Lawrence Zerg is a financial advisor at Zacks Investment Management, Inc. with 38 years of industry experience. He holds a Series 63 designation and has worked at Dean Witter Reynolds Inc., LBMZ Securities, Inc., and Zacks Investment Management since 2006. Zacks Investment Management provides discretionary portfolio management to a diverse client base, including individuals, trusts, retirement plans, and institutional investors. The firm employs a quantitative and qualitative investment process driven by proprietary models and serves both direct clients and third-party advisers through a range of strategies and investment vehicles.

Mark Gustafson is a financial advisor at Prosperitas Financial, LLC with one year of industry experience. He holds the Series 66 designation and has worked at firms including Park Avenue Securities, Guardian Life Insurance Company, WestPac Wealth Partners, Merlin Financial Services, and iO Acoustics. Gustafson also serves as a power of attorney for his mother and works as an independent insurance agent. Prosperitas Financial, LLC is a multi-team registered investment adviser managing over $812 million for approximately 1,745 clients through a 39-advisor team. The firm provides asset management, portfolio management, financial planning, retirement plan consulting, and other advisory services to individuals, trusts, pension plans, and businesses, using a range of securities and third-party managers when appropriate.

Ralph Dexter is a financial advisor with Prosperitas Financial, LLC, holding a Series 66 designation and over 40 years of industry experience. His prior roles include positions at Centaurus Financial INC. and RDD Wealth Management, as well as ownership of Dexter & Associates, a tax and accounting business. He manages client portfolios and performs stock research as part of his advisory work. Prosperitas Financial, LLC is a multi-team registered investment adviser serving approximately 1,745 clients with a team of 39 advisors. The firm provides comprehensive portfolio management, financial planning, and consulting services to individuals, trusts, pension plans, and businesses, employing diverse investment strategies including individual securities, third-party money managers, and ongoing portfolio monitoring.

Audrey Pierson is a financial advisor with RFG Advisory, LLC, holding a Series 66 designation and 26 years of industry experience. She has worked with firms including Cetera and LPL Financial and has owned Pierson Wealth Management since 2006. In addition to investment advisory, she is involved in life insurance sales through Clarity to Prosperity. RFG Advisory is a multi-team registered investment adviser serving over 17,000 clients with approximately $8 billion in assets under management. The firm offers portfolio management, financial planning, and retirement plan consulting, utilizing a combination of active and passive investment strategies with a focus on risk management.

Jeremy Leibowitz is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Prosperitas Financial, LLC since 2023. He previously worked at GWN SECURITIES, Inc. and Axa Advisors, LLC. Leibowitz is involved in financial planning activities outside of traditional investment advice, including consulting on disability insurance, advising on long-term care insurance, and providing referrals for estate planning services. He is also a member of the Dave Ramsey SmartVestor program. Prosperitas Financial, LLC is a multi-team registered investment adviser managing over $812 million for approximately 1,745 clients through a 39-advisor team. The firm offers asset management, comprehensive portfolio management, financial planning, and consulting services to individuals, trusts, pension plans, and businesses, utilizing a wide range of securities and third-party money managers with ongoing monitoring aligned to client objectives.

Matthew Francis is a financial advisor at HBW Advisory Services LLC with a Series 65 designation. He has no prior industry experience but has worked in media and video production, including as a video director for Bayside Church since 2021 and running Matty Fran Media since 2008. HBW Advisory Services manages approximately $1.75 billion in client assets and serves a diverse client base including individuals, families, charitable organizations, businesses, and retirement plans. The firm uses a blended investment approach with third-party money managers and sub-advisers, and it offers institutional and intermediary services alongside retail client management.

Christopher Ingram is a financial advisor with Prosperitas Financial, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Next Financial Group Inc since 2007 and joined Prosperitas Financial in 2021. Ingram is involved in several business activities including managing his own investment advisory firm, Ingram Financial Solutions, and acting as an agent for fixed insurance products and mortgage sales. He is also a sponsored athlete promoting vitamin and supplement products. Prosperitas Financial, LLC is a multi-team registered investment adviser managing over $812 million for approximately 1,745 clients through a team of 39 advisors. The firm provides asset management, comprehensive portfolio management, financial planning, retirement plan consulting, and financial institution consulting for individuals, trusts, pension plans, and businesses, using a variety of investment vehicles with ongoing monitoring and rebalancing.

Heidi Hershman is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. She has worked with HBW Advisory Services since 2011 and previously held positions at Cetera and Cetera Wealth Services. Outside of her advisory role, she serves as president of the board at Ilan Ramon Day School, a private Jewish day school. HBW Advisory Services manages approximately $1.75 billion in client assets and offers discretionary and non-discretionary asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach that includes tactical asset allocation and multi-manager diversification, and it provides sub-advisory, co-advisor, and wrap-fee portfolio services.

