Sean Mcginness is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at CUSO Financial Services, T. Rowe Price, Wells Fargo Advisors, and Wells Fargo Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services supported by research and model portfolios from multiple sources.

Patrick Maj is a Certified Financial Planner® with 17 years of industry experience. He has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2017 and spent one year at JPMorgan Securities LLC prior to that. He is based in Las Vegas, NV. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.

Linnette Stauffer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. She has been with Cambridge Investment Research since 2015. Outside her advisory role, she is also employed by the Adam Udy Group in Las Vegas. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

John Triplett is a financial advisor with Cetera Wealth Services, LLC in Las Vegas, NV, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Cetera since 2025 and has owned and operated Triplett CPA Firm since 2015. He serves as president of Lifeskills for Daily Living, a nonprofit organization focused on skills development for individuals. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management options, combining affiliated and third-party managers across discretionary and non-discretionary programs.

Kyle Lum is a CFP®-credentialed financial advisor with 20 years of industry experience. He is currently with Osaic Wealth Inc and has held prior roles at firms including Pruco Securities, LLC, Prudential Insurance Company of America, and MassMutual Life Insurance Company. Lum is also the owner and managing member of Parity Capital Financial LLC, where he provides financial advice to individuals. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services along with financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of tools and platforms to construct and manage portfolios, supporting both discretionary and non-discretionary accounts.

Rotarnah Seung is a financial advisor at Thrivent Investment Management with a Series 66 credential and three years of industry experience. Prior to joining Thrivent, Seung held roles at several companies including LYFT and Bankers Life and Casualty. Seung serves on the national board of directors for Omega Delta Phi, a fraternity focused on building camaraderie and mutual support among its members. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering holistic goal-based financial planning without portfolio management or institutional advisory services.

Linda Cruz is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. She has previously worked at Avantax Advisory Services and maintains her role at Strategize Wealth Management Group. Cruz serves as a board member of the Maryland Twilight Homeowners Association, where she assists with community governance and financial policies. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment managers.

Nicholas Lymangrover is a financial advisor with Ameriprise in Las Vegas, NV, holding Series 63 and Series 65 designations and eight years of industry experience. He has worked at Ameriprise since 2017 and previously held a position at Lee's Discount Liquor. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides clients with tailored recommendation reports and ongoing tax-aware withdrawal strategies.

Mihaela Luminita Dogaru is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works as part of an advisory team focused on serving the wealth management needs of affluent families, senior corporate executives, business owners, and tax-exempt organizations in the Wilmington, Delaware area and the greater Philadelphia metropolitan region. David Plaza, Mihaela's husband, is noted for his extensive experience in wealth management strategies that include asset management, retirement and estate planning, risk management, alternative investments, and specialized lending. While Mihaela’s specific professional background and credentials have not been detailed here, she is professionally aligned with Merrill Lynch Wealth Management, a firm known for comprehensive financial advisory services. Additional information regarding Mihaela's education, professional designations, community involvement, and personal interests was not provided.

Lilia Ramirez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, N.A. since 1999. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lawrence Cervantes is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Carl Johnsen is a financial advisor at UBS Financial Services with 29 years of industry experience. He has been with UBS since 2013 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Robert Disman is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior work includes six years at Investment Advisors LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to project potential outcomes, supporting clients through advisory programs and partnerships.

Ryan Pandy is a financial advisor at Merrill with one year of industry experience and holds the Series 66 designation. His prior work history includes roles at Bank of America, Fitness Alliance LLC, Vans, Discover Card, and Tatum Real Estate Investments. Outside of advising, he owns two multimedia and modeling businesses, BREADHOUSE LLC and RYAN JORDAN PRODUCTIONS LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jocelyn Holzwarth is a CFP® with 28 years of industry experience, currently serving at OSAIC since 2024. She previously worked at Woodbury Financial for 18 years. Outside of her advisory role, she owns a consulting business focused on divorce issues and provides seminars on related topics, and she serves as treasurer for the Green Valley Ranch Homeowner’s Association. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering a range of brokerage and advisory services with an emphasis on asset allocation and portfolio management through multiple advisory platforms.

Ronald Barber is a financial advisor at Primerica Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica Advisors and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and delegates trading to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Warren Castor is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He began his career in the financial services industry in 2004 and has accumulated extensive experience working with a diverse range of clients. His approach involves understanding each client's unique financial situation and helping them develop a plan to achieve their financial goals. Prior to his current role, Warren served as a Financial Consultant at Fidelity Investments from 2012 to 2018. He also worked as an Investment Consultant at TD Ameritrade from 2007 to 2012, and held financial advisor positions at Equity Services and Leonard & Company between 2004 and 2007.

Hector Hernandez is an International Wealth Advisor at Merrill Lynch Wealth Management, holding the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. He joined Merrill Lynch in 1998 after a career in management accounting and internal financial reporting. Hector holds a Bachelor's degree in Accounting from the University of Florida and studied accounting in a graduate program at Florida International University. He also holds Life and Health Insurance Licenses and FINRA registrations including Series 7, 65, and 66. With over 25 years of international wealth management experience, Hector serves affluent clients in the U.S. and abroad, including business owners, corporate executives, and multiple generations of families. He specializes in cross-border portfolio and estate planning strategies, wealth transfer, tax considerations, inflation, currency management, and family and business financial planning. His expertise includes college education planning, philanthropic planning, liquidity management, and portfolio management services. Hector is active in community organizations, serving as a board member of the National Association of Mental Health Miami Dade. He is also a member and former officer of the Miracle Mile Toast Masters. In his personal time, Hector enjoys chess, swimming, traveling, writing, and spending time with his family.

Debra Cohen is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, totaling 13 years before joining Ameriprise in 2022. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Cooper Dolan is a financial advisor at Raymond James & Associates with one year of industry experience. He holds the Series 66 designation and has prior work history including roles at Faherty Brand and Docusign. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a variety of portfolio management styles and affiliated research.