Lester Pyle is a financial advisor with Cetera, holding the ChFC® designation and a Series 63 license, and has 30 years of industry experience. He has worked with Cetera and its affiliated entities since 2013 and is also associated with SageView Advisory Group and Cwmg, LLC. Outside of advisory roles, he is involved in a life settlement business, selling life settlements through Welcome Funds, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.

Kevin Campbell is a financial advisor with OSAIC based in Irvine, CA, holding a Series 66 designation and nine years of industry experience. He previously worked for Lincoln Financial Advisors from 2016 to 2025. Outside of his advisory role, Mr. Campbell offers insurance products, including accident and health, disability, and life insurance, as an agent. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs various asset-allocation tools and manages portfolios with a wide range of investment options on both discretionary and non-discretionary bases.

Ethan Barnes is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. He has been with Mass Mutual and its affiliated companies since 2023. Outside of his advisory role, he is also licensed as an insurance agent specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs using firm-approved software and collaborative annual planning relationships.

Ariel Bowie is a financial advisor with Mass Mutual Investors Services in Irvine, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Mass Mutual, Bowie worked at NYLIFE Securities LLC, Impact Legacy Group, and Symmetry Financial Group. Outside of financial advising, Bowie is involved in real estate as a licensed agent and is the founder and educator of the Finically Flourishing Collective, an educational platform focused on financial literacy and business education for women in real estate. Bowie also serves as Director of Academic Engagement for Invested, connecting educational programs with schools and educators. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a collaborative and annual planning approach with tools such as Monte Carlo simulations to help clients set goals and receive tailored recommendations.

Alexander King is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at various J.P. Morgan entities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Kevin Dykes is a financial advisor with Mass Mutual Investors Services and holds the Series 63, 65, and 66 licenses. He has 16 years of industry experience, including prior roles at Morgan Stanley, Citigroup Global Markets, and Merrill. In addition to his advisory work, he is the owner and president of Magellan Capital Inc, a group life and health insurance company, and provides consulting services to other financial professionals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements focused on collaborative goal analysis and written recommendations using firm-approved tools.

Bryce Johnson is a financial advisor with Ameriprise in Rancho Mission Viejo, CA, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Charles Schwab, Charles Schwab Bank, and Northwestern Mutual. He serves on the Board of Directors for the Boys and Girls Club of Tustin. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research and modeling to deliver tailored, tax-efficient income strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Madeleine Stewart is a financial advisor at RBC Capital Markets in Irvine, CA, holding a Series 66 designation with 19 years of industry experience. She has been with RBC Capital Markets since 2014. Outside of her advisory role, she is a notary public. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Madeline Wolfson is a financial professional with three years of industry experience. She currently works at OSAIC and holds Series 63 and Series 65 licenses. Her prior experience includes roles at Cetera and Tax & Financial Group. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Merrianne Tocco is a financial advisor with Wells Fargo Clearing in Irvine, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Bank and Wells Fargo Clearing Services since 2017 and previously spent ten years at Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research and analytics.

Evan Munaretto is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs & Co LLC. In addition to his financial roles, he has experience working with Soulcycle and Heyday Wellness LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Daniel Venegas is a financial advisor with Equitable Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has worked with Equitable Advisors since 2000 and was previously associated with Axa Advisors, LLC. Venegas is the sole owner of DCV, Inc., an S-Corporation. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models and offers ERISA fiduciary services without sponsoring its own wrap fee program.

David Almquist is a financial advisor at Stifel with 48 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Almquist holds Series 63 and Series 65 designations. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment guidance is based on a proprietary methodology from its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling.

Gerry Pak is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional clients. The firm uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Thomas Bennett Jr. is a CFP® professional with 36 years of industry experience, currently affiliated with Cetera. He has held roles at several firms including LPL Financial, Trilogy Capital, and National Planning Corporation. Outside of his advisory work, he serves as a successor trustee for a family trust and operates as an insurance agent selling life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. It offers a multi-manager platform with access to various portfolio management strategies, financial planning, and retirement services across a broad array of program structures.

Vanessa Ly is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 14 years of industry experience. She has worked at firms including Morgan Stanley, Fidelity Investments, Ameriprise Financial Services, and Oppenheimer. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Ruben Smith is a CFP® certificant with 22 years of experience in the financial services industry. He is currently affiliated with LPL Financial, where he has worked since 2022. His prior experience includes roles at JPMorgan Securities LLC and Osaic FA, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, supported by a large network of investment adviser representatives and various institutional platforms.

Marco Aguirre Espinosa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Clearing since 2021 and previously held roles at LYFT and Wells Fargo Bank, N.A. Outside of his advisory work, he has also worked as a driver for LYFT. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and acting as an ERISA fiduciary when providing investment advice.

Howard Hsieh is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2014. His prior work includes a role at East West Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and retirement services, featuring a multi-manager platform and various program structures with discretionary and non-discretionary options.

William Parton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience spanning multiple roles in financial services since 2018. His background includes positions at Armada Analytics, HG Sply, Hanley Investment Group, and Wells Fargo Advisors, as well as earlier work outside finance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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, serving as an ERISA fiduciary and including investment options such as insurance-related vehicles and bank deposit sweep programs.