Timothy Hayes is a CFP® with 53 years of industry experience, currently serving at Independent Financial Group, LLC since 2024. He previously worked at Crown Capital Securities, LP for 25 years and has operated his own investment and insurance business, Timothy Hayes Financial, since 1975. His other activities include ownership and management of Timothy Hayes Financial and Insurance Services, Inc., involved in the sale of fixed annuities and life insurance. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm employs a combination of firm- and third-party models for portfolio management, integrating strategic asset allocation with active and passive exposures across various risk profiles.

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 15 years of industry experience, currently with Independent Financial Group, LLC since 2018. Prior to joining Independent Financial Group, she worked at Emerson Equity LLC, Nelson Brothers Professional Real Estate, Shopoff Securities, Inc., SGL Investment Advisors, Inc., and Lord, Abbett & Co. LLC. She also provides consulting services as an independent contractor to Mountain View Capital, LLC. Independent Financial Group, LLC serves individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms and employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence in its investment approach.

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.

Matthew Sessa is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Timothy Hayes Financial & Investment Services Inc. and Crown Capital Securities, LP. Outside of financial advising, he is a licensed health insurance agent, a notary public, and an enrolled agent preparing taxes. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs a combination of strategic asset allocation and manager selection across passive and active exposures to deliver tailored investment solutions using both firm- and third-party models.

Skyler Anderson is a financial advisor with Principal Financial Services holding a Series 66 designation and beginning his advisory career in 2026. Prior to his advisory role, he worked for Hunter Industries, Agrisolutions, and The Toro Company over a period spanning 2005 to 2024. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various adviser and promoter arrangements.

Michael Dinh is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses and three years of industry experience. He has held positions at Primoris Renewable Energy and F3 Insurance LLC, and has been associated with World Financial Group, Inc. since 2010. Outside of advisory work, he is employed as a toolroom manager at Primoris Renewable Energy. 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 through proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Suzan Korth is a financial advisor at Integrated Wealth Concepts LLC with four years of industry experience. She has worked at Integrated Wealth Concepts since 2022 and concurrently serves as a CPA with Duffy Kruspodin LLP. Prior to her current roles, she spent nearly three decades at Steven Wendroff, CPA. 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 and customized portfolios that include mutual funds, ETFs, individual equities, and fixed income.

George Sustarsic is a financial advisor with Primerica Advisors, holding a Series 66 designation and four years of industry experience. He has worked at Park Avenue Securities since 2019 and has prior experience with Guardian Life Insurance Company, Westpac Wealth Partners, and Mark W. Vannatta. Park Avenue Securities serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services alongside financial planning and consulting. The firm employs a range of investment strategies through proprietary models, third-party managers, and digital advice platforms, managing approximately $15 billion in assets with over 1,900 investment adviser representatives.

Kai Swick is a financial advisor with Kestra Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at Solomon Retirement Services and Independent Financial Group, and has experience in tax preparation and filing through an independent contractor role with Solomon Wealth Management. Outside of advisory services, he has worked in the tax planning and accounting field. Kestra Advisory provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as plan sponsors and sovereign wealth funds.

Kathleen Lindquist is a CFP® with 20 years of experience in the financial services industry, currently affiliated with United Planners' Financial Services of America. Her prior roles include positions at San Diego Wealth Management, LLC and SagePoint Financial Services, Inc. She is also the founder of Sustainable Financial Planning, a marketing entity in San Diego. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.

James Haug is a financial advisor at Integrated Wealth Concepts LLC with 17 years of industry experience. He holds a Series 66 designation and has worked previously at LPL Financial and Waddell & Reed, Inc. Outside of advising, he is a partner at East Village Tax and has been a volleyball coach with Coast Volleyball Club since 2010. Integrated Wealth Concepts 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 services, and wrap-fee programs, with a long-term investment approach that incorporates customized portfolios and oversight of third-party managers.

Manuel Martinez is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 65 designation and 48 years of industry experience. He has been affiliated with Ameritas Advisory Services since 2021 and has worked at Martinez & Winter since 2007. Martinez is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning to a diverse client base, including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and variable universal life subaccounts, supported by a network of Investment Adviser Representatives and multiple custodial platforms.

Lisa Brinig is a CFP® professional with 21 years of industry experience. She has worked at Mariner since 2011 and previously spent nine years with Msec, LLC. Located in San Diego, CA, she is affiliated with Mariner, a firm that serves a diverse client base including individuals, pension plans, trusts, and charitable organizations. Mariner provides investment management, financial planning, retirement plan consulting, and tax services, implementing customized portfolios through a combination of in-house research and third-party managers. The firm is noted for its integrated tax and accounting services and offers administrative family office capabilities alongside a financial wellness platform for employers.

Adrian Duran is a financial advisor at Integrated Wealth Concepts LLC with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Cetera Advisors and National Planning Holdings. Integrated Wealth Concepts 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, utilizing customized portfolios with a long-term approach alongside tactical rebalancing.

Colby Taylor is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and six years of industry experience. Before joining Independent Financial Group in 2018, he worked at Deloitte from 2016 to 2018. Additionally, Taylor provides marketing consulting services as an independent contractor for AlphaSights. Independent Financial Group offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans, utilizing a combination of firm- and third-party investment models across multiple platforms.

Michael Gallop is a CFP® with 23 years of industry experience, currently affiliated with Commonwealth Financial Network. His prior experience includes roles at OSAIC, ICM Private Client Group, Sagepoint Financial, and significant involvement with Terramar Wealth, where he is also a co-owner. He dedicates part of his business hours to fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, investment management, and practice-support services. The firm offers discretionary model portfolios and multiple program structures, supporting advisors with operations, trading, technology, and compliance.

Kyle Tatro is a financial advisor with Commonwealth Financial Network and has 20 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Principal Securities INC and Principal Life Insurance Company. He is also the owner of Think Financial Wealth Management, Inc., a private entity that facilitates securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,900 affiliated advisors and manages about $212.7 billion in client assets. The firm offers a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.