Karen Reifel is a Certified Financial Planner (CFP®) with 18 years of industry experience. She is affiliated with Beacon Pointe Advisors, LLC and Beacon Pointe Insurance Services, LLC, where she has worked since 2011. In addition to her advisory role, she is a licensed insurance agent involved in the sale of life and accident/health insurance products. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, retirement-plan services, and outsourced chief investment officer functions to individual and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs both active and passive investment strategies across public and private asset classes.

Aaron Gabriel is a financial advisor with Guardian Life and Park Avenue Securities LLC, holding Series 63 and Series 65 licenses and having three years of industry experience. His prior roles include work at Northwestern Mutual Wealth Management Company. In addition to his advisory work, he is an active associate with LegalShield, offering clients estate planning and legal services outside of investment management. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, institutional clients, and charitable organizations. The firm offers a range of financial planning, retirement consulting, and investment advisory programs tailored to client needs.

Steven Stauff is a CFP® and holds a Series 66 license with 24 years of industry experience. He has been with IEQ Capital, LLC since 2023 and previously worked at City National Bank for seven years. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals and families, as well as trusts, foundations, endowments, and nonprofit organizations. The firm’s investment process includes centralized macroeconomic research and client-specific Investment Policy Statements, utilizing a combination of liquid strategies, third-party independent managers, and private alternative investments.

Verne Weisberg is a financial advisor with Transamerica Financial Advisors in Irvine, CA, holding Series 65 and Series 63 credentials. He has one year of industry experience and prior work history that includes medical practice mentoring and involvement with multiple business ventures. Weisberg also serves as a managing partner of Birchwood Holdings, LLC, which invests in a variety of opportunities including equities and venture capital. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm provides proprietary and third-party investment models with discretionary and non-discretionary options and reported over $2 billion in assets under management as of the end of 2025.

Tamara Tudor is a financial advisor with Beacon Pointe Advisors, LLC, holding a Series 65 designation and one year of industry experience. Her prior roles include positions at Bridge Advisory LLC, Matrix Private Capital Group, Keudell Morrison Wealth Management, Kemper Insurance, and Legal & General Insurance Co. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients, using a combination of third-party independent managers and proprietary investment vehicles to implement client strategies.

Nicole Gasque is a financial advisor at J. W. Cole Advisors, Inc. with four years of industry experience. She previously worked at Spectrum Wealth Management and has a background in the restaurant industry. Gasque holds Series 63 and Series 65 licenses and also serves as a power of attorney for her mother. J. W. Cole Advisors operates a large network of independent advisers offering fee-based portfolio management, financial planning, retirement plan services, and digital advice to individuals, high-net-worth clients, and institutions. The firm utilizes both discretionary and non-discretionary management and employs a combination of fundamental and technical analysis alongside model and manager-based strategies.

Brian Ephraim is a financial advisor at Commonwealth Financial Network with 27 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Northwestern Mutual and Guided Path Wealth Management. Ephraim also engages in fixed insurance sales as an agent. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, allowing advisors discretion in portfolio construction alongside managed model portfolios and various distinct program structures.

Ethan Norris is a financial advisor at Mariner in Newport Beach, CA, holding a Series 65 designation with no prior industry experience before joining the firm. His background includes four years at Pitzer College and four years at Branham High School. Mariner serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs discretionary, customized portfolios supported by both internal research and third-party managers, and provides integrated tax, accounting, and financial wellness solutions uncommon for firms of its size.

Michael Nemzek is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Creative Planning since 2018. Prior to joining Creative Planning, he worked at JPMORGAN Securities LLC for three years. He also teaches fundamental principles of comprehensive personal financial planning at the University of California, Irvine. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, supported by a broad range of supplemental portfolio management options and affiliated non-investment businesses such as a law firm, trust company, and retirement plan recordkeeping services.

