Alfonso Montoya Jr. is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 66 credentials and with 27 years of industry experience. His career includes multiple tenures at HSBC Securities (USA) Inc. and HSBC Bank USA N.A., where he also serves as a bank officer engaged in the sale of bank-related products and services. Prior to HSBC, he worked at Wells Fargo Clearing and Citicorp Investment Services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm employs a multi-profile investment process combining strategic and tactical asset allocation with fund due diligence, supporting both non-discretionary and discretionary managed portfolios.

Danny Tan is a financial advisor at HSBC Securities (USA) Inc. based in San Francisco, CA, holding Series 66, Series 65, and Series 63 licenses with seven years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank NA. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm combines strategic and tactical asset allocation developed with HSBC Global Asset Management and employs multiple affiliated and third-party providers for advisory, fund selection, and custody services.

John Sulit is a financial advisor with HSBC Securities (USA) Inc. who holds a Series 66 designation and has 25 years of industry experience. He has worked at HSBC Securities since 2016 and previously spent four years with Chase Investment Services Corp. In addition to his advisory role, Sulit also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, where he engages in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary investment options. The firm’s investment approach combines strategic and tactical asset allocation with ongoing fund due diligence, supporting both discretionary and non-discretionary portfolios.

Sung Yu Liu is a financial advisor with HSBC Securities (USA) Inc. and holds a Series 66 designation, bringing 19 years of industry experience. Liu has worked with HSBC Bank USA, N.A. since 2016 and HSBC Securities (USA) Inc. since 2013, with prior experience at Merrill and Waddell & Reed. Liu also serves as a Bank Officer for HSBC Bank (USA) N.A., in addition to her role as a registered representative. HSBC Securities (USA) Inc. offers a range of managed account programs for individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary options. The firm’s investment process includes multiple risk profiles and combines strategic and tactical asset allocation developed with HSBC Global Asset Management and other affiliated providers.

Emily Lin is a financial advisor with HSBC Securities (USA) Inc. in Arcadia, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at HSBC Securities since 2013 and concurrently serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate firm. Her prior experience includes roles at Merrill and Charles Schwab. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment options. The firm combines strategic and tactical asset allocation developed with HSBC Global Asset Management and oversees fund selection and monitoring through affiliated providers.

Patrick Wild is a CFA® charterholder and holds a Series 66 license with five years of industry experience. He is currently with HSBC Securities (USA) Inc., having joined in 2026, and previously worked at Franklin Advisers, Inc. and Putnam Investments. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary investment options supported by a structured asset allocation and fund due diligence process.

Rayman Bovell is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding a Series 66 designation and 21 years of industry experience. He has been with HSBC Securities since 2008, following a one-year tenure at Merrill. Outside of his advisory role, he is the owner of Down By The Sea Shore LLC, a business that holds the deed and mortgage for a residential property. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, with a range of client-directed and discretionary investment options. The firm uses multiple model risk profiles and a combination of strategic and tactical asset allocation supported by HSBC Global Asset Management and other affiliated providers.

Daniel Collins is a financial advisor at HSBC Securities (USA) Inc. with 33 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at JP Morgan Securities Inc. for 19 years. He has also held a position at 185 Beach 125 Th Street LLC. HSBC Securities (USA) Inc. offers managed account programs that serve individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach includes multiple program types ranging from client-directed to fully discretionary accounts, using model risk profiles and a combination of strategic and tactical asset allocation developed in partnership with HSBC Global Asset Management.

John Henien is a financial advisor at HSBC Securities (USA) Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at HSBC Bank USA N.A. since 2016 and HSBC Securities since 2011. Outside of his advisory role, he is involved in managing residential real estate rental activities through multiple entities and rents a swimming pool via a mobile platform. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm uses a range of model risk profiles and combines strategic and tactical asset allocation with fund due diligence, offering both client-directed and fully discretionary investment solutions.

Rajesh Changlani is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding a Series 66 designation and bringing 26 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2006. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of program types, combining client-directed and fully discretionary approaches, and utilizes a structured investment process involving multiple model risk profiles and due diligence from affiliated and third-party providers.