Howard Martinez is a financial advisor at Prosperitas Financial, LLC with 20 years of industry experience. He holds a Series 66 designation and previously worked at Kinecta Financial & Insurance Services, LLC and LPL Financial, LLC for nine years. Martinez has also participated as a research study participant outside of his advisory duties. Prosperitas Financial, LLC is a multi-team registered investment adviser managing over $812 million for approximately 1,745 clients through a 39-advisor team. The firm provides asset management, financial planning, retirement plan consulting, and services for individuals, trusts, pension plans, and businesses, employing a diversified investment approach with ongoing portfolio monitoring and third-party manager integration when appropriate.

Brian Malkinson is a Series 65 licensed financial advisor with eight years of industry experience, currently serving at HBW Advisory Services LLC since 2018. He has held leadership roles including Chief Operating Officer at Jones Financial Network and President of TIG Wealth Management Inc., focusing on estate planning. He is also the President and owner of The Brayley Group, a management and business consulting firm, and works as a notary public. HBW Advisory Services manages approximately $1.75 billion in client assets, offering asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and pension plans. The firm employs a blended investment approach using third-party money managers and emphasizes diversification and downside protection, while also providing institutional and retirement plan services.

Robert Sullivan III is a financial advisor with HBW Advisory Services LLC in Newport Beach, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at multiple firms including Cetera Advisor Networks and Goldhorn Capital Management LLC, which he owns. Outside of financial advising, he is co-owner of Raghorn Ranch Land & Cattle Co LLC, where he assists with horse training and agricultural activities. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to a diverse client base including individuals, families, charitable organizations, and institutional plans. The firm employs a blended investment approach that incorporates tactical asset allocation and multi-manager diversification, and it offers sub-advisory and wrap-fee portfolio services through partnerships such as Betterment Institutional.

Jennifer Brown is a financial advisor at Prosperitas Financial, LLC with 21 years of industry experience. She holds a Series 66 designation and has been with Prosperitas since 2022, alongside managing Brown Investment Management since 2015. Brown is also the owner and CEO of The Investor Card LLC, a financial and technology startup, and maintains a licensed insurance agency focusing on life and health insurance. Prosperitas Financial, LLC is a multi-team registered investment adviser managing over $800 million for approximately 1,745 clients through a 39-advisor team. The firm provides comprehensive portfolio management, financial planning, and consulting services to individuals, trusts, pension plans, and businesses, utilizing a range of investment vehicles and third-party managers tailored to client objectives.

Ryan Weichman is a CFP® and CFA® credentialed advisor with nine years of industry experience. He is currently with Mercer Global Advisors Inc., where he has worked in multiple roles since 2015, with prior experience at Hill Island Financial, LLC and Ameriprise Financial Services, Inc. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based investment approach featuring globally diversified, risk-appropriate portfolios and offers a range of implementation options including ETFs, mutual funds, separate accounts, and direct indexing.

Bradley Bronk is a financial advisor at Commonwealth Financial Network with 20 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Commonwealth since 2009. Outside of his advisory role, he is involved in fixed insurance sales at his branch location. 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 offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Christopher Wisdom is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 66 credentials and nine years of industry experience. His background includes prior roles at Eaton Vance Distributors, Inc. and Parametric Portfolio Associates. Outside of his advisory work, he plans to provide in-home support services for a disabled adult through the Los Angeles County Department of Public Social Services. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional investors, offering financial planning, portfolio management, and retirement plan consulting. The firm provides advice primarily through non-discretionary programs and maintains dual registration as both an SEC-registered investment adviser and a broker-dealer.

Jennifer Joseph is a financial advisor with Eagle Strategies (NY Life) based in Santa Clarita, CA, holding Series 65 and Series 63 licenses and five years of industry experience. Her background includes roles with NYLIFE Securities LLC, New York Life Insurance Company, and FM Global. She is also involved with the United States Youth Volleyball League. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes customized recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Shawn Abrahamse is a financial advisor at Citigroup Global Markets with 27 years of industry experience. He holds a Series 66 designation and has been with Citigroup Global Markets since 2007. The firm serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. Citigroup Global Markets is notable for its large institutional scale, multi-asset strategies, and unique market roles including swap dealing and futures commission merchant activities.

Ryan Ramos is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Cetera ADVISORS, Pierson Wealth Management, and Western International Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Andrea Rhinehart is a financial advisor at Focus Partners Wealth, LLC with 17 years of industry experience. She holds a Series 65 designation and has worked at Churchill Management Group since 2003. Rhinehart joined Focus Partners Wealth in 2025. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework and offers a range of fiduciary, tax, and business management services.

Lonna Weems is a financial advisor with Centaurus Financial, Inc. in North Hills, CA, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She has been with Centaurus Financial since 2013. Outside of advising, she works as a yoga instructor in North Hills. Centaurus Financial, Inc. provides advisory and brokerage services to individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a range of discretionary and non-discretionary arrangements.