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.

Lucy Matsumoto is a financial advisor with Encompass More Asset Management LLC, holding Series 65 and Series 63 credentials and nine years of industry experience. Her prior roles include positions at Transamerica Financial Advisors, Inc., World Financial Group, Inc., and Axianta Financial Partners. She is also the owner of Lucy Matsumoto & Associates Inc., a business that manages commissions from her advisory and life insurance activities. Encompass More Asset Management LLC provides discretionary portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm uses model-based strategies incorporating proprietary models and third-party sub-advisers, offering a range of investment options including equities, fixed income, mutual funds, ETFs, private placements, and digital-asset related exposures.

Jeffrey McCarty is a financial advisor with Simplicity Wealth and holds a Series 65 designation. He has 12 years of industry experience and has worked with firms including Prosperity & Legacy Wealth Management and Prestige Financial Advisors. Outside of his advisory roles, he assists veterans with filing compensation and pension claims and is involved in legal document preparation services through The Document People. Simplicity Wealth serves a diverse client base including individual and high-net-worth investors, retirement plans, and institutional clients. The firm uses a fund-of-funds investment approach with ETFs, mutual funds, and individual securities, offering model portfolios that are monitored and rebalanced regularly, alongside technology and operational services for other advisors.

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.

Steven Sansone is a financial advisor with Empower Advisory Group in Canyon Country, CA, holding Series 65 and Series 63 licenses and seven years of industry experience. He has worked at Empower Retirement since 2019 and previously at Pensionmark Financial Group, LLC and kPlans Investment Services from 2016 to 2019. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated service model is closely tied to Empower’s recordkeeping and administrative platforms, offering both single “point-in-time” financial plans and optional managed account solutions.

Elias Martinez is a financial advisor at Kestra Advisory with six years of industry experience. He holds Series 66 and Series 63 designations and has previously worked at Edward Jones, TekSystems, LPL Enterprise LLC, and Glendale Securities Inc. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and manages approximately $79.8 billion in assets.

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.

Connor Dominici is a CFP® and holds a Series 65 license with five years of industry experience. He has been with Creative Planning since 2021 and has prior experience in fitness and biomedical companies, as well as roles at California Lutheran University. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, alongside private market investments and various retirement plan 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.

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.