Richard Groscost

Suzanne Chen is the principal of SEEN Consulting LLC, an independent advisory firm based in Ontario, California. She holds Series 63 and Series 65 licenses and has 27 years of industry experience, including prior roles at Golden State Advisors, LLC and Amber Systems Technologies. SEEN Consulting LLC provides discretionary portfolio management and financial consulting to individual and high-net-worth clients, managing approximately $52 million across about 32 accounts. The firm combines technical and fundamental analysis with modern portfolio theory to construct diversified portfolios and conducts monthly account reviews while offering financial consulting at no additional charge.

Omar Shallan is a financial advisor with Santa Cruz Financial, holding Series 65 and Series 66 licenses. He operates from Rancho Cucamonga, CA, and has experience in providing investment advice and financial planning. Santa Cruz Financial serves individual clients by offering non-discretionary portfolio management and comprehensive financial planning on an hourly basis. The firm employs a long-term, passive investment approach focused on diversified allocations to large-cap equities, dividend-growth stocks, and high-quality bonds while avoiding speculative or highly leveraged instruments.

Saad El Hajjaoui is a financial advisor with Xel Wealth Management, Inc. in Ontario, CA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Falcon Wealth and JPMorgan Chase Bank N.A. Outside of advising, he is a partner at Olve Branch Medical Corp, a medical billing and practice consulting firm where he assists with financial matters and relationship management. Xel Wealth Management is an independent, single-advisor firm managing approximately $8.5 million for around 34 clients, including individuals, high-net-worth clients, and business entities. The firm offers discretionary portfolio management and financial planning services, employing a diversified investment approach that integrates fundamental, quantitative, technical analysis, and modern portfolio theory, along with a wrap fee program and tax planning services.

Timothy Cheng is the principal of Cheng Wealth Management, LLC in San Dimas, CA, with 11 years of industry experience. He holds the CFA® designation along with Series 63 and Series 65 licenses. Cheng has led his independent firm since 2014, applying his background in institutional research to his practice. Cheng Wealth Management, LLC provides discretionary investment management and financial planning services to individuals, high-net-worth clients, trusts, and pension and profit-sharing plans. The firm emphasizes strategic asset allocation and enhanced indexing with a focus on diversification, low-cost mutual funds, and the use of alternative assets, serving a small client base with quarterly portfolio monitoring and rebalancing.

Matthew Lam is the principal of Matthew H. Lam, CPA, where he has provided tax and accounting services since 2015. He holds a Series 65 designation and has six years of experience in the financial industry. His prior experience includes roles at several accounting firms and a brief tenure at Intuit Inc. The firm offers discretionary portfolio management alongside accounting services under the same business name. Matthew H. Lam, CPA serves individuals, corporate pension and profit-sharing plans, charitable trusts, foundations, and other trusts. The firm’s investment approach is based on fundamental analysis and a long-term, buy-and-hold strategy with periodic rebalancing and tax-loss harvesting available upon request.

Nan Cheng is a financial advisor at ValueTech Private Advisors with five years of industry experience. He holds a Series 65 designation and concurrently works in senior semiconductor material management at Microsoft Corporation. His prior experience includes eight years at Semtech Corporation. ValueTech Private Advisors offers portfolio management, customized financial planning, and business consulting to individual and small business clients, including a significant non-U.S. clientele. The firm employs a technology-focused investment approach that integrates value investing, active management, and Modern Portfolio Theory with tax-aware, globally diversified portfolios.