Jason Lynn is a financial advisor with ValMark Advisers, Inc., holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked with ValMark Advisers since 2018 and has been affiliated with Valmark Securities, Inc. and The O'Neill Company for over a decade. Outside of his advisory role, Lynn volunteers as a coach for South Sunrise Little League and serves as treasurer for the El Modena Baseball Boosters Club, in addition to holding a volunteer board position with the Portofira Homeowners Association. ValMark Advisers provides investment advisory and financial planning services to individual and high-net-worth investors, retirement plan sponsors, and institutional clients. The firm utilizes diversified, goal-based model portfolios and multiple investment platforms, with oversight from its investment committee and participation in proprietary investment-company products.

Audrey West is a financial advisor at Gradient Advisors, LLC with six years of industry experience. She holds a Series 65 designation and has worked previously at Foundations Investment Advisors and KNR Consulting and Wealth Management. In addition to her advisory role, she is owner and Investment Advisor Representative of Elite Capital & Insurance Services, providing financial planning services. Gradient Advisors, LLC offers investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm operates mainly through a network of Investment Advisor Representatives and third-party money managers, employing a largely non-discretionary model tailored to client objectives and risk tolerance.

Joseph Park is a CFA® charterholder affiliated with Empirical Wealth Management in Irvine, CA. He has one year of industry experience, including prior roles at LPL Financial, Bryson Wealth Management, and Northern Trust. Empirical Wealth Management serves a diverse client base, including high-net-worth individuals, trusts, estates, charitable organizations, and institutional investors. The firm employs a Modern Portfolio Theory-based investment approach across multiple asset classes and offers a range of services such as investment management, financial planning, tax preparation, and retirement-plan consulting, supported by affiliated real estate, insurance, and legal referral businesses.

Bridget Quijada is a financial advisor at Index Fund Advisors, Inc. with 21 years of industry experience. She holds a Series 66 designation and has worked previously at Cetera Advisors LLC and JMB Financial Managers Inc. since 2018, she has been with Index Fund Advisors. Index Fund Advisors, Inc. provides discretionary investment management and wealth-planning services to individuals, high-net-worth clients, retirement plans, trusts, estates, foundations, and other institutions. The firm primarily uses passively managed mutual funds and ETFs within a portfolio management approach guided by Modern Portfolio Theory and a multi-factor framework, complemented by in-house tax services through its IFA Taxes division.

Jevon Thomas is a financial advisor with World Equity Group, Inc. in Irvine, CA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has been with World Equity Group since 2017 and also operates Jevon Thomas Retirement Plan Consultants, where he serves as owner and director of retirement plan consulting. Outside of financial advisory work, he owns Omega 9, a business that connects clients with construction engineers and vendors. World Equity Group provides investment advisory and brokerage services to individual and high-net-worth clients, business entities, nonprofit organizations, and financial institutions. The firm employs a combination of model-based and customized investment approaches, offering portfolio management, financial planning, and retirement plan advisory services.

Henry Portillo is a financial advisor with Navy Federal Investment Services, LLC, holding CFP® and ChFC® designations and six years of industry experience. His prior experience includes roles at Fidelity Investments, Transamerica Financial Advisors, and World Financial Group. He is also currently serving in the Marine Corps. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and offers a range of services including model-driven asset allocation, rebalancing, and a Private Wealth Consulting program for high-net-worth clients.

Letitia Berbaum is a financial advisor at RFG Advisory, LLC with 14 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Axxcess Wealth Management, Tessera Capital Partners, Gramercy Securities, Optivest, and LPL Financial. She is also the CEO and founder of Blue Sands Wealth Management LLC. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing about $8 billion for over 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts, employing a mix of discretionary asset management strategies including actively managed and passive models, direct indexing, tax-aware approaches, and alternative investments.

