John Gardner is a CFP® and ChFC® at EP Wealth Advisors with six years of industry experience. He previously worked at Northwestern Mutual in various roles from 2018 to 2023 before joining EP Wealth Advisors. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services, using a combination of fundamental, technical, and cyclical analysis along with alternative investment strategies.

Kamron Nahavandi is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. His prior roles include positions at MassMutual, The Prudential Insurance Company of America, and Fit Strategic Advisors LLC. He is also involved with FIT Planning Group, offering fixed and indexed insurance products. Money Concepts Advisory Service provides 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 approaches and operates alongside its broker-dealer and insurance businesses, offering clients access to a wide range of proprietary and third-party investment programs.

Michelle James is a CFP® at EP Wealth Advisors with one year of industry experience. Prior to joining EP Wealth Advisors, she worked at the Colorado Department of Homeland Security and Emergency Management, Douglas County School District, and Charles Schwab & Co. She also co-founded Mixing Bowl Cookie Dough, LLC, a food-related business. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualified clients, using a mix of fundamental, technical, and cyclical analysis in their investment approach.

Frank Messano III is a financial advisor with Private Advisor Group, LLC, holding Series 66 and Series 63 credentials and 19 years of industry experience. His prior roles include positions at LPL Financial LLC, Strategic Wealth Advisors Group, and First Financial Equity Corporation. Outside of advisory work, he operated the 3D Studio Gallery for 16 years. Private Advisor Group serves a diverse client base, including individuals, business entities, trusts, estates, and charitable organizations, providing portfolio management, financial planning, and retirement-plan consulting. The firm offers a range of advisory programs supported by third-party asset managers and a proprietary WealthSuite separately managed account platform.

Gina Seid is a CFP® with seven years of experience in the financial industry. She currently works at Creative Planning and has previously held roles at Morgan Stanley, Wells Fargo Clearing, First Republic, and Edward Jones. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure.

Timothy Mcvey is a CFP® with 40 years of industry experience, currently serving at Centaurus Financial, Inc. since 2004. He has been self-employed since 1986 and also works as a tax preparer and real estate broker. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, businesses, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through both discretionary and non-discretionary arrangements.

Maxon Seckman is a financial advisor at EP Wealth Advisors with three years of industry experience. He holds a Series 65 credential and previously worked at Criterion Capital Advisors LLC and Dell Technologies. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans by offering wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios and a variety of investment strategies, including fundamental and technical analysis, and provides ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Kathleen Zwickl is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with 14 years of industry experience. She holds a Series 66 credential and has been with Centaurus since 2015. In addition to her advisory role, Kathleen provides life and legacy coaching focused on helping individuals and families uncover their gifts and preserve wealth across generations. Centaurus Financial, Inc. delivers advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements.

Cristopher Moran is a CFP®, CFA®, and Series 66 credentialed advisor with 22 years of industry experience. He has been with EP Wealth Advisors since 2008. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation for eligible clients, using customized model portfolios and a combination of fundamental, technical, and cyclical analysis.

Douglas Beaver is a financial advisor at Integrated Wealth Concepts LLC with two years of industry experience. He is also a partner at Windes Inc., a CPA firm. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through independent financial advisors. The firm offers discretionary investment management, financial planning, and family office services, using customized portfolios with a primarily long-term approach and a variety of investment vehicles.

David Lawrence is a financial advisor at EP Wealth Advisors with 11 years of industry experience. He holds the Series 65 and Series 66 licenses and has previously worked at Executive Wealth Management, Dynamic Wealth Solutions, TD Ameritrade, and DWS Distributors. EP Wealth Advisors serves individual, corporate, and retirement plan clients, offering wealth management, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualified clients. The firm employs a combination of fundamental, technical, and cyclical analysis to construct customized portfolios and also provides ERISA fiduciary services for defined contribution and defined benefit plans.

Osvaldo Cisneros is a financial advisor at Centaurus Financial, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial since 2020, with prior roles at Pruco Securities LLC and the University of California, Irvine. Outside of his advisory work, he owns an online blog called Socratic Speech and a related podcast named I Think, Therefore I Pod. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary investment arrangements with varied analytical approaches.

John Nguyen is a financial advisor with Money Concepts Capital Corp, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked with several firms, including FIT Strategic Advisors LLC and Crown Capital Securities, L.P. Outside of his advisory role, Nguyen serves as president and CEO of J & N Partnership Financial, focusing on life insurance and tax planning, and is a board member of the nonprofit Youth Leadership American. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across about 14,700 clients using a variety of managed programs, combining model portfolios, adviser-designed portfolios, and third-party sub-advisers with both discretionary and non-discretionary account structures.

Joey Katz is a financial advisor at EP Wealth Advisors with 25 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley, E*Trade Securities, and TD Ameritrade. 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 employs customized model portfolios and a blend of fundamental, technical, and cyclical analysis, and provides access to tax preparation and estate-document services for qualified clients.

Sophia De Luca is a financial advisor at Goldman Sachs Wealth Services with a Series 66 credential and one year of industry experience. She has held prior roles at Goldman Sachs Ayco, Infinity Financial Services, NBCUniversal, and AMC Theaters. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm leverages centralized investment resources and integrated financial group affiliates to offer tailored wealth management solutions and specialized corporate programs.

Regina Frias is a financial advisor at Centaurus Financial, Inc. with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Vanderbilt Financial Group and Prosperity Builders, Inc. In addition to her advisory role, she serves as a marketing representative for a legal services network focused on educating clients about living trusts and advanced estate planning. 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, and retirement-plan consulting through a variety of discretionary and non-discretionary arrangements utilizing both fundamental and technical analysis.

Jason Yamamoto is a CFP® professional at Independent Financial Group, LLC with 22 years of experience in the financial services industry. He has been with Independent Financial Group since 2016. Outside of his advisory role, he is involved in insurance sales and real estate as an agent and also provides notary and management consulting services. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, and plan sponsors with investment advisory programs, financial planning, and retirement plan services. The firm offers a range of discretionary and non-discretionary strategies through various platforms, combining in-house and third-party model portfolios.

Sarah Yuen is a financial advisor at Goldman Sachs Wealth Services with six years of industry experience. She holds a Series 66 designation and has worked previously at Ayco and Mercer Allied, as well as at several law firms and Chapman University’s Dale E. Fowler School of Law. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, corporate participants, executives, and institutions. The firm offers financial planning and portfolio management supported by strategic allocation models and manager selections, integrating resources across Goldman Sachs affiliates to provide a broad range of specialized wealth services.

Jerome Duhovic is a financial advisor with Centaurus Financial, Inc. and Pacific Point Securities, LLC, holding a Series 63 credential and 32 years of industry experience. He also works as a marketing and training consultant for non-investment-related firms. Centaurus Financial serves a wide range of clients, offering advisory and brokerage services with a mix of discretionary and non-discretionary portfolio management, employing various analytical approaches and providing specialized financial planning and retirement consulting.

Connie Jensen is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also involved with GNEST Corporation, where she serves as vice president. Additionally, Jensen has experience with companies such as Inheritguard, LLC and Elite Exclusive Escrow, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, trusts, estates, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios and provides a range of program options, including discretionary management and commission-based products.