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 at Navy Federal Investment Services, LLC with 15 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 66 licenses. Correa has worked continuously within Navy Federal and its affiliated entities since 2014. Outside of her advisory role, she owns Mother of Millions, a spiritual coaching business. 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 primarily delivers advice through managed advisory programs utilizing third-party portfolio managers on the Envestnet platform and supports a range of investment solutions including unified managed accounts and digital automated ETF portfolios.

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 63 and Series 65 licenses and having eight years of industry experience. She has worked at firms including Transamerica Financial Advisors, Axianta Financial Partners, and World Financial Group. Landry is also an insurance agent with AgencyFi. 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 manages approximately $985 million across about 85 advisers and uses model-based strategies combining proprietary models and third-party sub-advisers.

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 credentials and five years of industry experience. His prior work includes roles at LPL Financial, Cetera, OneAmerica Securities, and American United Life. Outside of financial advising, he is associated with several business entities unrelated to investment management. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by offering financial planning, asset management, and retirement-plan consulting. The firm employs a diversified, risk-class based investment approach integrating passive and active management, supported by an internal Investment Committee and a range of implementation tools and services.

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.

Daniel Wheeler is a financial advisor at Ameriprise with four years of industry experience. He holds Series 63, 65, and 66 designations and has previously worked at several firms, including J.P. Morgan Securities, Merrill, Fidelity Investments, Vanguard, 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, focusing on dependable income sources and tax-aware withdrawal strategies.

Kenneth Galanis is a financial advisor at LPL Financial with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including Triad Advisors and Royal Alliance. Outside of advising, he is involved with Pence Financial Group, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of investment adviser representatives.

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 with LPL Financial, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. He has worked at LPL Financial since 2019 and has an extensive background as an estate planning lawyer at Thompson Von Tungeln, P.C., a law firm he has been associated with since 1997. Von Tungeln’s legal practice focuses on estate planning and is unrelated to his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Martin Cornelis is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Fidelity Brokerage Services since 2021 and joined Fidelity Investments in 2025. Prior to that, he was employed at Bank of America and Merrill from 2015 to 2021. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies and fund-of-funds.

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 with LPL Financial who holds a Series 66 designation and has 28 years of industry experience. His prior roles include positions at Western International Securities, World Financial Group, Atlas Wealth Management, Financial West Group, U.S. Bancorp Advisors, Guardian Life, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides various investment strategies and platforms supported by research and technology, serving over 22,800 advisors and managing substantial discretionary assets.

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 in Lancaster, CA, holding a Series 66 license and seven years of industry experience. He has previously worked with IFG Advisory, Integrated Financial Group, and Householder Group Estate & Retirement Specialists. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and model portfolio programs, supported by research and technology tools.

Sheldon Reed Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 33 years of industry experience. His prior roles include positions at CUSO Financial Services, Wescom Financial Services, J.P. Morgan Securities, Merrill, and several other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 with LPL Financial, holding the CFP® and ChFC® designations and over 40 years of industry experience. He has previously worked at Ameriprise and FSC Securities Corporation and has operated his own financial services and tax preparation businesses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional services with a broad platform that supports both advisory and non-advisory financial activities.

Michael Gibbons is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at U.S. Bancorp Investments, JP Morgan Chase Bank, J.P. Morgan Securities, and Wm Financial Services. He is based in Palmdale, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors.

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.