Brett Friedman is a CFP® with 17 years of industry experience, currently serving as the sole advisor at D&S Wealth Management Group. He has held roles at Peak Investment Advisors and has been involved with DeLeon and Stang CPA's since 2006, where he serves as Chief Growth & Strategy Officer. He is also the managing member of D&S Insurance Solutions, an insurance agency. D&S Wealth Management Group is a Maryland-registered advisory firm that primarily serves individual clients and their families, as well as entities such as foundations, charities, and retirement plans. The firm offers discretionary portfolio management and comprehensive financial planning, emphasizing tailored plans and diversified asset allocation using a variety of investment vehicles.

Robert Brooks is the principal of Prudent Money Financial Services in Addison, TX, with 34 years of industry experience. He has operated Rp Brooks Financial, Inc. since 2000 and holds a Series 63 designation. Outside of advisory work, he is also an author of a book titled *Deceptive Money*. Prudent Money Financial Services provides fee-based money management and personal financial planning primarily to individual investors, as well as institutional clients such as pension and profit-sharing plans. The firm uses a contrarian, actively managed approach with strategic and tactical asset allocation, offering diversified portfolios tailored to clients' risk profiles.

Daren O'Connor is a financial advisor at LBK Financial LLC with 22 years of industry experience. He holds the Series 66 designation and has previously worked at Citigroup and Citigroup Management Corp. since 2015. He serves as a member of the Hanover Township Economic Development Advisory Committee in Whippany, NJ. LBK Financial is an independent wealth management firm serving individuals and small businesses, including high-net-worth clients. The firm offers discretionary investment management and financial planning, focusing on customized portfolios using diversified ETFs and individual equities, with ongoing account monitoring and annual reviews.

Thomas Reilly is a financial advisor at Pine Tree Financial Services, Inc. He holds Series 63 and Series 65 designations and has three years of industry experience. He has been associated with Pine Tree Financial Services, Inc. since 1982. Pine Tree Financial Services, Inc. is an independent registered investment adviser that manages balanced equity and fixed-income portfolios for individuals and small businesses. The firm emphasizes investing in companies with durable revenue streams and growing profitability, manages all accounts on a non-discretionary basis, and serves a client base that includes significant non-U.S. exposure.

Anand Sethuraman is the sole advisor at Investcraft Advisors LLC in Saratoga, CA, holding a Series 65 designation with eight years of industry experience. He has worked at Investcraft Advisors since 2018 and has been associated with Verb Surgical Inc. since 2016. InvestCraft Advisors provides discretionary portfolio management to individuals, small businesses, and institutional clients, focusing on equities and equity-related instruments. The firm employs both fundamental and technical analysis and uses a range of publicly traded instruments, offering active, hands-on management through a small client base and weekly account reviews.

Pierre Soree is a CFP® professional based in Atlanta, GA, with six years of experience in the financial advisory industry. He is currently with Inman Park Wealth Management, where he has worked since 2026. Prior to this, he held roles at Marietta Wealth Management and Redwood Wealth Management, and he also spent two years with the University of Georgia - Terry School of Business. Inman Park Wealth Management is a fee-only registered investment adviser serving individual and high-net-worth clients with wealth management and financial planning services. The firm emphasizes Modern Portfolio Theory and asset allocation, using passive investment vehicles and tailored portfolios aligned with client goals and risk tolerance.

Robert Oliver is a CFP® and CFA® with 15 years of industry experience. He founded Oliver Financial Planning LLC in Ann Arbor, MI, and has been leading the firm since 2005. In addition to his advisory work, he serves as the administrative manager of a family investment-related business for his wife's parents. Oliver Financial Planning is an independent, fee-only registered investment adviser that provides ongoing financial planning and investment advice to individuals, including some high-net-worth clients, as well as two privately held Florida limited-liability companies. The firm emphasizes a buy-hold-and-rebalance approach using primarily low-cost mutual funds and ETFs, and operates under a fixed program and hourly fee model without discretionary management or custody of client assets.

