Seth Morris is a financial advisor with AE Wealth Management, LLC, holding a Series 65 license and six years of industry experience. He is also an officer and 25% owner of Clarity Tax Partners, LLC, where he focuses on tax strategies and planning. His prior work includes roles at Larry H. Miller and Sears Wealth Management & Insurance Solutions. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individual households, corporations, and ERISA plan sponsors. The firm emphasizes model portfolio and direct asset management programs and supports third-party RIAs through sub-advisory and model-licensing services.

Bryan Cooper is a financial advisor with Commonwealth Financial Network in Mira Loma, CA, holding a Series 66 designation and eight years of industry experience. His career includes multiple tenures at Commonwealth Financial Network and leadership at Cooper Associates. He has worked in appraisal services at BRC Appraisal for over two decades. 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, including discretionary model portfolios and personalized investment solutions.

Beneta Reynoso is a financial advisor at Centaurus Financial, Inc. with 40 years of industry experience. She has been with Centaurus since 2007. Outside of her advisory role, she serves as CEO of Empire Financial Benefits, Inc., and is involved in estate planning services through Epic Estate Plans and AmeriEstate Legal Plan, Inc. 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 and portfolio management through platforms like CLASSIC Plus, employing various analytical approaches and both discretionary and non-discretionary arrangements.

Jeffrey Beaulieu is a financial advisor with Eagle Strategies (NY Life) based in Riverside, CA, holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked with Eagle Strategies since 2016 and has maintained ongoing roles with New York Life and Nylife Securities since 1994. Outside of his advisory work, he is a motivational speaker, delivering personal messages on positivity at New York Life meetings. Eagle Strategies serves a diverse client base, including individuals, institutions, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers a range of advisory programs and focuses primarily on non-discretionary asset management, operating within the integrated New York Life affiliate structure.

Violeta Mendez is a financial advisor with Voya Financial Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Voya since 2016 and previously worked at Valic Financial Advisors for 13 years. In addition to her advisory role, she is an independent insurance agent selling fixed insurance products. Voya Financial Advisors, Inc. is an enterprise-scale firm offering financial planning, portfolio management, and retirement advisory services to individuals, plans, charities, and corporations. The firm combines in-house and outside strategies with technology-enabled tools to deliver both discretionary and non-discretionary investment management through a broad network of advisors.

Sean Muhlstein is a CFP® professional with 20 years of experience in financial advising. He has been with VOYA Financial Advisors, Inc. since 2015 and previously worked at Wells Fargo Clearing. Outside of his advisory work, he is involved in fiction writing and community education on opera, delivering lectures with audio and video presentations. VOYA Financial Advisors, Inc. is an enterprise-scale firm serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, and retirement advisory services through a large network of advisers, combining model portfolios and technology-enabled tools with both discretionary and non-discretionary account management options.

Chase Morris is a financial advisor at AE Wealth Management, LLC, holding a Series 65 designation with four years of industry experience. His background includes legal practice as a solo attorney at his own law office and roles in multiple financial and legal firms. He is an officer and partial owner of Clarity Tax Partners, LLC, where he works on tax strategies and planning in collaboration with licensed CPAs and enrolled agents. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement plan consulting to a diverse client base, including individual households, corporations, trusts, and ERISA plan sponsors. The firm emphasizes discretionary model portfolios and standardized platform services across a large client base.

Austin Bustamante is a financial advisor at Eagle Strategies (NY Life) with 17 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with firms including Blue Cedar Financial and Insurance Solutions and Generations Capital Strategies & Insurance Solutions. He is also involved in insurance brokering through his DBA, Blue Cedar Financial and Insurance Solutions, focusing on New York Life products and other insurance services. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, with most assets managed on a non-discretionary basis.

Daniel Yee is a financial advisor with Money Concepts Capital Corp in Riverside, CA, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has been with Money Concepts Capital Corp since 2008 and operates Vision Solved Franchise Services as a franchise consultant. Additionally, he provides medical insurance consulting through a sole proprietorship. Money Concepts Advisory Service (MCAS) manages portfolios and offers financial planning and consulting services to individuals, pension plans, trusts, charitable organizations, and corporations. The firm utilizes a range of managed programs and investment strategies, including proprietary retirement model portfolios and third-party sub-advisers, serving approximately 14,700 clients with about $3.33 billion in assets under management.

