Callum Abernethy is a Series 66 licensed advisor at Goldman Sachs Wealth Services with one year of industry experience. His background includes roles at FS Investments and M2O Private Fund Advisors, as well as academic positions at the University of Pennsylvania. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm integrates strategic allocation models and manager selections with a broad array of affiliated capabilities across the Goldman Sachs ecosystem.

Alice Agyemang Badu is a CFP® professional with 14 years of industry experience, currently advising with Eagle Strategies (NY Life). She has been with Eagle Strategies since 2013 and also maintains roles with Nylife Securities LLC and New York Life Insurance Company. Outside of her advisory work, she serves on the board of Amasan Radio, an online station focused on supporting the immigrant Ghanaian community, and holds leadership roles in nonprofit organizations related to education and library support. Additionally, she volunteers with the CFP Board’s Disciplinary and Ethics Commission. Eagle Strategies serves a diverse client base, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm provides tailored solutions across multiple program types, working with individual investors, institutional clients, and plan sponsors, with an emphasis on non-discretionary asset management and fiduciary responsibilities.

Robert Schimmel is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, holding a Series 66 designation with 23 years of industry experience. He has been with Centaurus Financial since 2015. Outside of his advisory role, he serves as an operations manager at Hamilton Wealth Management, where he is involved in administrative, sales, marketing, and advisory services. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services through its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements with various analytical approaches.

Melissa Jones is a financial advisor with J. W. Cole Advisors, Inc. She holds Series 63 and Series 65 licenses and has 40 years of industry experience. Her career includes roles at J.W. Cole Advisors, J.W. Cole Financial, Douglas W. Jones Associates Financial and Insurance Services, Accent Insurance Brokerage, and Transamerica Life. Outside of her advisory work, she authored a book on Oregon Trail history and created a related website. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Michael Mackesy II is a financial advisor at Goldman Sachs Wealth Services with seven years of industry experience. He holds the Series 63 and Series 66 designations and has prior experience at The Ayco Company, Mercer Allied, and Northwestern Mutual Investment Services. Outside of his advisory role, he is involved in dog breeding in Escondido, California. Goldman Sachs Wealth Services serves a diverse client base including individual investors, executives, plan sponsors, and institutional clients, offering financial planning and portfolio management along with specialized wealth programs. The firm integrates resources across Goldman Sachs affiliates to provide tailored investment strategies and a broad range of advisory services.

Richard Yuen is a financial advisor at Citigroup Global Markets with 16 years of industry experience. He holds a Series 66 designation and has worked at CitiGroup, UnionBanc Investment Services, and MUFG Union Bank since 2015. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs combined with broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional capabilities alongside unique market roles such as acting as a security-based swap dealer and futures commission merchant.

John Carter is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 licenses. He has 32 years of industry experience and has been involved with multiple firms, including Royal Financial and GRE Development, Inc. Outside of his advisory roles, he owns and operates Carter Financial, focusing on non-variable insurance. United Planners Financial Services serves a diverse client base ranging from individuals and corporations to charitable organizations and institutional clients. The firm offers an open-architecture platform with multiple custodians and third-party money managers, providing both fee-based and commission-based financial planning, portfolio management, and brokerage solutions.

Joseph Ordonez is a financial advisor with Principal Financial Services located in Huntington Beach, CA. He holds Series 63, Series 65, and Series 66 licenses and has 17 years of industry experience. His prior roles include positions at John Hancock, Pensionmark Financial Group, and Kestra Advisory Services. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Yossry Ghaly is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC, JP Morgan Chase Bank, N.A., Equitable Advisors LLC, Swiss International Financial Brokerage, and Henyep Asiya. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and brokerage services. The firm combines large institutional scale with specialized market roles and provides discretionary and non-discretionary solutions that include exposure to alternative and digital-asset products.

Caden Wiles is a CFP® with five years of industry experience, currently affiliated with Schwab Wealth Advisory. His prior experience includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and The Vanguard Group. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach utilizes internal research tools and standard asset-allocation models, with recommendations tailored to client goals and risk tolerance.

Richard Nelson is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA. He holds Series 63 and Series 65 licenses and has 43 years of industry experience. Nelson has worked at Centaurus Financial since 2012 and has operated Nelson Pension and Insurance Services since 1994, where he also serves as president and sells fixed insurance products. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a variety of discretionary and non-discretionary arrangements.

Alfred Valencia is a financial advisor with Guardian Life and holds a Series 66 designation. He has nine years of industry experience and has worked primarily with Park Avenue Securities and Guardian Life Insurance Company. In addition to his advisory role, he is a part owner of a small family restaurant where he helps manage the kitchen staff. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a subsidiary of The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Reina Alvarez is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at J.P. Morgan Securities and First Republic Securities Company. Citizens Securities serves individual and high-net-worth investors and offers investment advisory programs alongside brokerage and insurance services. The firm’s advisory approach includes a digital advisory program with ETF-based portfolios and a Managed Account program, operating as a broker-dealer and insurance agency.

Chris Iwamasa is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Rockefeller Financial LLC and Merrill Lynch, Pierce, Fenner & Smith. Citigroup Global Markets serves individual and institutional clients across various segments, offering a wide range of investment advisory programs and brokerage services. The firm implements multi-asset and multi-manager strategies using established internal standards and oversight committees, combining large institutional scale with specialized market roles.

Charlotte Huang is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Bank prior to joining Citigroup. Huang is based in Fountain Valley, California. Citigroup Global Markets serves individual and institutional clients across various segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with significant institutional scale, including in-house research and roles as a swap dealer and futures commission merchant.

Sergio Dominguez Florencio is a Series 66 licensed advisor with Goldman Sachs Wealth Services, based in Newport Beach, CA, and has four years of industry experience. His prior work includes roles at Wells Fargo and The Boeing Company, as well as academic positions at California State University, Long Beach and Glendale Community College. 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 utilizes centralized investment resources and model portfolios, offering tailored solutions such as Executive Wealth and Private Family Office support within a large integrated financial group.

Noah Ross is a financial advisor at Centaurus Financial, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining Centaurus Financial, he worked at Mischler Financial Group, Inc. and has experience in both educational and entrepreneurial roles, including involvement with Youngs Beach Shack. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of advisory and brokerage services encompassing financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized management of annuity and variable life sub-accounts.

Michael Andrews is a Certified Financial Planner™ (CFP®) with 25 years of industry experience. He is currently with Schwab Wealth Advisory Inc., where he has worked since 2022, and previously held positions at Charles Schwab, USAA Financial Planning Services, and TIAA-CREF. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program or referred by Charles Schwab & Co., using standardized asset-allocation models and internal research tools to guide investment selection and wealth management.

Steven Williams is a financial advisor with Cerity Partners LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has worked at Cerity Partners since 2020 and concurrently with Cantor Fitzgerald & Co. since 2015. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors, managing approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

James Eberhardt is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Centaurus Financial since 2003 and also has extensive experience with Pension Services Corporation and United Pension Consultants, Inc. Outside of his advisory roles, he serves as president of Imprimis Financial & Insurance Services, a pension design and consulting firm. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements with a combination of fundamental and technical investment analysis.