Travis Banks is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has worked within the Charles Schwab organization since 2022 and previously held roles at TD Ameritrade. Outside of finance, he owns and manages Demeir Investments LLC and Demeir Home Solutions LLC, entities involved in real estate activities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its wealth advisory program, delivering guidance based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Paul Pendorf II is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Independent Financial Group in 2010, he worked with Massachusetts Mutual Life Insurance Company and has been self-employed since 1994. He serves as the secretary on his condominium association’s Board of Directors. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutional clients.

Nazih Yehya is a financial advisor with Eagle Strategies (New York Life) based in Anaheim, CA. He holds Series 63 and Series 66 designations and has 20 years of industry experience. Yehya is involved in various insurance brokering activities through multiple related entities. He serves on the boards of the Cerritos College Foundation and the CSU Fullerton Center for Leadership. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement plan advisory services. The firm delivers customized advice through multiple program types, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Margaret Kelly is a financial advisor at Centaurus Financial, Inc. with two years of industry experience. She holds a Series 66 designation and has operated Kelly and Associates since 2011, where she is also involved in tax preparation as an enrolled agent. 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 both discretionary and non-discretionary portfolio management and utilizes a variety of investment analysis approaches and specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Lianne Larson is a financial advisor with Independent Financial Group, LLC in Irvine, CA, holding Series 63 and Series 65 registrations and bringing 23 years of industry experience. She has been affiliated with Independent Financial Group since 2022 and also serves as president of LNL Retirement, LLC, a DBA used for marketing purposes. Larson is additionally an officer and director at KDM Meridian. Independent Financial Group is a large, integrated 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 range of platforms and combining in-house and third-party manager models to deliver investment strategies tailored to clients’ risk profiles.

Bettina Marie Banzon is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has one year of industry experience. Her prior work includes a brief tenure at Morgan Stanley and involvement with Bomber Eyewear. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution and custody services. The firm integrates internal standards and oversight committees to select and monitor investment managers and provides solutions that include discretionary and non-discretionary accounts, mutual funds, ETFs, alternative funds, and digital asset exposure.

Dalal Sallman is a financial advisor at HSBC Securities (USA) Inc. with 21 years of industry experience. She holds Series 66 and Series 63 licenses and has been with HSBC Bank USA N.A. since 2014. Based in Irvine, CA, she serves clients through a range of managed account programs offered by her firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using multiple program types including client-directed and fully discretionary options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and third-party providers, managing both discretionary and non-discretionary portfolios with operational features such as an Offshore Spectrum program for qualified non-resident aliens.

Raymond Kinjo is a financial advisor with Eagle Strategies (NY Life) in Anaheim, CA, holding Series 63 and Series 66 credentials and 17 years of industry experience. He has worked with Eagle Strategies, New York Life, and NYLife Securities LLC since 2014 and operates Kinjo Insurance and Financial Services, focusing on brokering non-registered insurance products. Kinjo is also an author, having written a book sharing his personal and family experiences. Eagle Strategies serves a diverse client base, including individual investors and institutional sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm provides multiple program types tailored to client objectives and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Anil Patel is a financial advisor with HSBC Securities (USA) Inc. based in Irvine, CA, holding a Series 66 designation and 25 years of industry experience. He has worked with HSBC Securities since 2013 and also serves as a Bank Officer for HSBC Bank USA, N.A., where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through multiple program types ranging from client-directed to fully discretionary solutions. The firm’s investment process employs five model risk profiles and integrates asset allocation advice developed with HSBC Global Asset Management, relying on affiliated and third-party providers for advisory and fund selection services.

Rodrigo Muro is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds a Series 66 designation and has worked at Citi bank, Israel Discount Bank of New York, IDB Capital Corp., Bank of New York Mellon, Torrey Pines Bank, and Banc of California. Outside of his advisory role, he owns AVEA LLC, a retail business selling vitamin and supplemental products. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs along with broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles including in-house research, swap dealing, and futures commission merchant services.

