David Daley is a financial advisor at Forefront with four years of industry experience. He holds a Series 66 designation and has previously worked at Daley Financial Planning LLC, End Pro Services, and several other firms. Outside of advisory work, Daley is involved in marketing for the financial industry through his role with N2 Content Marketing. Forefront Wealth Partners is a team-based SEC-registered advisor serving individual clients, business owners, and corporate clients. The firm offers discretionary investment management, comprehensive financial planning, and estate-planning coordination, utilizing a multi-advisor structure and third-party managers to create customized portfolios.

Luis Espinoza is a financial advisor at IP Financial Advisory Services LLC with 22 years of industry experience. He holds the Series 66 designation and has worked at multiple firms, including First Financial Equity Corporation and Espinoza Private Wealth Management, the latter being his own branding name for investment business. Outside of advisory work, he serves on the Board of Directors for the Desert Recreational District. IP Financial Advisory Services primarily serves individual retail clients, offering portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes customized portfolio construction and monitoring, often using discretionary authority, and refers clients to third-party investment advisors while providing a broad range of financial and insurance consulting services.

David Smith is a financial advisor at Prospera Financial Services, Inc. with 31 years of industry experience. He previously worked for Painter, Smith & Gorian, Inc. for 29 years. Smith serves as a governing board member of the East Valley Water District. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors overseeing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and other entities, offering financial planning, portfolio management, and access to multiple advisory platforms.

Raymond Prospero is a financial advisor at Mariner Independent with 15 years of industry experience. He holds the ChFC® and Series 66 designations. His prior work includes ten years at Merrill Lynch and two years at AdvicePeriod, LLC. He serves on the boards of Lifestream and Circle City Rotary. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm delivers services through independent advisers on the Mariner platform, offering portfolio management, access to model portfolios and third-party managers, as well as specialized planning and tax engagements.

Norberto Carmona is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 license and three years of industry experience. His prior roles include positions at Wescom Financial Services, CUSO Financial Services, Schoolsfirst Federal Credit Union, LPL Financial, and JP Morgan Chase & Co. He also served in the US Army Reserve for six years. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options primarily through managed advisory programs that incorporate third-party portfolio managers.

Jason Golembeski is a financial advisor at Prospera Financial Services, Inc. with one year of industry experience. He holds a Series 66 designation and previously worked at Painter, Smith and Amberg Inc. for six years and was involved with Hangar 24 Brewery LLC for seven years. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, portfolio management, and access to multiple advisory programs and third-party platforms.

Thomas Steele is a financial advisor with Gradient Advisors, LLC in Riverside, CA, holding a Series 65 designation and bringing eight years of industry experience. He has previously worked at Jack Keeter & Associates and has over 30 years with Wealth Preservation Concepts. Outside of Gradient Advisors, he is involved in executive services for small business owners through WPC Executive Services Inc. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm operates primarily through a network of Investment Advisor Representatives and third-party money managers, using a largely non-discretionary model with tools such as the Color of Money Risk Analysis to tailor client portfolios.

Jody Pierce is a financial advisor with Vanderbilt Advisory Services in Anaheim, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Vanderbilt, Pierce worked at Avantax Advisory Services and Cetera Wealth Services. Outside of advising, Pierce is an IRS Enrolled Agent providing tax preparation and accounting services through GFS, Inc. Vanderbilt Advisory Services serves a diverse client base including individuals, high-net-worth clients, charitable organizations, trusts, estates, businesses, and retirement plans. The firm’s investment approach combines strategic asset allocation with fundamental, technical, and charting analysis, offering discretionary and non-discretionary management, proprietary models, and third-party sub-advisor access.

Jaye Ferguson is a financial advisor with Sovran Advisors, LLC, holding a Series 66 designation and 11 years of industry experience. Prior to joining Sovran Advisors, Ferguson worked at Charles Schwab & Co., Inc. and First Allied Securities, Inc., among other firms. Sovran Advisors serves individuals, corporations, and retirement plan sponsors, providing financial planning and portfolio management through various program types. The firm employs both active and passive investment strategies and offers access to multiple custodial platforms and third-party managers.

Aaron Donaldson is a financial advisor with Navy Federal Investment Services, LLC, holding Series 66 and Series 63 licenses and six years of industry experience. He has worked extensively within the Navy Federal corporate structure since 2013, including various roles across Navy Federal Investment Services, Navy Federal Financial Group, and Navy Federal Credit Union. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm utilizes managed advisory programs featuring third-party portfolio managers on the Envestnet platform, delivering a range of solutions including unified managed accounts, strategist portfolios, and digital automated ETF portfolios.

Enrico Tolson is a financial advisor at Virtue Capital Management, LLC with five years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill and Axa Advisors. Tolson has also worked as an independent insurance agent. Virtue Capital Management serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios using tactical, strategic, and dynamic approaches and operates through a multi-team model that provides ongoing monitoring, reporting, and client education.

