Zachary Chiara is a CFP® professional with four years of experience in financial advising, currently the sole advisor at Factor Financial LLC. His prior roles include positions at U.S. Bancorp Investments, Bank of America, Merrill, and Thrivent Investment Management. In addition to his advisory work, he is involved with Factor Insurance Solutions as a licensed insurance agent. Factor Financial LLC is an independent registered investment adviser serving individual and high-net-worth clients with discretionary wealth management and project-based financial planning. The firm employs a blend of passive and active investment strategies based on asset allocation and Modern Portfolio Theory, offering tailored portfolio management and coordinating comprehensive financial planning services.

Jon Ferguson is a financial advisor with Cornerstone Securities LLC, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has previously worked at Planmember Securities Corporation and has operated his own business, Ferguson Financial Incorporated, since 2022. Outside of his advisory roles, he serves as an associate pastor at Calvary Chapel Willits. Cornerstone Securities LLC provides investment advisory services to individuals, trusts, estates, private corporations, and pension plans through a team of advisors. The firm emphasizes IAR-directed asset management, offering a combination of direct portfolio management, third-party advisory programs, and financial planning services.

Magdalena Tio is a financial advisor with Primerica Advisors and holds Series 65 and Series 63 licenses. She has two years of industry experience, including roles at PFS Investments Inc. and Primerica Financial Services. Prior to her financial career, she worked in healthcare and retail, as well as serving at Community Care Chaplains for seven years. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm uses model-delivery strategies from third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.