Nevin Garcia is a financial professional at GWN Securities Inc. with one year of industry experience. Prior to joining GWN Securities, he held roles at Northwestern Mutual Investment Services LLC, Northwestern Mutual Life Insurance Company, HNTB Corporation, and Foss Maritime Company. Outside of his advisory work, Garcia provides ski instruction for a youth ski and snowboard program and offers pet sitting services. GWN Securities serves individual and corporate clients through a range of managed account programs and financial planning services. The firm uses a combination of affiliated and unaffiliated sub-advisers and employs both traditional asset allocation and tactical trading strategies in its portfolio management.

Rosemary Martinez is a financial advisor with Principal Financial Services in Burbank, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Principal since 1998 and also has a longstanding role at Principal Life Insurance Company beginning in 1996. Martinez serves as a bank trust officer, a position that supports the management of Principal retirement plan accounts across multiple business lines. Principal Securities provides brokerage and registered investment advisory services to individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Tony Yang is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with in-house research and oversight, supporting both discretionary and non-discretionary investment solutions.

Cindy Pheng is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Her prior roles include nine years at JP Morgan Securities and over three decades at Modern Jewelers. She is also co-owner of two private rental property entities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains notable institutional scale with unique market roles.

Janice Vuong is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her background includes roles at Anneta Insurance Solutions, Morgan White Group, Delta Dental, and several health and dental insurance services, focusing on providing insurance solutions including Medicare plans. She offers health, dental, and vision insurance options alongside her financial advisory work. Transamerica Financial Advisors serves a diverse range of clients, including individual investors, pension plans, and charitable organizations, providing both advisory and broker-dealer services through proprietary and third-party investment models.

Linxin Chen is a financial advisor at Citigroup Global Markets with 13 years of industry experience. Chen holds Series 63 and Series 66 registrations and has previously worked at East West Bank, Cetera, Bank of America, and Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles and arrangements.

Vincent Chan is a financial advisor with Eagle Strategies (NY Life) based in Los Angeles, CA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. His background includes roles at Ares Management LLC and the UCLA Anderson School of Management. Outside of his advisory work, he provides in-home support services assisting his mother with daily needs. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages the vast majority of its assets on a non-discretionary basis.

Asif Faheem is a financial advisor with GWN Securities Inc. in Los Angeles, CA, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at GWN Securities since 2023 and is currently associated with Pension 101 as a financial specialist. Faheem is also co-owner of AAAAF LLC, a holding company formed for tax purposes that maintains a long-term investment account. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm operates a large network of advisors and offers a range of managed-account programs with both traditional and legacy market-timing investment strategies.

Jeffrey Wu is a financial advisor at Citigroup Global Markets with 16 years of industry experience. His prior work includes roles at Cetera, CTBC Bank, Googain Inc., and Wells Fargo. He holds Series 63 and Series 65 licenses. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options and operates with a combination of large institutional scale and specialized market roles.

April Zee is a financial advisor at First Citizens Investor Services, Inc. with 16 years of industry experience. She holds the Series 66 designation and has worked at firms including Kestra Advisory and D.A. Davidson & Co. April is also affiliated with First Citizens Bank. First Citizens Investor Services serves individuals, pension and profit-sharing plans, charitable organizations, and corporate entities, offering advisory and brokerage services through IARs and third-party Portfolio Managers. The firm employs a client process focused on financial needs assessments and uses fundamental, quantitative, and technical analysis to allocate among various asset classes.

Yelena Vayner is a financial advisor at Capital Group Private Client Services, Inc. with eight years of industry experience. She has previously worked at Wells Fargo Bank and Capital Bank & Trust Company. She holds the Series 66 designation and is based in Los Angeles, CA. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach called the "Capital System" that emphasizes fundamental research and a long-term horizon. The firm implements client portfolios through separately managed accounts, affiliated funds, and alternative investment vehicles.

Jonathan Taylor is a CFA® charterholder with 18 years of industry experience. He is currently an advisor at Capital Group Private Client Services, Inc., having joined in 2025. Prior to this, he worked at City National Rochdale for six years and Merrill Lynch for 12 years. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations. The firm employs a multi-manager approach based on fundamental research and a long-term horizon, offering access to separately managed accounts, pooled funds, and alternative investment strategies.

Marilyn Johnson is a financial advisor with TLG Advisors, Inc. in Los Angeles, CA, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She previously worked at Gold Coast Securities, Inc. for 17 years before joining Simplicity Investments in 2026. Outside of advising, she is a self-employed actor and crew member in TV and film productions. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on investment supervisory services, portfolio management, and financial planning using manager selection and modern portfolio theory, also offering a digital program called Starlight Portfolios for direct-to-consumer investing.

Jason Phan is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Creative Planning since 2018. Prior to joining Creative Planning, he worked for The AYCO Company, L.P./Mercer Allied for eight years. He holds the Series 66 license and is based in Monterey Park, CA. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supported by a broad array of affiliated legal, trust, and retirement plan service businesses.

Esteban Camacho is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. His prior work includes roles at Park Avenue Securities, US Hybrid, and teaching positions at Cal State Northridge, Cerritos College, and Mayfair High School. He also engages in insurance business outside of Guardian Life. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers advisor-led discretionary management alongside model-based strategies and digital solutions, integrating a range of proprietary and third-party platforms.

Sean Kazangian is a financial advisor with Eagle Strategies (NY Life) based in Glendale, CA. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Life Insurance Company, California State University Northridge, Discount Medical Pharmacy, and City Tennis. Eagle Strategies serves a diverse client base that includes individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

Hugo Flores Jr. is a financial advisor with Empower Advisory Group in Whittier, CA, holding Series 63, Series 65, and Series 66 designations and bringing 17 years of industry experience. His prior work includes roles at GWFS Equities, Inc., H. Beck, Inc., Ameriprise, and Principal Financial Services. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates, integrating services with Empower’s recordkeeping and administrative platforms.

Ani Atnos is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Citibank and CGMI since 2012. Outside of her advisory work, she provides in-home supportive services to disabled individuals, including assisting her father with daily activities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, brokerage execution, and custody services. The firm utilizes multi-asset, multi-manager strategies with internal oversight and includes specialized roles such as swap dealer and futures commission merchant.

Anush Haddadian is a financial advisor at Independent Financial Partners with 21 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Securities America, Verus Capital Partner, LPL Financial, and Premier America Credit Union. Outside of advising, Haddadian provides in-home health care services for family members. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving a broad client base and provides both discretionary and non-discretionary account management with a notable focus on retirement-plan advisory and pension consulting.

Mary Ghobry is a financial advisor with First Citizens Investor Services, Inc. in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. Her prior experience includes seven years at Wells Fargo Clearing and fourteen years at Wells Fargo Bank, N.A. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and business entities. The firm employs fundamental, quantitative, and technical analysis to allocate assets across equities, fixed income, mutual funds, and ETFs, and offers a range of portfolio management and financial planning services.