Blake Isaeff is a financial advisor with Golden State Wealth Management, LLC in Riverside, CA, holding Series 65 and Series 63 registrations. He has six years of industry experience and has been with Golden State Wealth Management since 2018. His prior work includes roles at Renaissance Wealth Management, LPL Financial, Canyon Crest Country Club, and the University of California, Riverside. Golden State Wealth Management serves individual, trust, pension, and business clients with asset management, financial planning, and retirement consulting. The firm emphasizes discretionary portfolio management and uses a range of analytic approaches and third-party managers to tailor portfolios.

Hal Burns is a financial advisor with LPL Financial based in Ontario, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at Avantax Advisory Services and related firms from 2015 to 2021 and currently operates Burns Tax & Wealth Management and Hal Burns & Associates, providing tax preparation and accounting services. Burns also provides investment advisory services through Verus Capital Partners, LLC, an independent registered investment advisor. LPL Financial offers advisory and brokerage services to a wide range of clients, including individuals, retirement plans, institutions, and high-net-worth households. The firm supports its advisors with in-house research and a variety of investment solutions, combining advisory capabilities with non-advisory products such as insurance and lending services.

Zelalem Girma is a financial advisor at Realta Investment Advisors, Inc with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Morgan Stanley, LPL Financial, and NewEdge Advisors LLC. Outside of finance, he operates a bakery-related business during non-trading hours. Realta Investment Advisors provides discretionary and non-discretionary investment advisory services and financial planning to individuals, pension and profit-sharing plans, and institutional clients. The firm employs a tailored investment approach using asset allocation across various asset classes and offers services including portfolio management, retirement-plan consulting, and estate planning.

Robert Osgood is a financial advisor with Thrivent Advisor Network, LLC, holding a Series 66 designation and eight years of industry experience. He has worked with several entities affiliated with Thrivent since 2018 and previously with Purshe Kaplan Sterling Investments. Outside of advisory work, he serves as Treasurer and Secretary of IEFC, LLC, overseeing its finances and strategic direction. Thrivent Advisor Network, LLC provides discretionary and non-discretionary investment advisory services to individuals, families, trusts, estates, businesses, and retirement plans. The firm typically constructs long-term, diversified portfolios using low-cost mutual funds and ETFs, while offering access to independent managers and model portfolios.

Gary Graham is a financial advisor with Calton & Associates, Inc. in Corona, CA, holding Series 63 and Series 65 licenses and over 34 years of industry experience. His prior experience includes roles at Wedbush Securities Inc., Crowell, Weedon & Co., Wells Fargo Clearing, and Prudential Equity Group, LLC. Outside of advisory services, he serves as a referral closer for American Alternative Assets, assisting with the purchase of physical precious metals. Calton & Associates is a multi-team firm serving individuals, retirement plans, trusts, estates, and business entities. The firm provides fee-based portfolio management and financial planning, sponsors wrap fee programs, and offers a combination of advisory, brokerage, and insurance services through its dually registered representatives.

Michael Mercer is a financial advisor with IP Financial Advisory Services LLC, holding 49 years of industry experience. He has worked at Centaurus Financial, Inc. for 17 years and has operated Mercer Tax and Financial Services since 1997, which provides income tax preparation and insurance product sales. Mercer is based in Upland, CA. IP Financial Advisory Services LLC primarily serves individual retail clients and offers portfolio management, financial planning, consulting, and access to third-party investment managers. The firm focuses on non-high-net-worth retail investors and retirement plan participants, using a variety of analytical approaches and providing specialized advisory services including actuarial and insurance consulting.

Melanie Blakney is a Series 65-licensed financial advisor with eight years of industry experience. She currently works at McAdam LLC, where she has been since 2024. Her prior roles include positions at Pacific Wealth Management, LLC, Holstrom, Block and Parke, and Breckinridge Capital Advisors, Inc. McAdam LLC is an enterprise-scale registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers a multi-advisor platform providing financial planning, investment management, and retirement-plan consulting, utilizing fundamental analysis and a range of investment strategies tailored to clients’ risk tolerance and objectives.

Jeremy Logeot is a ChFC® credentialed financial advisor at First Advisors National, LLC with one year of experience at the firm and over 12 years in the financial services industry. Prior to joining First Advisors National, he worked at Transamerica Financial Advisors, Inc. and World Financial Group, INC. from 2013 to 2025. First Advisors National provides investment management, asset allocation advice, and retirement plan consulting primarily to individual clients, including ERISA plan participants. The firm utilizes third-party money managers and supplements portfolios with advice on equities, ETFs, and mutual funds, managing approximately $506.8 million in discretionary assets.

Kyle Smith is a financial advisor at Prospera Financial Services, Inc. He holds Series 65 and Series 63 licenses and has experience dating from 2019, including roles at Farmers Insurance and Interac. He is based in Redlands, California. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, portfolio management, and access to various advisory programs and platforms.