Owen Galasso III is a financial advisor at Sanctuary Advisors, LLC with 26 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 12 years before joining Sanctuary Advisors and Sanctuary Securities in 2025. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, estates, and charitable organizations. The firm supports its network of more than 400 independent investment adviser representatives with a range of portfolio management options, financial planning, and retirement consulting services.

Rachelle Fragnito Dufault is a financial advisor with Goldman Sachs Wealth Services in Newport Beach, CA, holding a Series 66 designation and bringing 28 years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2021 and previously spent 25 years with The Ayco Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals and institutional clients. The firm utilizes centralized investment resources and integrated solutions across affiliated entities to deliver tailored wealth management services.

Michele Sarna is a financial advisor at Beacon Pointe Advisors, LLC with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Beacon Pointe and its affiliated entities since 2017, as well as at Purshe Kaplan Sterling Investments and Integrated Wealth Management, Inc. Outside of her advisory role, she is a licensed insurance agent involved in the sale of life and accident/health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a broad range of individual and institutional clients, utilizing a combination of third-party independent managers selected through a formal due-diligence process. The firm offers discretionary wealth management, financial planning, retirement plan consulting, and outsourced CIO solutions, and sponsors proprietary investment vehicles including private funds and a registered interval fund.

Adam Hancock is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with several organizations, including LegacyShield Solutions, Inc., and the Freedom To Live Foundation, where he serves as a consultant and mentor for independence training programs for spinal cord injured individuals. Additionally, he is involved with the Student Debt Solution Center, assisting clients in identifying appropriate government repayment plans for their student loans. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement investment strategies across multiple platforms such as Transamerica ONE and TFA365, managing regulatory assets of approximately $1.7 billion.

Richard Sandoval is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with several firms, including World Financial Group and American Funding Center, and operates a small accounting and tax practice serving several hundred clients. Additionally, he serves as a representative payee for his disabled son’s Social Security and in-home supported services. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory approach and offers multiple program platforms such as Transamerica ONE and TFA365.

Ray Valencia is a financial advisor with Centaurus Financial, Inc. in Irvine, CA, holding a Series 66 designation and 15 years of industry experience. His career includes roles at LPL Enterprise, The Prudential Insurance Company of America, Kovack Securities, and Csenge Advisory Group. He is also an insurance agent specializing in life, long-term care, disability, and health insurance. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services using a mix of discretionary and non-discretionary arrangements.

Douglas Misterly is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA, holding a Series 63 designation and over 33 years of industry experience. He has been with Centaurus Financial since 2005 and also has a long tenure at Industrial Alliance Pacific Blue Cross starting in 2000. Outside of his advisory role, he is a licensed captain and owner of a sailboat charter business on weekends and serves as a volunteer member of the City of Huntington Beach Investment Advisory Board. Centaurus Financial, Inc. serves a diverse client base including individuals, families, businesses, and foundations, offering financial planning, portfolio management, and retirement-plan consulting. The firm utilizes a mix of fundamental and technical analysis and provides both discretionary and non-discretionary investment services.

Michael Goldfader is a financial advisor at Sanctuary Advisors, LLC with 35 years of industry experience. He holds a Series 63 designation and has worked at UBS Financial Services, Wells Fargo Clearing, and Sanctuary Securities. Outside of finance, he is co-owner of a local market in La Quinta, California, that sells Mexican food and plants. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports independent advisors with a variety of portfolio management options and employs multiple investment approaches while acting as a fiduciary under written advisory agreements.

Michael Hughes is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 63 designation and bringing 39 years of industry experience. He has been with J.W. Cole Advisors since 2015 and has been associated with J.W. Cole Financial, Inc. since 2013. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Walter Goeltz III is a financial advisor at Centaurus Financial, Inc. with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Centaurus Financial since 2017, following six years at H.Beck, Inc. Outside of his advisory role, he is involved with several business entities related to tax planning and payroll services. Centaurus Financial, Inc. serves 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 services through a combination of discretionary and non-discretionary arrangements, employing both fundamental and technical investment analyses.