Ricardo Azarloza is a CFP® and CFA® credentialed financial advisor with 20 years of industry experience. He has worked at Cerity Partners LLC since 2022 and previously spent 16 years at Covington Capital Management. Based in Los Angeles, he holds Series 63 and Series 66 licenses. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including high- and ultra-high-net-worth individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified portfolios and a broad set of affiliated capabilities.

Lewis Perkins is a CFP® with 33 years of industry experience, currently affiliated with Independent Financial Group, LLC since 2008. He also owns Comprehensive Financial Solutions, Inc, where he serves as an officer and director. Outside of his advisory roles, Perkins is involved in family dispute mediation and serves as treasurer for Northeast Neighbors, a nonprofit organization. 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 brokerage, portfolio management, financial planning, and retirement plan services through a national network of advisors and multiple program platforms.

Ryan Hall is a CFP® professional with two years of industry experience, currently serving as a financial advisor at EP Wealth Advisors. Prior to joining EP Wealth Advisors, he worked at Wacker Wealth Partners and TrueNorth Health Center. His background also includes work at the Esalen Institute and involvement in travel-related activities. EP Wealth Advisors, LLC is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm provides discretionary portfolio management, financial planning, retirement plan advisory, and ancillary services such as tax preparation and estate-document facilitation, employing a suitability-driven approach with a range of investment options and fiduciary services.

Andrew Micallef is a financial advisor with Capital Group Private Client Services, Inc., holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Capital Bank & Trust Company and JP Morgan. Capital Group Private Client Services, Inc. provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, focusing on relationships with a minimum of $5 million in assets. The firm’s investment approach centers on fundamental research, a long-term horizon, and a multi-manager system allocating portfolio segments to individual managers and analysts.

Hadi Hassan is a financial advisor with Eagle Strategies (New York Life) based in Anaheim, CA, holding Series 63 and Series 65 licenses. He has 32 years of industry experience, including over two decades with Eagle Strategies and more than 30 years with New York Life and Nylife Securities. Outside of his advisory role, he is involved in insurance brokering and holds a passive investment in cryptocurrency. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and emphasizes fiduciary responsibilities, with the majority of its assets managed on a non-discretionary basis.

Thomas Anderson Jr. is a financial advisor with Capital Group Private Client Services, Inc. in Los Angeles, holding a Series 66 designation and 16 years of industry experience. His prior work history includes roles at Capital Bank & Trust Company and J.P. Morgan. Capital Group Private Client Services, Inc. provides discretionary investment management and related services primarily to high-net-worth individuals and charitable organizations, focusing on relationships at or above a $5 million threshold. The firm employs a multi-manager investment approach emphasizing fundamental research and long-term strategies, often implementing client portfolios through affiliated pooled funds and separately managed account programs.

Michael Morrissey is a financial advisor with Capital Group Private Client Services, Inc. based in Chicago, IL. He holds Series 63 and Series 65 designations and has 10 years of industry experience. His prior roles include positions at AB Bernstein Private Wealth Management and Capital Bank & Trust Company. Capital Group Private Client Services, Inc. provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, focusing on accounts generally above $5 million. The firm employs a multi-manager investment approach emphasizing fundamental research and long-term horizons, often allocating client assets to affiliated pooled funds and separately managed accounts.

Brett Davalos is a financial advisor at EP Wealth Advisors with 14 years of industry experience. He holds the Series 66 designation and previously worked at Peninsula Wealth LLC for 13 years before joining EP Wealth Advisors in 2025. EP Wealth Advisors is an independent, fee-only registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm offers discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document facilitation, using a suitability-driven approach that incorporates a range of investment vehicles and third-party managers.

Adam Werner is a CFP®-certified financial advisor with 15 years of industry experience. He has worked at EP Wealth Advisors since 2018 and previously at Donnelly Wealth Advisors, Inc. from 2012 to 2018. EP Wealth Advisors is a fee-only, independent registered investment adviser serving individuals, charitable organizations, corporations, trusts, and retirement plans. The firm employs a suitability-driven process to manage portfolios using a variety of investment vehicles and also offers tax preparation and estate-document facilitation services to qualified clients.

Ryan Heiligenthal is a CFP® with seven years of experience in the financial services industry. He is currently with OSAIC Advisory Services, LLC and has prior experience at Securities America Advisors and SABRE Financial Services. He volunteers providing financial coaching to veterans and their families through the Coordinated Assistance Network/Foundation for Financial Planning. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, pension plans, corporations, and nonprofits. The firm offers a range of advisory services through multiple program models and utilizes both proprietary and third-party platforms to manage client portfolios.

