John Gardner is a financial advisor at EP Wealth Advisors with six years of industry experience. He holds the CFP® and ChFC® designations and previously worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services LLC. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans with wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis to build customized model portfolios and offers ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Kamron Nahavandi is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. His prior roles include positions at MassMutual, The Prudential Insurance Company of America, and Fit Strategic Advisors LLC. He is also involved with FIT Planning Group, offering fixed and indexed insurance products. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation approaches and operates alongside its broker-dealer and insurance businesses, offering clients access to a wide range of proprietary and third-party investment programs.

Michelle James is a CFP® professional with recent experience at EP Wealth Advisors and prior roles at Charles Schwab and the Colorado Department of Homeland Security and Emergency Management. She has also worked in education and operated a small business, Mixing Bowl Cookie Dough, LLC. Michelle is currently based in Torrance, CA. EP Wealth Advisors is a registered investment adviser that serves individuals, corporate clients, and retirement plans, offering wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document facilitation for eligible clients. The firm employs customized model portfolios and a variety of investment strategies, including fundamental, technical, and cyclical analysis, while providing ERISA plan services and third-party manager oversight.

Frank Messano III is a financial advisor with Private Advisor Group, LLC, holding Series 66 and Series 63 credentials and 19 years of industry experience. His prior roles include positions at LPL Financial LLC, Strategic Wealth Advisors Group, and First Financial Equity Corporation. Outside of advisory work, he operated the 3D Studio Gallery for 16 years. Private Advisor Group serves a diverse client base, including individuals, business entities, trusts, estates, and charitable organizations, providing portfolio management, financial planning, and retirement-plan consulting. The firm offers a range of advisory programs supported by third-party asset managers and a proprietary WealthSuite separately managed account platform.

Rachel Melroy is a CFP® with 16 years of experience in financial advisory roles. She currently works at Capital Group Private Client Services, Inc. and has prior experience at Capital Bank and Trust Company. Capital Group Private Client Services, Inc. provides discretionary investment management primarily to high-net-worth individuals and charitable organizations. The firm’s investment approach is based on long-term fundamental research and employs multiple portfolio managers to tailor allocations according to client objectives, risk tolerance, and time horizon.

Timothy Mcvey is a CFP® with 40 years of industry experience, currently serving at Centaurus Financial, Inc. since 2004. He has been self-employed since 1986 and also works as a tax preparer and real estate broker. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through both discretionary and non-discretionary arrangements.

Maxon Seckman is a financial advisor at EP Wealth Advisors in Torrance, CA, holding a Series 65 designation with three years of industry experience. Prior to joining EP Wealth Advisors in 2025, he worked at Criterion Capital Advisors LLC and Dell Technologies. EP Wealth Advisors serves individual, corporate, and retirement plan clients with wealth management, financial planning, and ancillary services such as tax preparation and estate-document preparation. The firm utilizes customized portfolios with a combination of fundamental, technical, and cyclical analysis, incorporating alternative investments and third-party manager recommendations.

Kathleen Zwickl is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with 14 years of industry experience. She holds a Series 66 credential and has been with Centaurus since 2015. In addition to her advisory role, Kathleen provides life and legacy coaching focused on helping individuals and families uncover their gifts and preserve wealth across generations. Centaurus Financial, Inc. delivers advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements.

Neeraj Patel is a financial advisor with Capital Group Private Client Services, Inc. in Los Angeles, CA, holding a Series 65 designation and 14 years of industry experience. His prior roles include five years at Capital Bank And Trust Company before joining Capital Group Private Client Services. Capital Group Private Client Services, Inc. provides discretionary investment management and related services primarily to high-net-worth individuals and charitable organizations, focusing on relationships with a $5 million managed-relationship threshold and employing a multi-manager investment approach through affiliated pooled funds and separately managed accounts.

Cristopher Moran is a CFP®, CFA®, and holds a Series 66 license with 22 years of industry experience. He has been with EP Wealth Advisors since 2008. EP Wealth Advisors, LLC is a fee-only, independent registered investment adviser serving individuals, high-net-worth clients, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation, using a suitability-driven process and a range of investment options.

David Lawrence is a financial advisor with EP Wealth Advisors in Torrance, CA, holding Series 66 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at Executive Wealth Management, Dynamic Wealth Solutions, TD Ameritrade, and DWS Distributors. EP Wealth Advisors is a registered investment adviser serving individuals, 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 preparation for qualified clients.

Osvaldo Cisneros is a financial advisor at Centaurus Financial, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial since 2020, with prior roles at Pruco Securities LLC and the University of California, Irvine. Outside of his advisory work, he owns an online blog called Socratic Speech and a related podcast named I Think, Therefore I Pod. 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, employing both discretionary and non-discretionary investment arrangements with varied analytical approaches.

John Nguyen is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with several firms, including FIT Strategic Advisors LLC and Crown Capital Securities, L.P. Outside of his advisory role, Nguyen serves as president and CEO of J & N Partnership Financial, focusing on life insurance and tax planning, and is a board member of the nonprofit Youth Leadership American. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients using a variety of managed programs, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers with both discretionary and non-discretionary account structures.

Joey Katz is a financial advisor at EP Wealth Advisors with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Morgan Stanley, E*Trade Securities, and TD Ameritrade. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation.

Regina Frias is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Vanderbilt Financial Group and Prosperity Builders, Inc. In addition to her advisory role, she serves as a marketing representative for a legal services network focused on educating clients about living trusts and advanced estate planning. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management, and retirement-plan consulting through a variety of discretionary and non-discretionary arrangements utilizing both fundamental and technical analysis.

Jason Yamamoto is a CFP® professional at Independent Financial Group, LLC with 22 years of experience in the financial services industry. He has been with Independent Financial Group since 2016. Outside of his advisory role, he is involved in insurance sales and real estate as an agent and also provides notary and management consulting services. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, and plan sponsors with investment advisory programs, financial planning, and retirement plan services. The firm offers a range of discretionary and non-discretionary strategies through various platforms, combining in-house and third-party model portfolios.

Jerome Duhovic is a financial advisor with Centaurus Financial, Inc. and Pacific Point Securities, LLC, holding a Series 63 credential and 32 years of industry experience. He also works as a marketing and training consultant for non-investment-related firms. Centaurus Financial serves a wide range of clients, offering advisory and brokerage services with a mix of discretionary and non-discretionary portfolio management, employing various analytical approaches and providing specialized financial planning and retirement consulting.

Connie Jensen is a financial advisor at Transamerica Financial Advisors with 15 years of industry experience. She holds Series 63 and Series 65 designations. Jensen has held leadership roles in multiple business ventures, including serving as vice president of GnEST Corporation since 2017. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, employing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Jordan Sisson is a financial advisor at EP Wealth Advisors with three years of industry experience. He holds a Series 65 designation and previously worked at Warren Financial Service & Associates, Inc. Before entering the financial industry, he spent four years working at PJ Ryan's Pub. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm provides customized model portfolios using a combination of fundamental, technical, and cyclical analysis, along with access to various investment strategies and ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Lauren Carbonel is a financial advisor with Citigroup Global Markets, holding a Series 66 license and one year of industry experience. Prior to joining Citigroup in 2021, she worked at South Bay Credit Union and Pacific Transportation Federal Credit Union. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs along with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including swap dealer and futures commission merchant activities.