James Thornton Jr. is a financial advisor at Fifth Pointe with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Rocket Mortgage, Capital One, and Money Concepts Capital Corp. Outside of advisory services, he owns and operates an insurance agency offering property, casualty, and health insurance products. Fifth Pointe provides financial planning, consulting, portfolio management, and algorithm-driven robo-advisory services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, and institutional entities. The firm combines traditional advisory services with affiliated insurance and mortgage offerings, seminars, and pension consulting.

Gregory Jardine is the sole advisor at Jardine Financial Group in Richardson, TX, holding Series 63 and Series 66 designations with 21 years of industry experience. He has led Jardine Financial Group since 2015. The firm provides discretionary asset management and financial planning primarily for individual and high-net-worth clients, using both quantitative and qualitative analysis combined with modern portfolio theory to implement client-specific investment strategies.

James Hanson is the principal advisor at James P. Hanson Accountancy Corporation in Los Gatos, CA, with 32 years of industry experience. He holds the PFS™ and Series 63 designations and has operated his own accountancy corporation since 1975. In addition to financial advising, he is a CPA and provides accounting, tax preparation, and planning services. James P. Hanson Accountancy Corporation offers investment advisory services integrated with tax and accounting consultations. The firm serves individuals, pension plans, trusts, estates, charitable organizations, and business entities, providing tailored investment recommendations primarily involving publicly traded no-load mutual funds and stocks.

James Bogush is the sole advisor at Bull Market Strategies LLC and holds Series 63 and Series 65 licenses. He has two years of industry experience, including three years at Goldman Sachs & Co. LLC. Outside of his financial advisory work, he has operated several businesses since 2011, including Bogush, Inc. and Wall Street Motor Cars, LLC. Bull Market Strategies LLC provides portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, business entities, and institutional clients. The firm employs diversified investment strategies including technical analysis, options trading, and both discretionary and non-discretionary account management.

I began investing with my first mutual fund purchase in 1983. I've continued studying investments and financial planning ever since, becoming a member of the American Association of Individual Investors in 1984. I earned the Associate of Science in Electronics, from Gavilan College in 1986, the Bachelor of Science in Business Administration (cum laude) at Chapman University in 1995, Master of Business Administration at Columbia College of Missouri in 2002. I completed Boston University’s Online Program for Financial Planners in 2006, and most recently earned the Master of Science in Finance & Economics at West Texas A&M University in 2024. I began formally helping others reach their financial goals in 1991, as the Command Financial Specialist aboard USS Dixon (AS 37), as part of the US Navy’s then-new Personal Financial Management program. I served in the same position at Afloat Training Group in Yokosuka, Japan. After completing a Navy career, I worked at Bank of America, first in Northwest Dealer Banking, and was soon promoted to Investment Specialist in Retirement Services. I enjoy helping others apply principles of financial management to their personal situations and teach courses in: Personal Financial Planning; Business Finance; Principles of Real Estate; Investments; and Micro and Macro Economics for Columbia College in Oak Harbor and Marysville. I also taught Personal Finance & Investments for Skagit Valley College from 2004 through 2016. Penn Cove Financial, LLC was established in 2005 and began offering Financial Planning & Investment Management services to the public in March 2006.

Frank Cade is the principal advisor at Cade Wealth Management LLC in Birmingham, AL, with nine years of industry experience. Before founding Cade Wealth Management in 2022, he worked at Forager Capital Management, LLC for six years. He is also a partner at Cade Crenshaw & Associates, P.C., an accounting firm. Cade Wealth Management serves individuals, trusts, estates, charitable organizations, corporations, business entities, and qualified retirement plans. The firm provides discretionary asset management and ERISA plan services, using fundamental analysis and modern portfolio theory to tailor investment programs to client goals and risk tolerance.

