Cordelia Lo is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds the Series 66 designation and has been with Citigroup since 2007. Outside of her advisory role, she serves as Chief Marketing Officer for Moscato Software LLC, where she develops branding and marketing strategies. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs along with broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Magaly Aguirre is a financial advisor with Eagle Strategies (NY Life) based in San Dimas, CA. She holds Series 66 and Series 63 designations and has 16 years of industry experience, including roles at NYLIFE Securities LLC and New York Life Insurance Company since 2014. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis.

Timothy Higgins is a CFP® and PFS™ credentialed financial advisor with 13 years of industry experience. He is currently with Money Concepts Capital Corp and has held roles at Blue Palm Consulting and NorthPoint Tax, Wealth & Business Advisory, LLP, where he provides tax preparation and consultation. Outside of advisory work, he is involved in consulting through Blue Palm Consulting and participates in an investment club as an owner. Money Concepts Capital Corp is an enterprise firm with approximately 431 advisors managing $3.33 billion across about 14,700 clients. The firm serves individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations, offering a range of managed programs that include model portfolios, third-party sub-advisers, and both discretionary and non-discretionary account structures.

Dorcity Phipps is a financial advisor with PlanMember Securities Corporation, holding a Series 63 designation and 37 years of industry experience. He has worked at Surety Investment Services since 2014 and has been associated with Irm Distributors, Inc. since 1987. Additionally, he has a long tenure at El Monte Union High School District dating back to 1982. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, offering education and support services including seminars and personalized retirement planning.

Michael Donato is a financial advisor at Citigroup Global Markets with six years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. He is based in Los Angeles, CA. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles, including research, security pricing, and derivatives activities.

Nicolas Walter is a financial advisor at EP Wealth Advisors with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, Keystone Strategy, and RBC Capital Markets. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans by providing wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation. The firm uses a mix of fundamental, technical, and cyclical analysis to construct customized portfolios and offers services including ERISA plan management and third-party manager oversight.

Oscar Varela is a financial advisor with Transamerica Retirement Advisors, LLC, based in Los Angeles, CA. He holds Series 63 and Series 65 licenses and has 13 years of industry experience. His prior work includes roles at Lockton Financial Advisors and Principal Securities. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs that focus on asset allocation, contribution rates, and retirement age guidance. The firm relies on Morningstar Investment Management for portfolio construction and oversight and operates at scale with a large client base and a significant amount of non-discretionary assets.

Austin Beard is a financial advisor at EP Wealth Advisors in Torrance, CA, holding a Series 65 designation with four years of industry experience. His career includes roles at EP Wealth Advisors since 2021 and prior experience at Cook Martin Poulson and various companies in different sectors. EP Wealth Advisors is a registered investment adviser serving individuals, corporate clients, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning, utilizing customized model portfolios and a combination of fundamental, technical, and cyclical analysis, along with access to alternative investments and private fund recommendations.

Linda Stanton is a financial advisor with Osaic Advisory Services, LLC in Torrance, CA, holding Series 63 and Series 65 licenses and 18 years of industry experience. She has previously worked at PFS Investments Inc and Primerica Financial Services. Osaic Advisory Services is an SEC-registered enterprise adviser serving a diverse client base that includes high-net-worth individuals, corporate and charitable entities, pension plans, and sovereign wealth funds. The firm offers a range of investment programs and financial planning services, utilizing various strategies and platform relationships to support its clients.

Ian Clemens is a CFP® and CFA® with four years of industry experience. He is currently with EP Wealth Advisors and has previously worked at CornerCap Investment Counsel, Jon Baker Financial Group, CWM, LLC, and Brightworth. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Tammera Prouty is a Certified Financial Planner (CFP®) with 19 years of experience in the financial advisory industry. She has worked at EP Wealth Advisors since 2021 and previously spent 21 years at Sound Financial Planning, Inc. EP Wealth Advisors is a registered investment adviser that serves individuals, including high-net-worth clients, corporate and business clients, and retirement plans. The firm provides wealth management, discretionary portfolio management, and financial planning services, utilizing customized model portfolios and a variety of investment strategies to meet client needs.

Jonathan Ip is a financial advisor at Citigroup Global Markets with over three years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with institutional scale, including in-house research and roles as a swap dealer and futures commission merchant.

Stephen Kovach is a CFP® professional with 23 years of industry experience. He is currently with EP Wealth Advisors and previously worked at Buffington Mohr McNeal and Charles Schwab. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans with wealth management, discretionary portfolio management, financial planning, and ancillary services such as tax preparation and estate-document preparation. The firm uses a mix of fundamental, technical, and cyclical analysis to construct customized portfolios and provides ongoing monitoring, rebalancing, and fiduciary services for retirement plans.

Kevin Savage is a CFP®-certified financial advisor with 24 years of industry experience. He is currently with D.A. Davidson & Co., where he has worked since 2022, following a 19-year tenure at LPL Financial, LLC. He serves on the investment committee of Hillsides, a nonprofit organization in Pasadena, CA, overseeing its investment assets. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Angelica Betancourt is a financial advisor with Transamerica Financial Advisors in Brea, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is involved in several other business ventures, including Team Conquer Inc, Pro Services Rendered LLC, GAV Property Management LLC, and All For Janitorial Services Inc. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, estates, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs available on discretionary and non-discretionary platforms.

Anson Chen is a financial advisor at GWN Securities Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Target and Tropicana Student Living. Outside of advising, he is involved in insurance sales and financial services through related registered representative roles. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients with discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm offers a range of managed-account programs and model portfolios, including traditional asset-allocation and legacy momentum-based strategies.

Daniel Butterly is a CFA® charterholder and holds a Series 63 license, currently serving as a financial advisor at TIAA-CREF with four years of industry experience. His prior roles include positions at RBC Rochdale, LLC and Wells Fargo. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing retirement plan relationships. The firm operates within a vertically integrated structure and provides both model-based and customized portfolio management under a fiduciary standard.

Armando Herrera is a financial advisor at EP Wealth Advisors with three years of industry experience. He holds a Series 65 credential and previously worked at Harris Financial Advisors, Inc. for seven years. EP Wealth Advisors is a registered investment adviser serving individuals, including high-net-worth clients, corporations, businesses, and retirement plans. The firm offers wealth management, discretionary portfolio management, and financial planning along with ancillary services such as tax preparation and estate-document preparation for qualifying clients. Their investment approach includes customized model portfolios with ongoing monitoring, using fundamental, technical, and cyclical analysis, and incorporates third-party managers and ERISA plan services.

Dante Noffal is a financial advisor at Capital Group Private Client Services, Inc. in Los Angeles, holding a Series 65 credential with one year of industry experience. His prior work includes roles at California State University and employment in the food service industry. Capital Group Private Client Services primarily provides discretionary investment management to high-net-worth individuals and charitable organizations, utilizing a long-term, multi-manager investment approach known as the “Capital System.” The firm manages portfolios through separately managed accounts, mutual funds, ETFs, and alternative strategies.

John Carlson is a financial advisor with Independent Financial Group, LLC in Los Angeles, CA, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has worked at JLB Partners and Wells Fargo Investments, LLC, and operates Carlson Wealth Management as a DBA, providing investment and brokerage services. Independent Financial Group, LLC offers advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and both passive and active investments to construct client portfolios aligned with their risk profiles.