Ralph Williams Jr. is a CFP® professional with 50 years of industry experience, currently serving as the sole advisor at Sage Wealth Solutions, LLC. He previously worked for Centaurus Financial, Inc. for 17 years before founding his current firm in 2025. Outside of his advisory role, he is active as a director of music at Lancaster United Methodist Church and operates a college admission and financial aid consulting business. Sage Wealth Solutions is an independent investment adviser based in California, providing portfolio management and financial planning services to individuals, high net worth clients, trusts, estates, and business entities. The firm employs a multi-disciplinary investment process combining quantitative, fundamental, technical, cyclical, and economic analysis, and offers project-based financial planning with a particular focus on college planning.

Christina Hartman is a financial advisor with Capital Narrative Wealth Management in Lancaster, CA. She holds a Series 66 designation and has approximately one year of industry experience. Her prior work includes roles at Edward Jones, Crowe LLP, GoodRx, and KPMG LLP. In addition to advising, she is a licensed CPA who provides accounting services separate from her advisory practice. Capital Narrative Wealth Management is an independent firm offering fee-only financial planning and non-discretionary investment management to individuals and high-net-worth clients. The firm develops personalized investment policies and uses a combination of passive and active strategies focused on asset allocation, incorporating ESG approaches when requested.

Marcus Mann is a financial advisor at Prosperity Planning and Advisory, LLC in Lancaster, CA, holding Series 63 and Series 65 licenses with one year of industry experience. He has operated as a self-directed investor since 2009, focusing on short-term trading of stocks and futures. In addition to his advisory role, Mr. Mann is a licensed insurance agent in California, selling life insurance and fixed annuities. Prosperity Planning and Advisory, LLC serves individuals, families, high-net-worth clients, and small business owners with personalized financial planning and non-discretionary investment guidance. The firm emphasizes a goals-driven, long-term investment approach using core-and-satellite portfolios and offers educational seminars and estate-planning facilitation through third-party platforms.

Troy Flowers is a financial advisor at Cash Flow Technologies with Series 63 and Series 65 credentials and two years of industry experience. He has an extensive background at LegalZoom, where he has worked since 2007. Cash Flow Technologies is an independent firm specializing in discretionary portfolio management with a focus on covered option-selling strategies for institutional and pooled accounts. The firm also provides project-based advisory services, including financial planning, portfolio reviews, and retirement plan analysis, offering both ongoing management and one-time or hourly consulting engagements.

Mayank Madhavani is a CFP® and PFS™ credentialed advisor with three years of experience at Neya Capital. He also serves as a manager and partner at Burkey Cox Evans & Bradford Accountancy Corp., a CPA firm. Prior to his current roles, he worked at KPMG, LLP for four years. Neya Capital provides financial planning and portfolio management services to individual investors and select institutional clients, including retirement plan sponsors and small charitable organizations. The firm emphasizes passive, diversified portfolios using low-cost index funds and ETFs, and offers tax-aware strategies, pension consulting, and client education.

Jazzmine Thomas is a financial advisor at Acrylic Financial, Inc. with five years of industry experience and holds a Series 65 designation. She is also a part owner of Top Shelf Financial LLC and maintains a life insurance license. Prior to her current roles, she worked at High Desert Medical Group and People Helping People. Acrylic Financial, Inc. provides portfolio management and financial planning services to individuals, including high-net-worth clients, other advisers, corporations, and pooled investment vehicles. The firm employs a combination of asset-allocation frameworks, active momentum models, and both fundamental and technical analysis to tailor investment programs to client goals and risk tolerance.

Norine Correa is a financial advisor with Navy Federal Investment Services, LLC, holding the ChFC® designation and Series 63 and 66 licenses. She has 15 years of industry experience, primarily with various entities within the Navy Federal Financial Group since 2016. Outside of her advisory role, she owns Mother of Millions, a life purpose and spiritual coaching business. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers via the Envestnet platform and offers both discretionary and non-discretionary services, with additional programs for high-net-worth clients.

Laura Bradford is a financial advisor at Dynamic with 11 years of industry experience. She has been with Dynamic Wealth Advisors since 2018 and has held roles at Experient Portfolio Management and Burkey Cox Evans & Bradford, where she also serves as a CPA partner involved in accounting, tax preparation, auditing, and consulting. Dynamic serves a diverse client base including individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, businesses, and other registered investment advisers. The firm offers a range of portfolio management and consulting services, emphasizing a client-specific, long-term investment approach and provides technology, operational, and compliance support to other advisers.