Yi Ching Tsai is a financial advisor at Shalom Global Capital Group LLC in San Jose, CA, holding Series 63 and Series 66 designations with 24 years of industry experience. Prior to joining Shalom Global Capital Group in 2020, Tsai worked at Polaris Greystone Financial Group and TD Waterhouse Investor Services Inc. Outside of advisory work, Tsai manages several investment properties in Texas and California. Shalom Global Capital Group provides portfolio management, financial planning, and family office services primarily to high-net-worth individuals, trusts, estates, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, employing a variety of analytic methods and investment strategies, and maintains a focus on high-net-worth and institutional clients.

Bret Wilhelm is a CFP® with 25 years of industry experience and the sole advisor at Wilhelm Financial Services, PLLC, an independent firm he has led since 2000 in Olympia, WA. Wilhelm Financial Services primarily serves individual clients by providing portfolio management, comprehensive financial planning, and asset-tracking services tailored to each client’s circumstances. The firm emphasizes nondiscretionary management, using mutual funds, index funds, and occasional individual securities, with a focus on a concentrated number of high-balance accounts.

Michael Reidlinger is a financial advisor at Mountain Creek Capital, LLC with 13 years of industry experience. He has held the Series 66 designation and previously worked at Axa Advisors, LLC from 2010 to 2018 before founding Mountain Creek Capital in 2018. Mountain Creek Capital provides discretionary investment management and financial planning services to a diverse client base, including individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and business entities. The firm employs a combination of fundamental, technical, and economic analysis to tailor portfolios, incorporating equities, bonds, mutual funds, limited partnerships, and options strategies, with integrated risk management and regular account reviews.

Kristin Horton is the President of Haven Capital Group in Westlake Village, CA, and holds the CFA® designation along with a Series 63 license. She has 23 years of industry experience and has led Haven Capital Group since 2009. In addition to her advisory role, she is a licensed real estate salesperson in California and is an owner and officer of a creative services firm, Caroline Rea Horton, Inc. Haven Capital Group provides discretionary investment management and portfolio construction for individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm’s investment approach focuses on customized asset allocation, fundamental equity and bond credit analysis, and employs mutual funds, ETFs, and tactical adjustments to manage portfolios.

Tan Phan is a CFP® professional with 14 years of experience in financial services. He is the principal of TAN Wealth Management in San Francisco, a firm he has led since 2018. Prior to founding his firm, he worked at Pruco Securities and Prudential Insurance Company of America for seven years. Phan also teaches graduate-level financial planning at Golden Gate University's Ageno School of Business and works as an independent licensed insurance agent. In addition, he provides home care services through Alameda County. TAN Wealth Management offers wealth management and comprehensive financial planning to individual investors, families, and small businesses, delivering one-time plans, hourly planning, and ongoing monthly retainer subscriptions. The firm partners with a third-party manager for investment implementation on a non-discretionary basis, focusing on a thorough discovery process and long-term asset allocation informed by macroeconomic and fundamental research.

Dean Phass is a financial advisor with Jade Financial LLC, holding a Series 66 designation and eight years of industry experience. He previously worked at Truist Advisory Services and Truist Investment Services from 2016 to 2024 before joining Jade Financial in 2024. Phass is also a licensed insurance agent, although he does not currently engage in insurance activities. Jade Financial LLC is an independent, single-advisor registered investment adviser that provides ongoing portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a variety of analytic approaches across multiple investment instruments, managing most client assets on a non-discretionary basis and offers both advisory and fixed-fee financial planning services.

Victor Tran is a CFP® with 10 years of industry experience, currently serving as the sole advisor at Veritable Financials LLC since 2026. He previously worked at PNC Investments for nine years and held positions at Bank of America and Merrill. Veritable Financials is a state-registered independent investment adviser offering discretionary and non-discretionary portfolio management and financial planning to individuals, families, high-net-worth clients, corporations, and trusts. The firm employs strategic asset allocation across five defined strategies and integrates tax-loss harvesting and ESG screening, with a primarily long-term investment approach supported by ongoing portfolio monitoring and rebalancing.