Franklin Portillo is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with various entities within the Charles Schwab organization since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm utilizes Charles Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Aaron Puttroff is a CFP® professional with 19 years of experience, currently affiliated with Guardian Life. He has held concurrent roles at Park Avenue Securities and Guardian Life Insurance Company since 2007. Outside of his advisory work, he serves on the executive committee of Provisors and is an ambassador for the Renaissance Executive Forum, in addition to acting as an Adult Quartermaster for a local Boy Scout troop. 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 plan consulting, and a range of advisory programs that include proprietary and third-party portfolios.

Michael Mohr is a financial advisor with Integrated Wealth Concepts LLC in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at Lincoln Financial Advisors before joining Integrated Wealth Concepts and LPL Financial, where he has been since 2019. He also operates The Mohr Financial Group, a non-variable insurance business. 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, and family office services, employing customized portfolios of mutual funds, ETFs, equities, and fixed income with a primarily long-term investment approach.

Robert Molinari is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Commonwealth since 2008. Outside of his advisory role, he serves as an advisor to OmniClient, Inc., a consulting firm based in Poway, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a nationwide network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Nikola Novakovic is a financial advisor at Primerica Advisors with 11 years of industry experience. He holds a Series 66 designation and has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory role, he is co-owner of several LLCs involved in family tax planning and business operations assistance for foreign nationals. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across multiple platforms.

Paul Dunnicliffe is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 18 years of industry experience. He is also the owner of Lago Wealth Management, LLC, which facilitates securities, advisory, and insurance business. His prior experience includes six years at TIAA-CREF. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a wide range of advisory programs and support services, including portfolio management and retirement plan consulting, while enabling advisors to construct portfolios from diverse securities and insurance products.

Ashley Aguayo is a financial advisor at Hightower Advisors with seven years of industry experience. She holds a Series 66 designation and has previously worked at firms including Triad Advisors, Strategic Wealth Advisors, and Flor & Associates Insurance Agency. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach features manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers a variety of portfolio construction strategies including mutual funds, ETFs, alternative investments, and custom indexing.

James Papas is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Charles Schwab and U.S. Bancorp Investments. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm utilizes customized discretionary portfolios supported by in-house research and third-party managers, with additional capabilities in tax integration and employer financial wellness solutions.

Matthew Banez is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He has over a decade of experience partnering with high net worth families, focusing on developing tailored financial strategies that align with their unique goals and situations. Prior to his current role, Matthew worked as a Senior Financial Consultant at TD Ameritrade from 2018 to 2020, and held roles at Scottrade Inc. including Branch Manager from 2017 to 2018 and Investment Consultant from 2012 to 2017. Matthew holds a California Insurance License, which complements his expertise in financial consulting. His approach is influenced by his personal background and dedication to understanding his clients' stories, enabling him to co-create appropriate financial strategies. Outside of his professional work, Matthew enjoys family activities, fitness, football, and outdoor adventures.

Gregg Whelan is a financial advisor at Oppenheimer with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at D.A. Davidson & Co. and Raymond James & Associates. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans through advisory programs that include portfolio management, consulting, and financial planning. The firm’s investment approach combines strategic and tactical asset allocation with various fee structures and supports both discretionary and non-discretionary management.

Lauren Mc Gowan is a CFP® and holds a Series 66 license with five years of industry experience. She currently serves at Corient and has prior experience with firms including Dowling & Yahnke, LLC and Charles Schwab. Mc Gowan is based in San Diego, CA. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and incorporates risk management tools and alternative investments where appropriate.

Luke Schork is a financial advisor with Integrated Wealth Concepts LLC in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked with Integrated Wealth Concepts since 2019 and previously with Independent Financial Partners and LPL Financial. Outside of his advisory role, he is also a licensed notary public. Integrated Wealth Concepts LLC serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing a long-term investment approach with customized portfolios constructed from mutual funds, ETFs, equities, and fixed income.

Todd Beckmann is a CFP® professional with 15 years of experience in the financial services industry. He has worked at Kestra Advisory since 2018 and previously held roles at Foresters Advisory Services and Foresters Financial Services. Beckmann serves as Treasurer on the board of a homeowners association and manages an entrepreneurial venture, Beckmann Enterprises LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan-level investment advice, and pooled plan solutions, serving clients such as plan sponsors and large institutional investors.

Nicole Trakimas is a CFP® professional with one year of industry experience, currently serving as a financial advisor at Principal Financial Services. Her prior work includes a one-year tenure at Edward Jones and over a decade at the Financial Industry Regulatory Authority. Outside of finance, she has been involved with Carruth Cellars Winery, where she occasionally assists with grape crushing, bottling, and tasting room activities as a hobby. Principal Financial Services offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory approach features direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both adviser and promoter arrangements.

Tracy Yang is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 10 years of industry experience. She has worked at Transamerica Financial Advisors since 2015 and Fastrack Financial Corporation since 2022, where she is an owner. Yang is also affiliated with World Financial Group, Inc. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio approach implemented through third-party managers and platform providers, supported by a large network of advisors and multiple program platforms.

Dominic Ramdin is a financial advisor at GWN Securities Inc. with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Next Membranes, Northrop Grumman Corporation, and the University of California, Los Angeles. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes investment strategies that include market-timing and momentum-based approaches.

David Hobbs is a CFP® and CFA® affiliated with Corient, with five years of industry experience. He previously worked at Bordeaux Wealth Advisors and Ernst & Young. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, trusts, pension plans, charitable organizations, and corporations. The firm employs a goals-based, team investment approach that combines in-house strategies with third-party manager solutions and utilizes risk management tools and stress testing to align portfolio exposures with client objectives.

Jason Shapiro is a financial advisor with Primerica Advisors who holds a Series 63 designation and has 16 years of industry experience. His prior work includes roles at Northwestern Mutual and Guardian Life Insurance Company. He serves as a board member for the Foundations Board at El Cab and owns JShap Financial, Inc. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports various account-level services, including securities-based lending and donor-advised funds.

Efren Ortiz Espinoza Jr. is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 license and one year of industry experience. Prior to joining Wealth Enhancement, he worked at LPL Enterprise LLC and held outside employment with Athleisure Inc. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by providing financial planning, asset management, and retirement-plan consulting. The firm manages over $122 billion in assets, employing a diversified investment approach that blends passive and active managers guided by an internal Investment Committee.

Garrett Gates is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Guardian Life and Park Avenue Securities, with prior experience at Northwestern Mutual Wealth Management Company. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of advisory programs through discretionary and non-discretionary relationships.