Albert Munoz is a financial advisor with PlanMember Securities Corporation in Redlands, CA, holding Series 63 and Series 66 licenses and with 29 years of industry experience. He has been with PlanMember since 2003 and also operates an independent insurance agency. Munoz serves as a director and treasurer on the board of The Grove School, where he oversees finance and budgeting. PlanMember provides retirement-plan advisory services to employers and participants, acting as a fiduciary for many plans and offering participant-level investment options. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios and delivers education and support services to plan sponsors and participants.

Kevin Landen is a financial advisor with Valic Financial Advisors, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has been with Valic Financial Advisors since 2015 and has concurrent roles at Agia and Thornton Winery. Outside of his advisory work, he is also active as a real estate agent with EXP Realty of Southern California, assisting family and friends with property listings and sales. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors, utilizing discretionary unified managed accounts and overlay services supported by centralized technology and model solutions.

Paul Sprague is a financial advisor at Voya Financial Advisors, Inc. with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Voya Financial Advisors since 2014, following seven years at Voya Financial Partners, LLC. Outside of finance, he assists with an antique and estate jewelry business owned by his domestic partner, supporting show setups and sales activities. Voya Financial Advisors, Inc. provides financial planning, portfolio management, and retirement advisory services to individuals, plans, charities, and corporations. The firm utilizes investment policy statements, model portfolios, and technology-enabled tools to deliver both discretionary and non-discretionary management through a large network of advisors.

James Riner is a financial advisor at Centaurus Financial, Inc. with 46 years of industry experience. He holds the Series 63 designation and has worked at Centaurus Financial in two separate periods totaling 10 years, as well as three years at Crown Capital Securities, LP. He is also the owner of James Riner & Associates, a non-investment related business used for branding purposes. 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 through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements with a variety of analytical approaches.

Roel Aguinaldo is a financial advisor at VALIC Financial Advisors with nine years of industry experience. He holds the Series 66 designation and has worked at VALIC Financial Advisors since 2017. Outside of his advisory role, he operates an affiliate marketing business focused on health and fitness products. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Timothy Merwin is a CFP® professional at VOYA Financial Advisors, Inc. with eight years of industry experience. He previously worked at Financial Management Network Inc, FMN Capital Corporation, and Aon Hewitt. Outside of his advisory role, he referees youth soccer games on weekends. VOYA Financial Advisors, Inc. serves individuals, pension plans, charitable organizations, and corporate clients, offering financial planning, portfolio management, third-party money manager access, and retirement advisory services. The firm employs a combination of in-house and external strategists and technology tools to implement client-focused investment strategies, primarily through non-discretionary accounts.

David Hilton is a financial advisor at VOYA Financial Advisors, Inc. with 39 years of industry experience and holds a Series 66 designation. He has worked at VOYA Financial Advisors since 2014 and previously spent nine years at Voya Financial Partners, LLC. Outside of his advisory role, he serves as a tour guide for underwater scuba diving tours at the Aquarium of the Pacific. VOYA Financial Advisors, Inc. offers financial planning, portfolio management, and retirement-plan advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to implement investment recommendations, providing both discretionary and non-discretionary account management.

Joe Marini is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Voya Financial Advisors and its affiliates since 2004. Outside of his advisory role, he is involved in managing rental properties. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer firm serving individuals, pension plans, charitable organizations, and corporate clients. The firm provides financial planning, portfolio management, and retirement-plan advisory services through a large network of representatives, using a combination of in-house and external strategies with a focus on both non-discretionary and limited discretionary management.

Lilia Hernandez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC, Merrill, Bank of America N.A., and LPL Financial. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, along with brokerage execution and custody services. The firm combines large institutional scale with specialized roles such as swap dealing and futures commission merchant activities.

James Ott is a financial advisor with Commonwealth Financial Network in Yucaipa, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes long tenures at Signator Investors, Inc. and OSAIC, followed by roles at Elevare Advisors and Warmen & James Private Wealth, where he is a co-owner. Commonwealth Financial Network serves a national network of advisors and their clients by providing a range of advisory programs, technology, and operational support. The firm offers multiple investment platforms and discretionary model portfolios while acting as a back-office provider for affiliated advisors.

Laura Ayon is a financial advisor at Empower Advisory Group with six years of industry experience. She holds a Series 66 designation and has worked at GWFS Equities, Inc., JPMorgan Securities LLC, and JPMorgan Chase Bank NA. Outside of her advisory role, she is an independent consultant for Paparazzi Accessories, a business selling jewelry and hair accessories. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.