Stephanie Richman is a CFP® professional with 34 years of industry experience, currently serving as an advisor at EP Wealth Advisors in Torrance, CA. Her prior experience includes roles at Fidelity Private Wealth Management and running her own firm, Richman Financial Planning, LLC. Outside of advising, she is involved in managing rental properties. EP Wealth Advisors is a registered investment adviser serving individuals, corporate and business clients, and retirement plans. The firm offers wealth management, financial planning, and ancillary services, employing customized model portfolios and a mix of fundamental, technical, and cyclical analysis, along with third-party manager recommendations and ERISA plan services.

Michael Barragan is a financial advisor with Eagle Strategies (NY Life) in San Dimas, CA, holding a Series 66 designation and 15 years of industry experience. His prior work includes roles at Bank of America, Merrill, Mutual of America Securities, Ameriprise, and Massachusetts Mutual Life Insurance Company. In addition to advisory work, he is appointed with outside carriers to broker non-registered insurance products. Eagle Strategies serves a broad mix of individual and institutional clients, offering 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 most assets on a non-discretionary basis.

Alex Canzano is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. Based in Los Angeles, CA, he has been with Citigroup since 2022. Citigroup Global Markets serves individual and institutional clients through various wealth management segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, providing discretionary solutions and a range of investment options including separately managed accounts, mutual funds, ETFs, and alternative products.

Jason Brown is a CFP® professional with 16 years of experience in the financial services industry. He is currently with EP Wealth Advisors and has previously worked at firms including NEXT Financial Group, Pinnacle Peak Private Client Group, BCG Securities, Robert W Baird & Co., and The Vanguard Group. EP Wealth Advisors serves individuals, corporate and business clients, and retirement plans, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses a combination of fundamental, technical, and cyclical analysis to create customized portfolios and provides additional services such as tax preparation and estate-document preparation for qualified clients.

James Carr Jr. is a financial advisor at EP Wealth Advisors with Series 63 and Series 65 credentials and over 26 years of industry experience. He previously worked at CIBC World Markets and Banc America Robertson Stephens. He serves on multiple boards, including Wesleyan College, The Task Force for Global Health, the Rotary Club of Atlanta, and Emory University. EP Wealth Advisors provides wealth management, discretionary portfolio management, and financial planning services to individuals, corporate and business clients, and retirement plans. The firm employs a combination of fundamental, technical, and cyclical analysis to construct customized model portfolios and offers additional services such as tax preparation and estate-document preparation for qualifying clients.

Kendra Baranko is a CFP®, CFA®, and Series 65 credentialed advisor with 11 years of industry experience. She currently works at Wealth Enhancement Advisory Services, LLC and was previously with Pillar Pacific Capital Management, LLC. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management, utilizing diversified, risk-class based allocations that combine passive and active management overseen by an internal Investment Committee.

Nevin Garcia is a financial professional at GWN Securities Inc. with one year of industry experience. Prior to joining GWN Securities, he held roles at Northwestern Mutual Investment Services LLC, Northwestern Mutual Life Insurance Company, HNTB Corporation, and Foss Maritime Company. Outside of his advisory work, Garcia provides ski instruction for a youth ski and snowboard program and offers pet sitting services. GWN Securities serves individual and corporate clients through a range of managed account programs and financial planning services. The firm uses a combination of affiliated and unaffiliated sub-advisers and employs both traditional asset allocation and tactical trading strategies in its portfolio management.

Brian Mulvey is a financial advisor at EP Wealth Advisors with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Minot Wealth Management LLC and UBS Financial Services Inc. since 2008. EP Wealth Advisors serves individual, corporate, and retirement plan clients, offering wealth management, discretionary portfolio management, and financial planning services. The firm uses customized model portfolios and a combination of fundamental, technical, and cyclical analysis to manage investments, and provides ancillary services such as tax preparation and estate-document preparation for qualified clients.

