Jonathan Padrnos is a CFP® with three years of industry experience, currently working at Lido Advisors, LLC. He previously worked at Northwestern Mutual in various roles related to wealth management and investment services. Outside of finance, he owned and operated Jonny's Landscaping & Gardening Services for eight years. Lido advises high-net-worth and ultra-high-net-worth individuals, family offices, trusts, charitable organizations, corporations, and pooled investment vehicles. The firm employs an integrated wealth management approach, diversifying across multiple asset classes and implementing options-based strategies, typically managing assets on a discretionary basis and utilizing third-party managers when appropriate.

Franklin Starz is a financial advisor at Cresset Asset Management, LLC with a Series 66 designation and one year of industry experience. His prior work includes roles at LPL Financial LLC, California Bank & Trust, Boot Barn, Big Sky Resort, Chapman University, and MountainScapes. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets. The firm serves individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles, employing a disciplined, risk-aware approach that integrates strategic asset allocation, manager selection, and both active and passive strategies across multiple asset classes.

Michael Jacoby is a financial advisor at PlanMember Securities Corporation with 5 years of industry experience. He holds Series 63 and Series 65 designations and has worked at PlanMember since 2020. In addition to his advisory roles, Jacoby is involved in the hospitality industry as a server at Saddle Peak Lodge. 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 approach to managing unitized, risk-based mutual-fund portfolios and offers educational support including seminars and personalized retirement planning.

Kenneth Waltzer is a CFP® and CFA® with 22 years of experience in the financial advisory industry. He is currently with Wealth Enhancement Advisory Services, LLC, having previously worked at Mutual Securities, Inc., KCS Wealth Advisory, and Kenfield Capital Strategies, where he also serves as president of a holding company unrelated to investment activities. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and managed account referrals for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets and utilizes a diversified, risk-class based investment process combining passive and active managers with quantitative, momentum, and fundamental analysis.

Patricia Kappen is a financial advisor with Centaurus Financial, Inc. She holds Series 63 and Series 65 licenses and has 27 years of industry experience. Prior to joining Centaurus Financial in 2018, she worked at Western International Securities, Financial West Group, and has been the owner of San Juan Financial since 2005, where she provides accounting and tax preparation services, including representing clients before the IRS. Centaurus Financial, Inc. offers advisory and brokerage services to a diverse range of clients, including individuals, families, small businesses, and institutions. The firm utilizes a variety of investment approaches through its CLASSIC Plus platform and provides both discretionary and non-discretionary portfolio management.

Landon Thompson is a CFA® charterholder and holds a Series 65 license, with four years of industry experience. He is currently with Lido Advisors, LLC and previously worked at Olympus Wealth Management, LLC. Lido serves high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, charitable organizations, corporations, and pooled investment vehicles. The firm offers integrated wealth management with diversification across multiple asset classes and implements options-based strategies, managing assets primarily on a discretionary basis and incorporating third-party managers as appropriate.

Dimitri Tsioutsiopoulos is a financial advisor at Schwab Wealth Advisory with 20 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at several firms, including Morgan Stanley and Mass Mutual Investors Services. Dimitri is based in Los Angeles, CA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance emphasizes asset allocation and investment selection using proprietary research tools, with recommendations tailored to clients’ goals and risk tolerance.

Cenovio Melendez is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Citigroup since 2021. Prior to that, he held various roles at Wells Fargo entities from 2008 to 2021. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, including in-house research, derivatives services, and bespoke discretionary solutions.

David Grande is a financial advisor with HSBC Securities (USA) Inc. in Beverly Hills, CA, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with HSBC since 2015. Outside of his advisory role, he is the owner and manager of Grande Vault LLC, a sneaker resale business. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and discretionary investment options. The firm utilizes a multi-profile asset allocation approach and partners with global asset managers and third-party providers for fund selection and portfolio monitoring.

Robert Rosenstock is a financial advisor with Oppenheimer, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. His career includes roles at Oppenheimer Asset Management Inc., Fahnestock & Co. Inc., and CIBC World Markets Corp., where he has worked since 2002. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension plans, charitable organizations, and pooled investment vehicles. The firm offers a range of programs across discretionary and non-discretionary platforms, with services that include strategic asset allocation, manager selection, and retirement consulting.

Bradley Kaufman is a financial advisor at Lido with Series 63 and Series 65 credentials and four years of industry experience. His prior experience includes roles at TradeStation Securities, Integrated Financial Concepts, Cypress Insurance Group, and Liberty Mutual Insurance. Lido serves high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, charitable organizations, corporations, and pooled investment vehicles. The firm offers investment management, financial planning, family office services, and retirement and estate planning, utilizing an integrated wealth management approach that includes diversification across multiple asset classes and options-based strategies.

