Cristian Zuniga is a financial advisor at Hightower Advisors with a Series 66 designation and four years of industry experience. His prior roles include positions at Morgan Stanley and Independent Financial Group, LLC. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles, utilizing a multi-manager approach that incorporates proprietary research and a broad range of investment strategies.

Maximiliano Briones is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation. He has been with Goldman Sachs & Co. LLC since 2026. Prior to this, he held various positions including roles at Advantage xPo, San Jose State University, Instacart, Imperial Valley College, and Southwest High School. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base ranging from individual investors to institutional clients. The firm offers tailored investment strategies and integrates resources across the broader Goldman Sachs ecosystem, including specialized programs and access to alternative investments.

Frank Sanchez is a CFP® and ChFC® with 30 years of industry experience. He has worked at MAI Capital Management, LLC since 2020 and previously held positions at Bank of the West, BancWest Investment Services, and Comerica Securities. MAI Capital Management, LLC provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages a diverse range of portfolios using various strategies and integrates financial planning and tax services into many client relationships.

Stephanie Saccone is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and one year of industry experience. She has been with Citibank since 2016 and briefly worked at MUFG Union Bank in 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and functioning as a swap dealer and futures commission merchant.

Raymond Lee is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked in various roles related to health and Medicare insurance, college planning, and financial education since 2009. Outside of his advisory work, he is involved in college consulting and serves as an instructor at the Heartland Institute of Financial Education. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver its advisory services through a large network of advisors.

Stephen Thuilot is a financial advisor with GWN Securities Inc. in Orange, CA, holding Series 63 and Series 66 credentials and possessing 16 years of industry experience. He formerly worked at Mill Creek Agency, Inc. for 15 years prior to joining GWN Securities. Outside of his advisory role, he is also a registered representative for a financial services DBA and an insurance agent procuring home, auto, and business insurance. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a range of investment strategies including traditional asset allocation and legacy market-timing and momentum-based approaches.

Kobe Couyoumjian is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. He has been with Independent Financial Group since 2020, with a brief period of unemployment in 2020–2021. Outside of his advisory role, he is involved as a registered representative in a marketing DBA named Cinergy Financial. 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, managing approximately $11.3 billion in regulatory assets through a national network of Investment Adviser Representatives.

Allyson Bonner is a financial advisor at Guardian Life with Series 65 and Series 63 credentials and one year of industry experience. She has worked at Guardian Life, Park Avenue Securities, and Pacific Advisors since 2025. Outside of her advisory role, she is involved in insurance sales. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with financial planning, brokerage services, and investment advisory programs.

Dennis Cotnoir is a financial advisor with Money Concepts Capital Corp in Mission Viejo, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Money Concepts Capital Corp since 2002 and also owns a tax returns and accounting business, which he has operated since 1976. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a mix of model portfolios, advisor-designed portfolios, and third-party sub-advisers, utilizing fundamental and technical analysis alongside modern portfolio theory to manage assets.

Michael Triana is a Series 66-licensed financial advisor with Commonwealth Financial Network, based in Mission Viejo, CA. He has 15 years of industry experience, all of which he has spent at Commonwealth since 2011. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and operational support, allowing affiliated advisors discretion in portfolio construction alongside access to proprietary model portfolios and diverse program structures.

Melissa Clarke is a financial advisor with Savant Wealth Management in Fullerton, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. Her prior roles include positions at Sagepoint Financial Advisors and Kemp Financial Management, LLC. Savant Wealth Management serves a diverse client base including individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with wealth management, financial planning, and related services. The firm employs an investment approach that combines evidence-based, model-driven asset allocation with actively managed strategies, supported by centralized resources and affiliated legal and accounting entities.

James Kieckhafer is a financial advisor at Centaurus Financial, Inc. in Irvine, CA, with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Centaurus since 1998. In addition to his advisory role, he is a partner at Kieckhafer, Lane & Schiffer LLP, providing CPA services, tax consulting, and attest services. Centaurus Financial, Inc. offers advisory and brokerage services to a diverse client base including individuals, families, businesses, and trusts. The firm provides financial planning, portfolio management, and specialized retirement-plan consulting, utilizing both discretionary and non-discretionary arrangements with various investment analysis techniques and overlay programs.

Darren Hem is a financial advisor at Beacon Pointe Advisors, LLC with 10 years of industry experience. He holds the CFP®, CFA®, and Series 66 designations. His prior roles include positions at TRB Wealth Management, Hem Investment Consultants, EP Wealth Advisors, and Capital Group. Beacon Pointe Advisors provides wealth advisory, consulting, standalone financial planning, retirement-plan platform services, and outsourced chief investment officer services to individuals, corporations, pension and profit-sharing plans, and institutional clients. The firm utilizes a combination of asset-allocation modeling and third-party independent managers, employing both active and passive strategies across public and private asset classes.

Matthew Hanson is a financial advisor at Mariner with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Altruist LLC, Virtus Distributors, LLC, and John Hancock Advisers. Mariner serves a broad range of clients including individuals, pension and profit-sharing plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios using in-house research and third-party managers, along with integrated tax and accounting services uncommon among large advisory enterprises.

Julie Johnson is a financial advisor with Beacon Pointe Advisors, LLC in Newport Beach, CA, holding Series 63 and Series 65 licenses and with 14 years of industry experience. She has been associated with Beacon Pointe Advisors since 2010 and also works with Beacon Pointe Insurance Services, LLC, where she is a licensed insurance agent involved in the sale of life and health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs a manager-of-managers approach, utilizing a proprietary “Focus List” for manager selection and offers a range of services including discretionary wealth management, retirement plan consulting, and outsourced CIO solutions.

Xiaoying Shi is a financial advisor at Transamerica Financial Advisors with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Transamerica Financial Advisors since 2012. Shi also has a long tenure with World Financial Group dating back to 2001. Her other business activities include sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored retirement plans, and charitable organizations. The firm utilizes model portfolios and third-party managers across multiple platforms to deliver its advisory services.

Vanessa Burnett is a CFP® with 17 years of experience in financial advising. She is currently with Beacon Pointe Advisors, LLC and Beacon Pointe Insurance Services, having previously worked at United Planners' Financial Services and BRIDGE ADVISORY (f/k/a PENNIALL & ASSOCIATES). Outside of her advisory roles, she serves as Secretary on the Board of Directors for Elizabeth House, a nonprofit organization. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients. The firm utilizes a manager-focused investment approach, combining asset allocation modeling with both active and passive strategies, and offers services including discretionary wealth management and retirement plan consulting.

George Grant is a financial advisor at TIAA-CREF with 32 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked previously at Morgan Stanley and E*TRADE Capital Management. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers model and customized portfolio management and acts as adviser to a donor-advised fund.

Vivia Strome is a financial advisor at Equity Services, Inc. with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at firms including Thrivent Financial and Principal Securities Inc. Outside of her advisory role, she is a partner in a preschool in Santa Rosa, California. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and uses third-party asset managers and model portfolios to deliver a range of investment strategies combining long-term and shorter-term approaches.

Trevor Cummings is a CFP® and holds the Series 66 designation, with 12 years of experience in the financial advisory industry. He has been with HighTower Advisors and HighTower Securities since 2016 and also has experience at Morgan Stanley dating back to 2013. HighTower Advisors delivers investment advisory and planning services to a diverse client base that includes individuals, institutions, pension and profit-sharing plans, charitable organizations, corporations, and trusts. The firm’s advisory approach focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers a range of portfolio management and financial planning services.