Vicki Landry is a financial advisor with Encompass More Asset Management LLC in Lancaster, CA, holding Series 65 and Series 63 licenses and eight years of industry experience. Her prior roles include positions at Transamerica Financial Advisors, Axianta Financial Partners, and World Financial Group. She is also involved with AgencyFi, an insurance agency, in a role outside investment advisory services. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily to individual and high-net-worth clients. The firm employs model-based strategies combining proprietary and third-party sub-advisers across a range of investment options, including equities, fixed income, mutual funds, ETFs, private placements, and digital-asset exposures.

Robert Derryberry is a financial advisor at Inspire Advisors, LLC with 13 years of industry experience. He holds the Series 66 designation and has worked at Inspire Advisors since 2019, following eight years at Ameriprise Financial Services, Inc. He is also involved with Derryberry & Associates LLP, a business he has been associated with since 2006. Outside of his advisory work, Derryberry serves on the board of the Lancaster Performing Arts Center Foundation. Inspire Advisors, LLC is a multi-advisor registered investment adviser managing approximately $1.03 billion for around 3,800 clients, including individuals, institutions, and charitable organizations. The firm incorporates Biblically Responsible Investing using proprietary scoring and screening tools and employs a variety of investment strategies including index-based, strategic, and tactical allocations.

Maxwell Shapiro is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at LPL Financial, Householder Group Estate & Retirement Specialists, Allstate Insurance Co, and Sammons Financial Network. Outside of his advisory work, he serves on the board of the Antelope Valley Boys & Girls Club and coaches track and field for Coast 2 Coast International Athletics. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Colin Mc Graw is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at firms including LPL Financial, Cetera Advisors LLC, and OneAmerica Securities. Outside of his advisory role, he is involved with multiple business entities for tax and investment purposes. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active strategies overseen by an internal Investment Committee.

Susan Rodriguez is a financial advisor at Citigroup Global Markets with a Series 66 license and four years of industry experience. She has been with Citibank since 2016, working across multiple roles within the firm. Citigroup Global Markets serves individual and institutional clients through its Private Bank, Global Wealth at Work, and Personal Wealth Management divisions. The firm offers a range of investment advisory programs and execution services, employing multi-asset, multi-manager strategies with a combination of internal oversight and external partnerships.

Eriberto Nieto is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in retirement, income, and corporate 401(k) planning. He adopts a comprehensive approach to wealth management, focusing on understanding each client's family, financial situation, and priorities. Eriberto develops customized strategies that remain flexible to accommodate clients' evolving needs and market conditions. His services integrate access to Merrill's investment insights alongside the banking and lending solutions of Bank of America to address a wide range of financial needs. Eriberto’s areas of expertise include college education planning, corporate benefits, divorce transition planning, executive compensation, legacy planning, managing new wealth, portfolio management, and retirement income. He holds professional designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree in Finance from San Jose State University. In addition to his professional work, Eriberto follows Merrill’s tradition of community involvement and dedicates time volunteering with local organizations. Outside of work, he enjoys boating, golfing, skiing, and spending time with his family.

Daniel Wheeler is a financial advisor at Ameriprise with four years of industry experience. He holds the Series 66, Series 63, and Series 65 licenses. His prior experience includes roles at J.P. Morgan Securities, Merrill, Fidelity Investments, New American Funding, The Vanguard Group, and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Kenneth Galanis is a financial advisor with LPL Financial in Lancaster, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Triad Advisors, WMBC, FSC Securities Corporation, and Royal Alliance, among others. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research resources.

Matthew Vattioni is a financial advisor with Wells Fargo Advisors in Lancaster, California, holding Series 63 and Series 66 licenses and 16 years of industry experience. Prior to his current role, he worked within Wells Fargo entities, including Wells Fargo Clearing and Wells Fargo Bank. He is the owner of Vattioni Wealth Management, an S-Corp focused on financial practice operations. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutions, providing a broad suite of planning options and tailored recommendations supported by firm research and tools.

Kevin Von Tungeln is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has been associated with LPL Financial and its predecessor entities since 2019. Outside of his advisory role, he practices as an estate planning lawyer at Thompson Von Tungeln, P.C., a law firm he has been involved with since 1997. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers diverse advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Martin Cornelis is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services since 2021 and Bank of America and Merrill from 2015 to 2021. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios consisting of mutual funds, ETFs, and ETPs.

Jesse Mettrick is a financial advisor with Thrivent Investment Management, holding a Series 66 credential. He has experience at Thrivent since 2025 and previously worked in the aerospace sector at Lockheed Martin Aeronautics and General Atomics Aeronautical. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of advisors, offering comprehensive written recommendations on various financial planning topics without including implementation. The firm’s goal-based analyses can be combined with managed-account services under a consolidated billing option called “WealthPlan,” while maintaining separate planning and asset management functions.

Franklin Fernandez Jr. is a financial advisor at LPL Financial with 28 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Western International Securities, World Financial Group, Atlas Wealth Management, and Financial West Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from various sources.