Phu Nguyen is a financial advisor with Eagle Strategies (NY Life) based in Irvine, CA, holding the Series 63 and Series 66 designations and with 17 years of industry experience. He has worked with New York Life Insurance Company and its affiliated entities since 2006. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives, with an emphasis on tailoring recommendations to client objectives and plan sponsor criteria.

Monica Yeung is a financial advisor at Principal Financial Services with three years of industry experience. She holds the Series 66, Series 65, and Series 63 licenses and has prior experience at Wells Fargo and AIA International Ltd. Outside of advisory services, she is a licensed realtor and a notary public. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jerry Wilk is a financial advisor at SPC with 46 years of industry experience. He holds a Series 63 designation and has worked at SPC since 2017. His prior experience includes roles at Sigma Financial Corporation, The Planners Network, Inc., and National Planning Corp. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisers managing approximately $5.66 billion in assets.

Nicholas Tan is a financial advisor with Goldman Sachs Wealth Services and holds the Series 66 designation. He has one year of industry experience and has previously worked at the Bank of New York Mellon and Goldman Sachs. Goldman Sachs Wealth Services advises a diverse client base, including individual investors, executives, plan sponsors, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm integrates capabilities across Goldman Sachs affiliates and employs strategic allocation models, tax-aware techniques, and proprietary analytics in its advisory process.

Stephen Nielander is a CFA® charterholder with 24 years of industry experience, currently serving as an advisor at Cerity Partners LLC since 2012. He also teaches a finance course as adjunct faculty at San Diego State University. Cerity Partners is an SEC-registered investment adviser that serves a diverse client base including individuals, families, institutions, and corporations, offering customized portfolios with a focus on diversified asset allocation and access to alternative and private-market investments.

Connor Benvenuti is a financial advisor at Goldman Sachs Wealth Services with 11 years of industry experience. He holds a Series 66 designation and previously worked at The AYCO Company, L.P./Mercer Allied from 2013 to 2021 before joining Goldman Sachs in 2021. He is based in Newport Beach, CA. 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 a range of tailored offerings, delivering services through both discretionary and non-discretionary managers within a large integrated financial group.

Terrence Loughran is a CFA® charterholder with 27 years of industry experience. He is currently an advisor at RBC Rochdale, LLC, where he has worked since 2012. His prior experience includes roles at CNR Securities, LLC and City National Bank, where he has been employed since 2007. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, and institutional investors. The firm employs a multi-strategy investment process that integrates quantitative and fundamental analysis, offering discretionary and non-discretionary portfolio management as well as sub-advisory services.

Dheepu Nambiar is a financial advisor at Goldman Sachs Wealth Services with 14 years of industry experience. He holds a Series 66 designation and has worked at Goldman Sachs since 2021, following an 11-year tenure at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a wide range of clients, including individual and high-net-worth households, corporate participants, and institutional clients. The firm leverages centralized investment resources and offers tailored solutions such as Executive Wealth, Private Family Office support, and retirement plan education within a large integrated financial group.

Neil Livingston is a financial advisor at Beacon Pointe Advisors, LLC with seven years of industry experience. He has been with Beacon Pointe Advisors since 2017 and previously worked at Teles Properties from 2015 to 2017. He holds a Series 65 designation. Beacon Pointe Advisors provides wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer solutions to individual investors, corporations, pension and profit-sharing plans, and institutional clients. The firm combines asset-allocation modeling with third-party Independent Managers and employs both active and passive strategies across public and private asset classes.

Yi Huang is a financial advisor with Transamerica Financial Advisors in Irvine, CA, holding Series 63 and Series 65 licenses and 21 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and at World Financial Group since 2005. Yi Huang discloses involvement related to rental property interests managed by her husband, Kun Qian. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment models, operating as both a registered broker-dealer and a registered investment adviser.

Alberto Segura is a financial advisor at Citigroup Global Markets with a Series 66 designation and three years of industry experience. His prior roles include positions at PNC Bank, HSBC Bank, and Citi Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies utilizing internal standards and oversight committees to select and monitor managers.