Ana Azario is a financial advisor with HSBC Securities (USA) Inc. in Miami, FL, holding Series 63 and Series 65 credentials and bringing six years of industry experience. Her prior roles include positions at Goldman Sachs, JPMorgan Chase, and Citi International Financial Services, among others. Before entering finance, she worked for the U.S. Consulate and operated a translation business. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through both client-directed and fully discretionary platforms. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Guoli Rothbaum is a financial advisor with HSBC Securities (USA) Inc. in San Francisco, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. Her prior work includes roles at Wells Fargo Clearing, Bank of America, Merrill, Thrivent Financial, Fidelity Brokerage Services, Goldman Sachs, and Tesla Inc./Solar City. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and fully discretionary investment options supported by a multi-tiered risk profile framework and collaboration with HSBC Global Asset Management.

Alex Suriano is a financial advisor at HSBC Securities (USA) Inc. with seven years of industry experience. He holds a Series 66 designation and previously worked at Deloitte from 2016 to 2019. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm’s investment process incorporates multiple risk profiles and combines strategic and tactical asset allocation, utilizing affiliated providers for fund selection and portfolio management.

Meredith Jensen is a financial advisor at HSBC Securities (USA) Inc. with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley Private Bank, the San Francisco Federal Reserve Bank, and Narvar. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through both client-directed and fully discretionary approaches. The firm uses a structured investment process with multiple risk profiles and works with affiliated and third-party providers for advisory, fund selection, and administrative services.

Chor Shing Chan is a financial advisor at HSBC Securities (USA) Inc. with 11 years of industry experience. He holds Series 65 and Series 63 designations. His prior work includes roles at JPMorgan Chase Bank, Merrill, and Bank of America. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm provides a range of client-directed and discretionary portfolio options, using a structured investment process that incorporates strategic and tactical asset allocation and ongoing fund monitoring.

Jeffrey Papa is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding a Series 66 designation and 25 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank (IN), where he spent over two decades. Outside of his advisory role, he is an owner and partner of Cardinal Property Group, a real estate business focused on purchasing consumer properties for rental. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of program types that combine client-directed and discretionary management, using a structured investment process guided by HSBC Global Asset Management and supported by affiliated and third-party providers.

Maribel Defauwes is a financial advisor with HSBC Securities (USA) Inc. in Aventura, FL, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with HSBC Securities and HSBC Bank USA, N.A. since 2015. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a structured investment process featuring five model risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Arturo Montemayor is a financial advisor at HSBC Securities (USA) Inc. based in Miami, FL, holding a Series 66 designation with 20 years of industry experience. His prior firms include Bank of America, Merrill, Wells Fargo Clearing, JPMorgan Chase, Morgan Stanley, and Deutsche Bank. HSBC Securities (USA) Inc. serves a diverse clientele through managed account programs, offering both client-directed and fully discretionary portfolio options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Kevin Mullaney is a financial advisor with HSBC Securities (USA) Inc. in New York, NY, holding Series 63, 65, and 66 licenses and offering 30 years of industry experience. He has been with HSBC Securities and HSBC Bank USA since 2005, following prior roles at Banc of America Investment Services and Quick & Reilly. Outside of his advisory work, Mullaney is a partner in a brewery business consisting of three LLCs that plan to operate and manage a new brewery starting in 2025. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and fully discretionary investment options. The firm combines strategic and tactical asset allocation with ongoing fund due diligence and operates both as an SEC-registered adviser and broker-dealer, offering specialized programs for private bank clients and qualified non-resident aliens.

Richard Shu is a financial advisor with HSBC Securities (USA) Inc. in Tysons, VA, holding a Series 66 designation and 24 years of industry experience. He has worked at HSBC Securities and its affiliate HSBC Bank (USA) N.A. since 2013, serving in dual roles as a registered representative and a bank officer selling bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several models, including client-directed and fully discretionary options. The firm uses a structured investment process based on multiple risk profiles and collaborates with affiliated and third-party providers for advisory and fund selection services.