Sophia Lizalde is a financial advisor at Integrated Wealth Concepts LLC with one year of industry experience. She holds a Series 65 designation and previously worked at VEBS. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, utilizing customized portfolios with a long-term investment approach and oversight of third-party managers.

Benjamin Duggan is a financial advisor at Empower Advisory Group with 10 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Berkley Capital Management, Key Investment Services LLC, Key Bank, and MetLife. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated approach tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Mark Erwin is a financial advisor with Kestra Advisory in Fallbrook, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience, including a 19-year tenure at Commonwealth Financial Network and ownership of Erwin Financial. Outside of his advisory roles, he engages in advocacy and education on TTR amyloidosis through public speaking activities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan design, employee education, and utilizes multiple management platforms, serving some of the largest institutional investors including sovereign wealth funds.

Joseph Mamer is a financial advisor at Oppenheimer with 40 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc and RBC Capital Markets Corporation. Outside of his advisory role, he serves as trustee of his late uncle’s estate, managing scholarship distributions for the children of his uncle’s nieces and nephews. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as discretionary and non-discretionary investment management, consulting, and retirement services. The firm employs strategic and tactical asset allocation and various investment vehicles, with client accounts periodically reviewed and held under qualified custody.

George Ebenhack is a financial advisor with Oppenheimer, holding Series 63 and Series 65 designations and bringing 53 years of industry experience. He has worked at Fahnestock & Co. Inc. since 2003. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers advisory and brokerage services encompassing discretionary and non-discretionary investment management, consulting, retirement services, and financial planning, with a focus on strategic asset allocation and manager selection.

James Buchanan is a financial advisor at PNC Wealth Management with nine years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at J.P. Morgan Securities, Fisher Investments Canada, Morgan Stanley, and Edward Jones. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account. The firm’s investment approach utilizes approved model strategies managed by PNC or third-party strategists with automated portfolio implementation and annual rebalancing.

John Wolff is a financial advisor with Eagle Strategies (NY Life) in Escondido, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes long-term service with Eagle Strategies and New York Life Insurance Company since 1997, alongside operating Lens Financial & Insurance Solutions. Outside of advisory work, he is the owner of Terebinth Ventures Inc., a mobile application focused on theology study. Eagle Strategies serves a diverse client base including individuals and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Benjamin Hodge is a financial advisor with Integrated Wealth Concepts LLC and holds a Series 66 designation. He has 18 years of industry experience, previously working with firms including Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial. He is based in Escondido, CA. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios and a combination of internal management and third-party asset managers.

Daniel Dubois is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His career includes roles at firms such as LPL Financial, Independent Financial Partners, and Triad Advisors. Dubois is also a licensed fixed insurance agent, engaging in fixed annuity and insurance sales. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office and retirement plan advisory services, and sponsors wrap-fee programs that utilize customized portfolios with a primarily long-term investment approach.

Jacob Lynch is a CFP® professional with experience at Mercer Global Advisors Inc. and prior roles at Pacifica del Mar, Inc., California State University San Marcos, 7 Mile Kitchen, and Buca Di Beppo. He is currently based in Vista, CA. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach emphasizing diversified, risk-appropriate portfolios with multi-factor tilts and offers a range of implementation options including ETFs, mutual funds, and direct indexing.

Dennis Lindeman is a CFP® professional with 36 years of industry experience, currently serving at Independent Financial Group, LLC since 2007. He holds Series 63 and Series 65 licenses and acts as an agent for Lincoln National Life Insurance Company, providing consultation on life insurance policies. Additionally, he serves as an officer and board member of Smiles, a local nonprofit organization. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to a diverse client base including individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in assets and utilizes a range of advisory programs through its AccessPoint platform and third-party asset managers.

Shelley Reeves is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has previously worked at LPL Financial and Independent Financial Group, among other firms. Private Advisor Group serves a diverse client base including individuals, trusts, estates, and charitable organizations, offering discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm provides access to a range of advisory programs, third-party asset managers, and a firm-managed separately managed account program supported by multiple strategists and technology platforms.

Jeremy Gottlieb is a financial advisor at Integrated Wealth Concepts LLC with 37 years of industry experience. He holds a Series 63 designation and has worked at Integrated Wealth Concepts since 2019, previously spending seven years at Independent Financial Partners and 15 years with LPL Financial. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a long-term investment approach with customized portfolios constructed from mutual funds, ETFs, equities, and fixed income.

Long Nguyen is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 credentials and four years of industry experience. He previously worked at Fidelity Brokerage Services and Aston Carter. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, and provides a broad range of advisory and execution services.

Robert Otwell is a financial advisor with Commonwealth Financial Network in Fallbrook, CA, holding a Series 66 designation and 21 years of industry experience. He has been associated with Lincoln Park Financial Group and Commonwealth Financial Network since 2004. Outside of his advisory role, he serves as an executor for family members per their wills. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, providing operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

David Delarosa is a financial advisor at Ameritas Advisory Services, LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Ameritas and its affiliated companies since 2008. In addition to his advisory role, he operates a sole proprietorship focused on assisting clients with the preparation of informational returns for retirement plans. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a variety of discretionary and non-discretionary programs utilizing both in-house and third-party investment managers.

Constance Cook is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 credentials and 38 years of industry experience. She previously worked at Legacy Retirement Advisors and the Independent Financial Group. Cook is president of Cook Wealth Advisors, a private entity facilitating 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 affiliated advisors and managing roughly $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Derek Montecinos is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years of industry experience. He has been with Commonwealth Financial Network since 2016. 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 roughly $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform with various managed-account programs, third-party asset manager access, and custody and clearing services.

Gregg Whelan is a financial advisor at Oppenheimer with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at D.A. Davidson & Co. and Raymond James & Associates. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans through advisory programs that include portfolio management, consulting, and financial planning. The firm’s investment approach combines strategic and tactical asset allocation with various fee structures and supports both discretionary and non-discretionary management.

Michael Lambrix is a financial advisor with Kestra Advisory in Fallbrook, CA, holding a Series 66 credential and bringing 25 years of industry experience. He previously worked for Commonwealth Financial Network for 12 years before joining Kestra Advisory and Kestra Investment Services, LLC in 2025. Outside of his advisory role, Lambrix is the owner of Monarch Retirement Group, where he manages strategic operations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, and employee education, supporting recommended investments with due diligence on performance, fees, and process.