Christopher Molony is a financial advisor with Trilogy Capital, Inc. in Irvine, CA, holding Series 63 and Series 65 registrations and bringing 18 years of industry experience. He has worked with Trilogy Capital since 2015 and previously held roles at LPL Financial and National Planning Corporation. Outside of advisory work, Molony serves as a trustee managing family trusts and estates. Trilogy Capital, Inc. provides investment advisory and retirement-plan services to individuals, families, trusts, estates, and employer-sponsored plans. The firm employs a risk-based, diversified asset allocation strategy with in-house and third-party models, incorporating fundamentals, technical analysis, and non-traditional instruments, while also integrating real estate and retirement plan features into its advanced planning services.

Randy Salaki is a financial advisor with Cooper McManus in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior experience includes 12 years at J.P. Morgan Securities and more recent roles at Cambridge Investment Research and Cooper McManus. He is also president of Wave Crest Wealth, a separate business activity. Cooper McManus provides investment advisory and financial planning services to individuals, trusts, retirement plans, and businesses. The firm employs a tailored investment process that includes fundamental analysis and a variety of strategies, serving clients with discretionary portfolio management and access to third-party sub-advisors, managing approximately $2.56 billion in discretionary assets.

Thomas Walden is a financial advisor with Trilogy Capital, Inc. in Irvine, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His career includes roles at LPL Financial since 2017 and extensive experience with Trilogy Financial Services dating back to 1999. Trilogy Capital, Inc. provides advisory and retirement-plan services to individuals, high-net-worth clients, families, trusts, estates, and employer-sponsored plans. The firm employs a risk-based, diversified asset allocation framework, integrating both proprietary and third-party strategies, and incorporates personal and business real estate into its advanced planning and private markets offerings.

Benjamin Morgan is a financial advisor with Packerland Brokerage Services, Inc. He holds a Series 66 designation and has seven years of industry experience. Prior to joining Packerland in 2022, he worked at The O.N. Equity Sales Company and Ohio National. Morgan also owns Merlin Financial Services, which provides online training courses for financial professionals covering business skills and communication. Packerland Brokerage Services, Inc. serves individuals, charities, corporations, and retirement plan sponsors with financial planning, portfolio management, and advisory programs. The firm offers both brokerage and advisory solutions, including firm-managed portfolios, third-party co-advisory arrangements, and automated rebalancing tools, managing approximately $909 million in client assets.

Gabriel Deluna is a financial advisor with Trilogy Capital, Inc. and holds Series 63 and Series 65 credentials. He has 15 years of industry experience, including prior roles at LPL Financial and National Planning Corporation. He serves as the president of the West Covina chapter of LE TIP and participates on the finance committee for Inland Valley Hope Partners. Trilogy Capital, Inc. provides investment advisory and retirement-plan services to individuals, high-net-worth clients, families, trusts, estates, and employer-sponsored plans. The firm utilizes a risk-based, diversified asset allocation framework incorporating both in-house model series and third-party sub-advisors, offering comprehensive planning and a range of portfolio management options.

Bruce Galbraith is a financial advisor at Siebert AdvisorNXT, LLC., holding a Series 66 designation with six years of industry experience. His work history includes roles at Muriel Siebert & Co., LLC, Wells Fargo Clearing, JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Siebert Financial Corp & Subsidiaries. Siebert AdvisorNXT provides investment management primarily to individuals, families, trusts, and certain business entities through its web-based wealth management platform and access to third-party managers. The firm utilizes an algorithmic approach based on Modern Portfolio Theory and offers both discretionary and non-discretionary portfolio management, including specialty strategies such as a covered-call transition option.

Nathan Brown is a financial advisor with Trilogy Capital, Inc. in Irvine, CA, holding Series 63 and Series 65 credentials and 19 years of industry experience. His career includes roles at LPL Financial, Trilogy Financial Services, and National Planning Corporation. He is a senior partner in Trilogy Financial Services. Trilogy Capital, Inc. provides investment advisory and retirement-plan services to individuals, high-net-worth clients, families, trusts, estates, and employer-sponsored plans. The firm employs a risk-based, diversified asset allocation approach using both proprietary and third-party models, incorporating fundamental and technical analysis and a range of investment instruments tailored to client objectives.

