Crystal Lamar is a financial advisor at Citigroup Global Markets with eight years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of her advisory role, she is involved in property management through ownership and management of real estate entities in Los Angeles. Citigroup Global Markets serves a broad client base ranging from workplace investors to ultra-high-net-worth individuals, offering multi-asset, multi-manager investment programs and a variety of execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and risk management, enabling it to provide tailored advisory and discretionary solutions.

Ryan Serrecchia is a CFP® professional with 22 years of experience in financial advising. He has been with EP Wealth Advisors since 2008. The firm serves individuals, including high-net-worth clients, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. EP Wealth Advisors employs a mix of fundamental, technical, and cyclical analysis for portfolio construction and provides various ancillary services such as tax preparation and estate-document facilitation for qualified clients.

Avetis Yetenekyan is a CFP®, CFA®, and Series 65 credentialed advisor with five years of industry experience. He is currently with EP Wealth Advisors in Torrance, CA, where he has worked since 2020. Prior to that, he was with Stonnington Group LLC and Maxwell Noll Inc. dba Maxwell Noll Investment Advisors. He also has experience in the retail sector through Mission Liquor. 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, and financial planning services, along with tax preparation and estate-document preparation for qualifying clients. Their investment approach includes customized model portfolios with ongoing monitoring, incorporating fundamental, technical, and cyclical analysis as well as alternative investments and third-party manager recommendations.

Stuart Spivak is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA, holding Series 63 and Series 65 designations and 37 years of industry experience. He has been with Centaurus Financial since 2008. Outside of his advisory role, he is involved in several non-investment businesses, including a security window film and home monitoring company, a toy company, and operates an online educational class focused on 72(t) SEPP. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services, employing both discretionary and non-discretionary arrangements with various analytical approaches and specialized advisory services.

Corey Liu is a CFA® charterholder with 12 years of industry experience. He currently serves as a financial advisor at Wealth Enhancement Advisory Services, LLC, having previously worked at City National Rochdale and Pillar Pacific Capital Management LLC. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified investment process that combines passive and active management with quantitative, momentum, and fundamental analysis.

Janice Lang is a financial advisor at Equity Services, Inc. with 13 years of industry experience. She holds a Series 66 designation and has worked at firms including DarbeeVision and Ameritas Life Insurance Corp. Outside of her advisory role, she is active as an insurance agent through Strategic Horizon. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and utilizes third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Ryan Wang is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses and four years of industry experience. His career includes roles in business development and client services across several companies, including Managed Health, Inheritguard, LLC, and Mailbox Power. Outside of financial advising, he is involved in providing employee benefit solutions and estate planning education. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver investment advisory and retirement-plan services through a large advisor network and multiple program platforms.

Jonghong Park is a financial advisor with Transamerica Financial Advisors in Los Angeles, CA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has worked at Transamerica Financial Advisors since 2017 and has been involved with Two Fish Group since 2015, where he provides basic financial education as an instructor. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations, delivering services through model portfolios, third-party managers, and multiple advisory platforms.

Andrew Yang is a financial advisor at Citigroup Global Markets with 14 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Citigroup since 2015. Outside of his advisory role, he is a partner in a food and boba drink shop where he is involved in business planning and weekend operations. Citigroup Global Markets serves a broad client base including individual and institutional clients across various wealth segments. The firm employs multi-asset, multi-manager investment strategies and offers a range of advisory programs, execution, and custody services, leveraging its large institutional scale and unique market roles.

Brett Panziera is a CFP® and Series 66-registered financial advisor with 13 years of industry experience. He has been with EP Wealth Advisors since 2017 and previously worked at MetLife Securities Inc. from 2013 to 2017. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients. The firm constructs customized model portfolios using a range of analytical approaches and provides ongoing monitoring, including ERISA plan services and third-party manager recommendations.

Shari Reiches is a financial advisor with EP Wealth Advisors, holding Series 63 and Series 65 designations and 26 years of industry experience. She previously spent 20 years at Rappaport Reiches Capital Management, LLC. Outside of her advisory role, Reiches serves as Co-Chair of the Finance and Budget Committee for the City of Evanston, Illinois, and is Secretary to the Board of Directors of the Jewish United Fund of Metropolitan Chicago. EP Wealth Advisors serves individuals, corporate clients, and retirement plans by offering wealth management, discretionary portfolio management, and financial planning services. The firm utilizes customized model portfolios and a mix of analytical approaches, including fundamental, technical, and cyclical analysis, and provides access to third-party managers and ERISA plan services.

Benjamin Richter is a financial advisor at EP Wealth Advisors with four years of industry experience. He holds the CFP® designation and Series 65 license. Prior to joining EP Wealth Advisors, he worked at Rappaport Reiches Capital Management and held multiple roles at PepsiCo. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, and employs a combination of fundamental, technical, and cyclical analysis alongside alternative investment recommendations and third-party manager oversight.

Mark Rich is a CFP® professional with 10 years of industry experience. He has worked at EP Wealth Advisors since 2024 and previously spent nine years at Gather Financial Planning, Inc. He also serves as a Senior Consultant at Towers Watson & Co., a risk management and human resource consulting firm. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document support for clients meeting certain asset thresholds.

John Pham is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has previously been involved in business activities including Destiny Builders Enterprises and Global Merchant Innovations. Outside of advising, Pham serves as president of Destiny Builders Enterprises and has experience managing a rental property. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with various model portfolios and third-party money manager access, operating uniquely as both an RIA and broker-dealer.

Ross Allen is a CFP® with 10 years of experience in the financial services industry. He is currently with EP Wealth Advisors and previously worked at firms including LPL Financial and Commonwealth Financial Network. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a range of investment strategies including fundamental, technical, and cyclical analysis.

Rhea Ravindran is a CFP® and Series 65 licensed financial advisor at EP Wealth Advisors with eight years of industry experience. Prior to joining EP Wealth Advisors in 2025, she spent eight years at Rappaport Reiches Capital Management and has been self-employed since 2014. Outside of her advisory roles, Ravindran has worked at Weight Watchers since 2015. EP Wealth Advisors serves individuals, including high-net-worth clients, 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, using customized portfolios and a mix of fundamental, technical, and cyclical analysis.

Henry Balanza Sr. is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has a background that includes leadership roles in several business ventures, notably operating CHJ Enterprises, LLC dba Serenity Home, which provides care and supervision for developmentally disabled children. He also serves as president and administrator for Balanza Homes, offering health services for developmentally disabled adults. 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 within a large advisor network and offers multiple program platforms such as Transamerica ONE and TFA365.

Rick Bryan is a CFP® professional with 19 years of industry experience. He has worked at EP Wealth Advisors since 2019 and previously spent 13 years at Conlon & Dart LLC. His current practice is based in Torrance, CA. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm offers wealth management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients. Their investment approach includes customized model portfolios with ongoing monitoring and rebalancing, incorporating fundamental, technical, and cyclical analysis alongside options, alternative investments, and private fund recommendations.

Eduardo Ramirez is a CFP® with eight years of industry experience, currently serving as a financial advisor at EP Wealth Advisors. He previously worked at Mariner Wealth Advisors for eight years before joining EP Wealth Advisors. EP Wealth Advisors is a registered investment adviser that serves individuals—including high-net-worth clients—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, using customized model portfolios and a range of investment strategies.

Kamran Mubashar is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several major firms, including Wells Fargo and JPMorgan Chase. Mubashar has held concurrent roles at JPMorgan Securities and JPMorgan Bank, offering a range of banking products and services. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, providing investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and security-pricing functions, supporting a broad set of investment solutions for its clients.