Luke Cavanagh is a financial advisor at EP Wealth Advisors with a Series 65 designation and two years of industry experience. His prior work includes roles at AdaptHealth Corp and IKEA Purchasing Services (US) Inc. EP Wealth Advisors serves individuals, corporate clients, and retirement plans by offering wealth management, discretionary portfolio management, and financial planning services. The firm creates customized model portfolios using a combination of fundamental, technical, and cyclical analysis, and provides access to ancillary services such as tax preparation and estate-document preparation for qualifying clients.

Tony Yang is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Citigroup since 2013. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with in-house research and oversight, supporting both discretionary and non-discretionary investment solutions.

James Reinke is a CFP® and holds a Series 66 designation with 28 years of industry experience. He has worked at EP Wealth Advisors since 2021, following seven years at ICMA-RC Services, LLC and sixteen years with Ameriprise. 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, financial planning, and ancillary services such as tax preparation and estate-document preparation for qualifying clients, utilizing customized model portfolios and a mix of fundamental, technical, and cyclical analysis.

Cindy Pheng is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Her prior roles include nine years at JP Morgan Securities and over three decades at Modern Jewelers. She is also co-owner of two private rental property entities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and maintains notable institutional scale with unique market roles.

Janice Vuong is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her background includes roles at Anneta Insurance Solutions, Morgan White Group, Delta Dental, and several health and dental insurance services, focusing on providing insurance solutions including Medicare plans. She offers health, dental, and vision insurance options alongside her financial advisory work. Transamerica Financial Advisors serves a diverse range of clients, including individual investors, pension plans, and charitable organizations, providing both advisory and broker-dealer services through proprietary and third-party investment models.

Linxin Chen is a financial advisor at Citigroup Global Markets with 13 years of industry experience. Chen holds Series 63 and Series 66 registrations and has previously worked at East West Bank, Cetera, Bank of America, and Merrill. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles and arrangements.

Vincent Chan is a financial advisor with Eagle Strategies (NY Life) based in Los Angeles, CA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. His background includes roles at Ares Management LLC and the UCLA Anderson School of Management. Outside of his advisory work, he provides in-home support services assisting his mother with daily needs. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored recommendations and manages the vast majority of its assets on a non-discretionary basis.

Asif Faheem is a financial advisor with GWN Securities Inc. in Los Angeles, CA, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at GWN Securities since 2023 and is currently associated with Pension 101 as a financial specialist. Faheem is also co-owner of AAAAF LLC, a holding company formed for tax purposes that maintains a long-term investment account. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals, including high-net-worth clients, and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm operates a large network of advisors and offers a range of managed-account programs with both traditional and legacy market-timing investment strategies.

Chad Burton is a CFP® with 26 years of experience in the financial services industry. He is currently with EP Wealth Advisors, where he has worked since 2021, following sixteen years at NewFocus Financial Group, LLC. His prior roles include positions at VOYA Financial Advisors, Locust Street Securities, and Vestax Securities Corporation. 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, offering customized model portfolios and a variety of ancillary services, including tax preparation and estate-document facilitation for select clients.

Jeffrey Wu is a financial advisor at Citigroup Global Markets with 16 years of industry experience. His prior work includes roles at Cetera, CTBC Bank, Googain Inc., and Wells Fargo. He holds Series 63 and Series 65 licenses. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options and operates with a combination of large institutional scale and specialized market roles.

April Zee is a financial advisor at First Citizens Investor Services, Inc. with 16 years of industry experience. She holds the Series 66 designation and has worked at firms including Kestra Advisory and D.A. Davidson & Co. April is also affiliated with First Citizens Bank. First Citizens Investor Services serves individuals, pension and profit-sharing plans, charitable organizations, and corporate entities, offering advisory and brokerage services through IARs and third-party Portfolio Managers. The firm employs a client process focused on financial needs assessments and uses fundamental, quantitative, and technical analysis to allocate among various asset classes.

Yelena Vayner is a financial advisor at Capital Group Private Client Services, Inc. with eight years of industry experience. She has previously worked at Wells Fargo Bank and Capital Bank & Trust Company. She holds the Series 66 designation and is based in Los Angeles, CA. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach called the "Capital System" that emphasizes fundamental research and a long-term horizon. The firm implements client portfolios through separately managed accounts, affiliated funds, and alternative investment vehicles.