Dario Orellana is a financial advisor at Merrill with 17 years at the firm and three years of industry experience. He holds a Series 66 designation and is based in Lancaster, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephanie Bueno is a financial advisor at Thrivent Investment Management with five years of industry experience. She holds a Series 66 designation and has worked in various roles within Thrivent Financial and related entities since 2013, with prior experience at James Loken. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering goal-based, holistic financial planning without discretionary trading authority.

Jennifer Schrier is a financial advisor with OSAIC based in Lancaster, CA. She holds Series 63 and Series 66 licenses and has five years of industry experience. Prior to joining OSAIC in 2025, she worked at Lincoln Financial Advisors and Northwestern Mutual in various roles. Outside of her advisory work, Schrier is an agent at Odyssey Wealth Design, where she offers fixed insurance products including annuities and life insurance. OSAIC serves a diverse clientele of retail and institutional investors through a large network of advisors and multiple platforms. The firm provides integrated brokerage and advisory services, using asset-allocation tools and third-party managers to construct portfolios that include a broad range of investment types.

Daniel Ledbetter is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked in various capacities within Wells Fargo entities since 2010. Outside of his advisory role, he teaches a business math course at Antelope Valley College. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet a net-worth threshold. The firm uses proprietary research and tools to develop recommendations and integrates advisory services with other financial products and referral channels.

Gary Pearson is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera Advisors LLC since 2020, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors managing more than $256 billion in assets.

Jocelyn Wee is a financial advisor with Merrill in Lancaster, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith, Inc. for 15 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kathryn Wilkerson is a financial advisor at Cetera with 28 years of industry experience. She holds the Series 63 and Series 65 designations. In addition to her advisory role, she is president and owner of Sierra Financial Services, a tax preparation and accounting business, where she provides tax returns, financial statements, payroll services, and notary services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm operates as a multi-manager platform offering a range of portfolio management and retirement services through a network of over 10,000 advisors.

George Andrews is a financial advisor with Thrivent Investment Management in Lancaster, CA, holding a Series 66 designation and 22 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Andrews serves as president of the Lancaster West Rotary Scholarship Foundation, which collaborates with the Antelope Valley College Foundation to award scholarships annually. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning covering various financial topics and allows clients to integrate planning with managed-account services under a consolidated billing option.

Rocio Montagner is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and 28 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a large national network of advisors and branch offices.

Hugo Sanchez is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, and Merrill Lynch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Christopher Lohs is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. His career includes multiple tenures at LPL Financial as well as roles at IFG Advisory, Integrated Financial Group, Householder Group Estate & Retirement Specialists, and J. Sterling Blakely and Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios, third-party research, and advanced technologies such as machine learning.

Sheldon Reed Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Prior to joining LPL Financial in 2025, he worked at CUSO Financial Services, Wescom Financial Services, Invest Financial Corporation, Logix Federal Credit Union, and JPMorgan Securities LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and technology-driven portfolio solutions.

Joseph Gertie is a CFP® with 40 years of industry experience, currently affiliated with Cetera since 2023. His prior roles include positions at Epic Estate Plans and Girard Securities Inc. He is involved in estate planning education and also operates a solar referral business. Cetera Investment Advisers LLC is a nationwide firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, accommodating various investment program structures and client needs.

Lisa Fourr is a CFP® professional with 30 years of industry experience. She is currently with Osaic Wealth, Inc., where she has worked since 2023, following a 14-year tenure at SagePoint Financial, Inc. Lisa also holds a notary public role and owns a sole proprietorship offering fixed insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Pandelis Chryssostomides is a financial advisor at LPL Financial with 40 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Ameriprise and FSC Securities Corporation prior to joining LPL Financial. His professional background includes operating a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement consulting with a range of discretionary and non-discretionary management options supported by internal and third-party research.

Michael Gibbons is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 20 years of industry experience. His prior work includes positions at U.S. Bancorp Investments, JP Morgan Chase Bank, J.P. Morgan Securities, and Wm Financial Services. He is currently affiliated with Logix Federal Credit Union as well. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment technologies.

Anallely Madrigal Morfin is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2019. Prior to that, she worked at JPMorgan Chase Bank, N.A. and Fast Auto Loans. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Steven Angebrandt is a financial advisor with Edward Jones in Lancaster, CA, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of households and organizations. The firm manages approximately $1.01 trillion in assets under management and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Gisselle Swanson is a financial advisor at Fidelity with eight years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing. Outside of her advisory role, she is the sole proprietor of Blomst&co., a floral and event design business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across various mutual funds, ETFs, and ETPs.

Daniel Rice is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. His work history includes roles at Cetera Wealth Services and Westlake Coach Company, as well as over two decades with CE Enterprises Inc. Rice is also involved in tax preparation through Antelope Tax Service and holds a position as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.