Brandon Yee is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and nine years of industry experience. He has worked at multiple firms including First Allied Advisory Services and Cetera Investment Advisers. Brandon is also involved with Guidant Planning, Inc. in a marketing assistant role. United Planners Financial Services is a national wealth-management enterprise serving a broad client base through independent investment adviser representatives. The firm manages approximately $12.77 billion in assets, primarily on a non-discretionary basis, and offers a range of advisory and brokerage services.

Daniel Romanow is a CFP® professional with 19 years of industry experience. He has been with Capital Group Private Client Services, Inc. since 2021 and previously worked at Capital Bank and Trust Company from 2016 to 2021. He holds Series 63 and Series 66 licenses. Capital Group Private Client Services, Inc. provides discretionary investment management and related services primarily to high-net-worth individuals and charitable organizations, focusing on relationships with a minimum of $5 million in managed assets. The firm utilizes a fundamental research-driven, long-term investment approach and employs a multi-manager system that allocates portfolio segments to individual managers and analysts, often through affiliated pooled funds and separately managed account programs.

David Cantor is a financial advisor with Ep Wealth Advisors in Torrance, CA, holding 23 years of industry experience. He was previously with Longview Asset Management LLC for 24 years and has operated under his own name since 1990. Cantor is the sole owner and president of Raven'sWing Asset Management Inc., which holds a majority interest in LongView Asset Management. Ep Wealth Advisors is a registered investment adviser that serves individuals, corporate clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm constructs customized model portfolios using a combination of fundamental, technical, and cyclical analysis, and provides ERISA-related fiduciary services for defined contribution and defined benefit plans.

Ikuyo Hiraguchi is a financial advisor at TLG Advisors, Inc. with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America and Pruco Securities, LLC, among other firms. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, utilizing a research approach based on fundamental analysis and Modern Portfolio Theory.

Jonathan Penaloza is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with seven years of industry experience. He has worked at Centaurus Financial since 2018 and previously was employed at Footprints Behavioral Health and California State University, Long Beach. Outside of his advisory role, he is involved as a property and casualty insurance agent at CGM Risk Management. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory management through multiple platforms and employs both discretionary and non-discretionary investment arrangements.

William Carey is a financial advisor with Capital Group Private Client Services, Inc. in Los Angeles, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He previously worked at Capital Bank and Trust Company from 2016 to 2021 before joining his current firm in 2021. Capital Group Private Client Services, Inc. provides discretionary investment management and related services primarily to high-net-worth individuals and charitable organizations, focusing on relationships with a minimum of $5 million in assets. The firm employs a multi-manager investment approach emphasizing fundamental research and a long-term horizon, often utilizing affiliated pooled funds and separately managed account programs.

Donita Joseph is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC, bringing six years of industry experience. She is also a partner at Windes, Inc., a CPA firm where she has worked since 1989. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management and financial planning, constructing customized portfolios with a long-term approach and utilizing both internal and third-party asset management.

Jungtsan Lee is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and has held roles at Star Max Universal and J.D. Leos, Inc. Outside of his advisory work, he is an independent realtor affiliated with Star Max Universal. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and businesses. The firm employs a model portfolio approach supported by third-party money managers and platform sub-advisors, offering a range of advisory, brokerage, and retirement-plan services through a large advisor network.

Ronald Kring is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding a Series 65 designation and seven years of industry experience. He has held roles at Money Concepts Advisory Services, SCI Franchise Holdings, and FIT Strategic Advisors, among others. Outside of advisory work, he serves as Director and Secretary of SCI Franchise Holdings, a biohazard cleaning company. Money Concepts Advisory Services provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm manages approximately $4.07 billion in assets, utilizing model-driven, asset-allocation strategies supported by third-party managers and platforms like Envestnet.

Ju Hwan Oh is a financial advisor with Money Concepts Capital Corp in Anaheim, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Money Concepts Capital in 2025, he worked at Unity Wealth Partners and Ameritas Investment Company, LLC. In addition to his advisory role, he is a partner at John Oh CPA Professional Corp, where he provides accounting and tax planning services. Money Concepts Advisory Service offers investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation strategies across discretionary and non-discretionary programs, managing approximately $4.07 billion in client assets through a network of several hundred advisors.