Alexia Candelaria is a CFP® and Series 66-registered financial advisor with 13 years of industry experience. She has worked at Brighton Jones LLC since 2017 and previously at Northwestern Mutual Investment Management from 2013 to 2017. Brighton Jones LLC advises individuals, including high-net-worth and ultra-high-net-worth clients, charitable organizations, pooled investment vehicles, and retirement plans. The firm provides comprehensive wealth-management services through a Personal CFO model and family office offerings, combining financial planning, investment management, and private-investment opportunities.

Jonathan Sabat is a Series 65-licensed financial advisor with eight years of industry experience, currently with Trilogy Capital, Inc. in Irvine, CA. He has been with Trilogy Capital since 2018 and has prior experience at Trilogy Financial Services. Outside of advisory work, he is a licensed insurance agent specializing in life, health, and fixed annuity products. Trilogy Capital, Inc. provides investment advisory and retirement-plan services to individuals, high-net-worth clients, families, trusts, estates, and employer-sponsored plans. The firm uses a risk-based, diversified asset allocation approach with both in-house models and third-party sub-advisors, incorporating fundamental and technical analysis and non-traditional investments when appropriate.

Nathan Lefton is a financial advisor at Wedbush Securities Inc. with a Series 66 designation and three years of industry experience. Prior to joining Wedbush in 2022, he worked at the University of California - Santa Barbara and held roles in the food service industry. Wedbush Securities serves a diverse client base including individual, high-net-worth, foundation, and institutional investors, offering brokerage and SEC-registered investment advisory services across multiple asset classes. The firm combines brokerage and capital markets functions with custody, clearing, and prime services, managing approximately $5.68 billion in regulatory assets.

Douglas Gahn is a financial advisor at Simplicity Wealth with four years of industry experience. He holds a Series 65 designation and has prior experience at LifePro Asset Management as well as over a decade with Silver Summit Financial, where he is also an owner and insurance agent. Simplicity Wealth serves a diverse client base including individual investors, retirement plans, and institutional clients, offering services that range from financial planning to managed account platforms. The firm employs a fund-of-funds approach primarily using ETFs and mutual funds, alongside third-party model managers and technology-driven solutions for advisers.

As both a CPA and CFP professional, I believe financial decisions shouldn't happen in separate conversations. As financial lives become more complex, the impact of taxes, investments, retirement planning, and major life decisions becomes increasingly interconnected. A coordinated strategy can make a meaningful difference over time. Based in Newport Beach, California, I work with individuals and families navigating increasingly complex financial lives. Whether you're building wealth, managing equity compensation, approaching retirement, running a business, planning for a major purchase, or experiencing another significant life transition, I help bring all the moving pieces together into one thoughtful financial strategy. My approach combines tax planning, financial planning, and investment management because each decision affects the others. Looking at only one piece of your financial life can lead to missed opportunities or unintended tax consequences. By coordinating these areas, my goal is to help clients make more informed decisions, reduce unnecessary taxes where possible, and build long-term financial confidence. As a fee-only advisor, I don't receive commissions or sell financial products. My recommendations are objective and designed around your goals, your values, and what makes the most sense for your unique situation. Before founding KCL Wealth Management, I advised high-net-worth individuals and families on tax planning at PwC. Today, I bring that experience into a more personal, collaborative relationship where clients understand not only what we're recommending, but why. My goal is for every client to leave meetings feeling more organized, more confident, and empowered to make smart financial decisions for years to come.

Jason Luhan is a financial advisor with Capital Investment Advisory Services, LLC, holding Series 66 and Series 65 designations and 17 years of industry experience. He has worked at several firms including Capital Investment Group, Inc., The Pacific Financial Group, and EQIS Capital Management, Inc. Outside of advisory work, he operates a law office providing general legal services and consults on compliance matters for RIAs and broker-dealers. Capital Investment Advisory Services provides portfolio management and supervisory services to individuals, corporations, retirement and profit-sharing plans, trusts, estates, foundations, and charitable institutions. The firm offers customized portfolios predominantly managed on a discretionary basis, utilizing fundamental, technical, and charting methods across various investment vehicles.