Gary Madvin is an investment advisor with Kestra Advisory, holding the ChFC® and Series 63 designations and bringing 52 years of industry experience. He has held positions at multiple firms, including Kestra Investment Services and Financial Network Investment Corporation. Outside of advisory work, he is an author and co-wrote a published book with his cousin. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, and advisor-managed accounts, serving clients that include large institutional investors and sovereign wealth funds.

Andrew Hancock is a CFP®, ChFC®, and holds a Series 66 license with 11 years of industry experience. He is currently with Lido Advisors, LLC and has previously worked at SBC Wealth Management and Morgan Stanley. Based in Los Angeles, CA, Hancock has been advising clients since 2015. Lido serves high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, charitable organizations, corporations, and pooled investment vehicles. The firm offers a comprehensive wealth management approach, including investment management, financial planning, and estate planning, and employs diversified strategies across various asset classes while managing assets primarily on a discretionary basis.

Armand Fidler is a CFP® professional with 18 years of experience in the financial services industry. He currently serves as an advisor at Osaic Advisory Services, LLC and has previously worked at Arbor Point Advisors and Securities America. In addition to his advisory role, he owns Picacho Financial Consulting LLC and operates in the insurance sector, focusing on fixed life insurance, long-term care, disability, and annuities. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, pensions, corporations, trusts, and charitable organizations. The firm provides a range of services including investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple program models and custodial relationships primarily with Schwab and Fidelity.

Hanna Horenstein is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses and 26 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and is also the author of *The Virtuity Edge: A Compilation of Success*. Outside of her advisory role, she is involved in student loan repayment assistance through referral partnerships and has experience in real estate sales and development. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension and profit-sharing plans, trusts, estates, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs designed for discretionary or non-discretionary management.

Ryan Reiff is a financial advisor at Cerity Partners LLC in Los Angeles, CA, holding a Series 65 credential with four years of industry experience. Prior to joining Cerity Partners in 2025, he worked at West Coast Financial, LLC from 2021 to 2025 and attended UC Santa Barbara from 2016 to 2020. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm offers tailored asset allocation, manager selection, and periodic rebalancing, combining proprietary quantitative screens with third-party managers and individual securities.

Darnel Bentz is a financial advisor at Kayne Anderson Rudnick Investment Management, LLC with 23 years of industry experience. He has held positions at Kayne Anderson Rudnick since 2013 and previously worked at Charles Schwab from 2004 to 2007. Bentz holds Series 63, Series 65, and Series 66 credentials. Kayne Anderson Rudnick provides discretionary investment management and sub-advisory services to a diverse client base, including institutional and individual investors. The firm’s investment approach centers on fundamental, company-level research combined with proprietary governance and sustainability assessments, offering a broad range of active equity and fixed-income strategies across market capitalizations.

Drew Bryant is a CFP®, ChFC®, and Series 65–licensed financial advisor with five years of industry experience. He has worked at MAI Capital Management, LLC since 2022 and previously held roles at Intersect Capital LLC and BNY Mellon Wealth. MAI Capital Management, LLC provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers customized portfolio management across various strategies and serves both advisory and product-sponsor roles, managing over $72 billion in assets.

Justin Walsh is a CFP® with two years of industry experience, currently serving as a financial advisor at Lido. Prior to joining Lido, he worked at Tolleson Wealth Management and several other financial firms. Lido advises high-net-worth and ultra-high-net-worth clients, including family offices, trusts, and charitable organizations. The firm employs an integrated wealth management approach with diversification across multiple asset classes and implements options-based strategies, typically managing assets on a discretionary basis and utilizing third-party managers when appropriate.

Grant Vahalla is a CFP®-certified financial advisor with 15 years of industry experience, currently with Lido Advisors, LLC. His prior roles include positions at TIAA-CREF, Fidelity Brokerage Services LLC, and Advanced Practice Advisors, LLC. Outside of his advisory work, he is a co-owner of Launderland, a self-serve laundry business in Encinitas, California. Lido serves high-net-worth and ultra-high-net-worth individuals, family offices, trusts, estates, and other entities, providing investment management, financial planning, family office services, and retirement and estate planning. The firm employs an integrated wealth management approach that includes diversification across multiple asset classes and options-based strategies, and it often manages assets on a discretionary basis while utilizing third-party managers and sub-advisers.