include fiduciary consulting, plan design, and advisor-managed accounts. The firm serves a diverse client base, including large institutional investors and sovereign wealth funds, and supports multiple management platforms and third-party solutions.

Michele Medugno is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Voya since 2014 and has also worked at Teaque Financial Insurance Services, Inc. since 2002. Outside of her advisory role, she operates as an independent insurance agent. Voya Financial Advisors, Inc. serves a diverse range of clients, including individuals, institutions, and retirement plan sponsors, offering financial planning, portfolio management, and consulting through various program structures. The firm primarily provides non-discretionary advice and operates as both an SEC-registered investment adviser and a broker-dealer.

Thomas Hanna is a CFA® with nine years of industry experience, currently serving as a financial advisor at Farther since 2024. He previously worked at Charles Schwab & Co., Inc., Citi Wealth Management, and Bank of America/Merrill Lynch. Farther provides discretionary investment management and advisory services primarily to individual investors, trusts, and estates through a combination of a digital platform and in-person meetings. The firm’s investment approach is based on Modern Portfolio Theory, utilizing proprietary model portfolios and algorithmic rebalancing with a focus on ETFs, mutual funds, individual equities, and fixed income.

Tim Mcdonald is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Valic Financial Advisors since 2005 and is also affiliated with Agia, where he serves as an agent involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models and providing various overlay options to tailor client portfolios.

Tom Rosenbaum Jr. is a CFP®-certified financial advisor with Valic Financial Advisors, where he has worked for 24 years. He holds the Series 66 designation and has 26 years of industry experience. In addition to his advisory role, he is an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Daniel Garcia is a financial advisor at VOYA Financial Advisors, Inc. with 13 years of industry experience. He holds the Series 66 designation and has worked previously at Edward Jones and Bank of America, N.A. Since 2022, he has participated in financial literacy education by presenting to schools through the Securities Industry and Financial Markets Association. VOYA Financial Advisors, Inc. serves a diverse client base, including individual and institutional clients such as retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm offers a variety of financial planning and investment management services, emphasizing non-discretionary, recommendation-based advice delivered through multiple program structures.

Rose Bizarro is a financial advisor with Valic Financial Advisors in Glendale, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Her prior roles include positions at Centaurus Financial, Inc., Steadfast Companies, and Money Concepts Capital Corp. Outside of her advisory work, she hosts foreign exchange students in her home on a temporary basis. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Justin Morin is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at JP Morgan Securities, JP Morgan Chase Bank, and Wells Fargo, with his current tenure at Citigroup beginning in 2017. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and operates with a scale and structure that includes in-house research, swap dealer activities, and specialized lending solutions.

Steven Coute is a ChFC®-designated financial advisor with Transamerica Financial Advisors, based in Riverside, CA, and has 16 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has additional experience with other firms and business activities, including a leadership role as Unit Commander for the Chino Valley Young Marines, a nonprofit youth leadership organization. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to charitable organizations and corporations, offering both advisory and broker-dealer services with a variety of proprietary and third-party investment programs.

Paul Cooper is a financial advisor with Commonwealth Financial Network, holding the CFP® and ChFC® designations and possessing 40 years of industry experience. He has been affiliated with Commonwealth Financial Network since 2006 and is also the owner of Cooper Associates, a securities business he has operated since 1985. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm provides operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

James Vukovich is a financial advisor at PNC Wealth Management with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at PNC since 2021. His prior experience includes roles at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and COMPASS Bank, spanning over a decade. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees. The firm utilizes algorithm-driven risk assessments and delegates portfolio implementation to third-party managers.

Larry Rollins is a financial advisor with Transamerica Financial Advisors holding Series 65 and Series 63 licenses and has one year of industry experience. In addition to his role at Transamerica, he has experience in mortgage origination and real estate brokerage, supervising two Realtors and providing broker price opinions. He is also involved in mortgage loan origination through Vintage Lending. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs available on discretionary and non-discretionary platforms.

Salli Wells is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 65 credentials and having 41 years of industry experience. She has been with Voya Financial Partners since 2014. Outside of her advisory role, she is also an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors, Inc. serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides a variety of services such as financial planning, portfolio management, wrap programs, and plan-sponsor consulting, primarily through non-discretionary, recommendation-based arrangements.

Hien Huynh is a financial advisor at PlanMember Securities Corporation with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with multiple firms, including Parsonex Securities and Parsonex Insurance Agency. Outside of his advisory role, he coordinates a community-based cooperative that partners with local farmers and companies to provide organic and sustainable products. PlanMember Securities Corporation offers retirement-plan advisory services to employers and plan participants, focusing on strategic asset allocation and risk-based mutual fund portfolios. The firm provides education and support through seminars, personalized planning, and participant services while acting as an ERISA Section 3(38) fiduciary for many plans.

Kent Cooper is a financial advisor with Centaurus Financial, Inc. in Redlands, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Centaurus Financial since 1998 and has additional experience in tax preparation and accounting services as an enrolled agent. Cooper also manages a property in Redlands, dedicating time to property management alongside his advisory work. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning and portfolio management services through its CLASSIC Plus platform, utilizing a combination of fundamental and technical analysis, and offers both discretionary and non-discretionary investment arrangements.

Sam Young is a financial advisor with Integrity Alliance, LLC, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. He has been affiliated with Brokers International Financial Services, Nylife Securities, LLC, and New York Life Insurance Co. for over a decade. Outside of advising, he serves as head elder at Loma Linda Chinese Seventh Day Adventist Church and works as a principal consultant in IT, alongside his role as president and CEO of Sam Young Financial Services. Integrity Alliance provides advisory and brokerage services to individual investors, corporations, and qualified retirement plans through a large network of advisors managing approximately $5.4 billion in assets. The firm offers diversified investment management through discretionary accounts, model portfolios, and third-party sub-advisers, combining multiple allocation strategies with operational support unique among large advisory enterprises.

Gregory Gower is a CFP® with 10 years of industry experience, currently with Voya Financial Advisors, Inc. since 2018. He previously worked at Advised Assets Group, LLC and GWFS Equities, Inc. Gower is also an independent insurance agent specializing in fixed insurance products. Voya Financial Advisors, Inc. serves a diverse client base, including individuals, retirement plan sponsors, and institutions, offering financial planning, portfolio management, and consulting services. The firm provides advice mainly through recommendation-based, non-discretionary relationships across multiple program structures.

Steven Hadder is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Independent Financial Group since 2022 and has been with NPB Financial Group since 2009. Outside of his advisory work, Hadder volunteers as a committee member for the University of Redlands Hall of Fame and serves as a tournament director for the Inland Empire Senior Golf Association. 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 a range of advisory programs through its AccessPoint platform and third-party asset managers, managing approximately $11.3 billion in regulatory assets with a national network of Investment Adviser Representatives.