Gagandeep Sahni is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2012. Outside of his advisory work, he serves as president and co-founder of The Sach Foundation, participates in interfaith community organizations, and is involved in local educational fundraising efforts. Park Avenue Securities serves a broad retail client base, including individual, high-net-worth, charitable, and corporate clients, offering both brokerage and advisory services along with financial and business consulting. The firm employs a mix of proprietary and third-party investment strategies and supports a range of account-level services such as lending and donor-advised funds.

Daniel Ortega is a financial advisor at Stratos Wealth Partners, Ltd with a Series 65 credential and one year of industry experience. Prior to joining Stratos Wealth Partners, he held roles at Mercer Global Advisors, San Diego State University, DoorDash Inc., Relionce Solar, Southwestern College, and Castle Park High School. Stratos Wealth Partners, Ltd is an SEC-registered enterprise wealth management firm managing approximately $18.6 billion in assets with around 366 advisors and over 24,000 clients. The firm offers a range of financial planning services and investment strategies through a network of independent adviser representatives, utilizing an open-architecture platform that integrates third-party managers and proprietary solutions.

Brian Howarth is a Series 66 licensed advisor with Principal Financial Services, based in Encinitas, CA, and has 16 years of industry experience. He has been with Principal Securities Inc. since 2016 and Principal Life Insurance Company since 2010. Outside of his advisory role, he is engaged in short-term consulting with AlphaSights, focusing on industry-level trends. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. 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.

Robert Leach is a financial advisor with Stratos Wealth Partners, Ltd in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Stratos Wealth Partners and LPL Financial since 2015. Stratos Wealth Partners provides advisory services to individual investors, trusts, charitable organizations, corporations, retirement plans, and other institutional clients through portfolio management, financial planning, and access to third-party advisory solutions. The firm’s Strategic Wealth Management platform offers an open-architecture approach that supports both advisor-managed and model-based portfolios.

Adam Maietta is a financial advisor at Breckinridge Capital Advisors Inc with 13 years of industry experience. He holds a Series 65 designation and has been with Breckinridge since 2014. Breckinridge Capital Advisors manages over $50 billion in separately managed accounts and sub-advisory arrangements for a diverse client base, including high net worth individuals, charitable organizations, corporations, and mutual funds. The firm employs a combination of top-down macroeconomic analysis and bottom-up fundamental research across fixed income and equity strategies, supported by proprietary trading systems and a team-based portfolio construction process.

Kristopher Lindley is a CFP® with 24 years of industry experience, currently serving at Integrated Wealth Concepts LLC since 2018. He also has a long tenure with LPL Financial, dating back to 2008. Outside of his advisory work, he is involved as a referee with the CASRA Referee Association. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a primarily long-term investment approach with customized portfolios that include mutual funds, ETFs, equities, and fixed income.

Linda Smith is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has been with D.A. Davidson & Co. since 2013. Outside of her advisory role, she serves as a notary public. D.A. Davidson & Co. offers investment advisory and brokerage services to a diverse client base, including retirement plans, high-net-worth individuals, charitable organizations, and corporate clients. The firm provides ERISA retirement plan advisory services, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Edward Watson is a financial advisor at Independent Financial Group, LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Independent Financial Group since 2011. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services, managing approximately $11.3 billion in regulatory assets through a national network of Investment Adviser Representatives.

Brian Dennen is a financial advisor at Independent Financial Group, LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including LPL Financial, Ally Invest Advisors, and Compliance Risk Concepts. Outside of advisory work, Dennen assists with marketing and sales for Ramona Woodworx LLC, an outdoor furniture business. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement services, utilizing a mix of in-house and third-party model portfolios across various investment platforms.

Beth Westburg is a financial advisor with Commonwealth Financial Network in Del Mar, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Commonwealth since 2018 and concurrently involved with LS Investment Management since 2014. Westburg is also a 50% owner of Lipman-Westburg Inc, a private entity that facilitates securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and a broad client base. The firm provides a variety of managed-account programs, access to third-party asset managers, and comprehensive back-office services including trading, reporting, and custody.

John Ogden is a financial advisor at Oppenheimer with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Oppenheimer since 2010. Outside of his advisory role, he serves as a trustee for a personal family trust. Oppenheimer serves a diverse client base including individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs and investment strategies that range from discretionary portfolio management to consulting services.

Emmanuel Llanda is a CFP® professional at Schwab Wealth Advisory with two years of industry experience. His previous roles include positions at Scharf Investments and Hall Capital Partners. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and investment recommendations based on Schwab’s research tools and standard asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees.

David Kempton is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. His prior roles include positions at Catalina Capital Group LLC and OneAmerica entities spanning over a decade. He holds Series 63 and Series 65 licenses. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Richard Gigliotti is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. He previously worked at Arbor Point Advisors and Securities America Inc. He also operates R.B. Financial Planning, LLC, a securities business he manages through an LLC structure. Osaic Advisory Services, LLC serves a diverse client base including individuals, pension plans, corporations, and nonprofits, offering investment management, financial planning, and retirement plan consulting through various program models. The firm utilizes multiple custodians and platforms, providing clients with access to proprietary guidance, third-party managers, and alternative investments.

Timothy Hayes is a CFP® with over 52 years of industry experience. He is currently affiliated with Independent Financial Group, LLC and has previously worked at Crown Capital Securities, LP for 25 years. Hayes is also the owner and president of Timothy Hayes Financial and Insurance Services, Inc., a business involved in the sale of fixed annuities and life insurance. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, managing approximately $11.3 billion in assets.

Chad Wilson is a financial advisor with Primerica Advisors, holding a Series 66 designation and five years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 2021, with prior roles at Westpac Wealth Partners LLC and Stapleton Group. 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 both transaction-based brokerage and fee-based advisory services, utilizing a mix of proprietary model portfolios, third-party managers, and digital advice solutions.

Kelsey Hasterlik is a CFP® with 14 years of experience in the financial services industry. She has worked at Independent Financial Group, LLC since 2018 and previously held roles at Emerson Equity LLC, Nelson Brothers Professional Real Estate, and Shopoff Securities, Inc. She also provides consulting services for Mountain View Capital, LLC. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors through a national network of Investment Adviser Representatives. The firm offers a range of advisory programs and manages approximately $11.3 billion in regulatory assets.

Andrew Paulsen is a CFP® and holds a Series 65 license. He has two years of industry experience, currently working at Cerity Partners LLC since 2025. Prior to joining Cerity Partners, he worked at West Coast Financial, LLC for three years and was affiliated with the University of San Diego for four years. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, with an investment approach that emphasizes diversified asset allocation and customized portfolios.

Margaret Fitzpatrick is a financial advisor at Breckinridge Capital Advisors Inc with nine years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Foreside Fund Services, LLC and Gurtin Fixed Income Management, LLC. Breckinridge Capital Advisors provides separately managed fixed income and equity strategies, sub-advisory services, and investment management for individual, high-net-worth, and institutional clients, primarily accessed through intermediaries. The firm manages over $54 billion in client assets and combines a top-down investment outlook with fundamental research and rules-based models, emphasizing tax-aware techniques and proprietary portfolio management systems.

Brett Pernicano is a CFP®, CFA®, and ChFC® with 20 years of experience in the financial advisory industry. He is currently with Corient, where he has worked since 2022. Prior to joining Corient, he spent nine years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that incorporates both in-house strategies and third-party managers, with continuous portfolio monitoring and risk management tools to align investments with client objectives.