Howard Ouyang is a financial advisor at HSBC Securities (USA) Inc. with 16 years of industry experience. He has been with HSBC in various capacities since 2003, including HSBC Bank and HSBC Bank USA, N.A. He holds Series 63 and Series 66 designations. HSBC Securities (USA) Inc. offers managed account programs to a broad client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm provides various program types ranging from client-directed to fully discretionary accounts and employs a structured investment process combining strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

Courtney Mccutchan is a CFP® professional with eight years of industry experience, currently serving at Beacon Pointe Advisors, LLC since 2024. Her prior roles include positions at Bridge Advisory, LLC, Union Bank, and MML Investors Services. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse client base, including individuals, institutions, and charitable organizations. The firm utilizes a proprietary manager selection process and offers a range of services such as discretionary wealth management, retirement plan consulting, and outsourced CIO solutions.

Maricela Shenouda is a CFP® with six years of industry experience, currently serving as a financial advisor at Creative Planning. Her prior experience includes roles at Merrill and Bank of America. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by advanced portfolio management techniques and a range of retirement plan services.

Charles Munoz is a financial advisor with Centaurus Financial, Inc. in Costa Mesa, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Centaurus Financial since 2005. Munoz teaches retirement planning at Santiago Canyon College and serves as a board member of a local homeowners association. Centaurus Financial, Inc. provides advisory and brokerage services to a broad client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory management services through both discretionary and non-discretionary arrangements.

Nathaniel Spruiell is a financial advisor with Beacon Pointe Advisors, LLC, holding a Series 65 credential and one year of industry experience. His prior work includes roles at Kane Investment Management Inc. and academic positions at Santa Clara University and De Anza College. Beacon Pointe Advisors provides investment advisory and consulting services to a diverse range of individual and institutional clients. The firm employs a primarily third-party manager allocation approach, supported by a formal manager due-diligence process, and sponsors proprietary investment vehicles including private funds and a registered interval fund.

Hadi Hassan is a financial advisor with Eagle Strategies (New York Life) based in Anaheim, CA, holding Series 63 and Series 65 licenses. He has 32 years of industry experience, including over two decades with Eagle Strategies and more than 30 years with New York Life and Nylife Securities. Outside of his advisory role, he is involved in insurance brokering and holds a passive investment in cryptocurrency. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and emphasizes fiduciary responsibilities, with the majority of its assets managed on a non-discretionary basis.

Andrew Fuller is a CFP® professional with 20 years of industry experience, currently serving at Creative Planning since 2013. He holds a Series 66 license and is based in Irvine, CA. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process featuring low-cost indexing and buy-and-hold strategies, supplemented by options such as direct indexing and tax-loss harvesting.

Shihua Chen is a financial advisor at Citigroup Global Markets with a Series 66 designation and one year of industry experience. Prior to joining Citigroup, Chen held roles at Transamerica Financial Advisors, Wfgia, and HRCF Investment Consulting Co., where they worked for ten years. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with internal oversight and delivers bespoke solutions for large relationships alongside standard advisory services.

Trisha Miller is a financial advisor with Mercer Global Advisors Inc. in Newport Beach, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options alongside financial planning, retirement consulting, tax planning, and estate coordination.

Arthur Veyna is a financial advisor with Guardian Life and holds Series 65 and Series 63 licenses. He has 31 years of industry experience, including long tenures at Securian Financial Services and Minnesota Life. He serves as chairman of the Lambda Chi Alpha National Fraternity Southern California Alumni Association. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage services, financial planning, and retirement plan consulting to individuals, pension plans, charitable organizations, and corporate clients. The firm offers both discretionary and non-discretionary advisory programs and incorporates a mix of in-house and third-party investment strategies.

Jonathan Penaloza is a financial advisor at Centaurus Financial, Inc. in Anaheim, CA, with seven years of industry experience. He has worked at Centaurus Financial since 2018 and previously was employed at Footprints Behavioral Health and California State University, Long Beach. Outside of his advisory role, he is involved as a property and casualty insurance agent at CGM Risk Management. 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 management through multiple platforms and employs both discretionary and non-discretionary investment arrangements.

Wade Jones is a financial advisor with Principal Financial Services holding a Series 66 designation and eight years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2016 to 2024 before joining Principal Life Insurance Company and Principal Securities, Inc. in 2024. He is also involved in the sale of life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance through various carriers. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Rosalia Garcia is a financial advisor with Oppenheimer, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her career includes multiple tenures at Oppenheimer and roles at Boustead Securities, Bico Drilling Tools, and Ameriprise Financial Services. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation and a variety of investment vehicles to meet client objectives.

Donita Joseph is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC, bringing six years of industry experience. She is also a partner at Windes, Inc., a CPA firm where she has worked since 1989. Integrated Wealth Concepts serves individuals, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management and financial planning, constructing customized portfolios with a long-term approach and utilizing both internal and third-party asset management.

Brent Broaddus is a financial advisor with J. W. Cole Advisors, Inc. in Irvine, CA, holding a Series 66 designation and bringing 21 years of industry experience. His prior work includes roles at First Allied Securities, Inc. and Alpine Star Wealth Management. Outside of his advisory work, he is co-owner of Aloha Bliss, a business involved in Hawaiian merchandise sales, and serves as president and handicap chairman of the Sandbaggers Golf Club. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a network of over 400 independent representatives. The firm offers portfolio management, financial planning, and access to multiple managed account solutions, employing discretionary and non-discretionary investment strategies that include fundamental and technical analysis, model portfolios, and digital advice platforms.

Ronald Kring is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding a Series 65 designation and seven years of industry experience. He has held roles at Money Concepts Advisory Services, SCI Franchise Holdings, and FIT Strategic Advisors, among others. Outside of advisory work, he serves as Director and Secretary of SCI Franchise Holdings, a biohazard cleaning company. Money Concepts Advisory Services provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm manages approximately $4.07 billion in assets, utilizing model-driven, asset-allocation strategies supported by third-party managers and platforms like Envestnet.

Ju Hwan Oh is a financial advisor with Money Concepts Capital Corp in Anaheim, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Money Concepts Capital in 2025, he worked at Unity Wealth Partners and Ameritas Investment Company, LLC. In addition to his advisory role, he is a partner at John Oh CPA Professional Corp, where he provides accounting and tax planning services. Money Concepts Advisory Service offers investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation strategies across discretionary and non-discretionary programs, managing approximately $4.07 billion in client assets through a network of several hundred advisors.

Adam Jeharajah is a CFA® charterholder with four years of industry experience. He has worked at CIBC Private Wealth Management since 2014. CIBC Private Wealth Advisors serves a diverse client base including individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm combines an internal investment team with governance committees to deliver customized portfolio management and wealth advisory services, managing approximately $67.8 billion in assets across 175 advisors.

Michael Moises is a financial advisor with Eagle Strategies (NY Life) based in Irvine, CA. He holds Series 63 and Series 65 licenses and has 11 years of industry experience. His prior roles include positions at New York Life and its affiliated entities, and he is a partial owner of a nail salon business, managing back office inventory and marketing. Eagle Strategies serves a diverse client base including individuals, institutional investors, and plan sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice delivered through multiple program types, with the majority of assets managed on a non-discretionary basis.

Laura Lawther is a CFP® professional with 18 years of industry experience, currently serving at Empower Advisory Group. Her prior roles include positions at Raymond James Financial Services Advisors, Auro Wealth Management, and Pickett Financial Partners. Outside of her advisory work, she serves as Treasurer for The Pet Adoption Center of Orange County, a non-profit animal rescue organization. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to IRA and retail brokerage clients. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.