Denise Lo is a CFP® professional with 23 years of experience in the financial industry. She is currently with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., having joined HSBC in 2024 after 17 years at Citigroup Global Markets. In addition to her registered representative role, she serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a multi-profile, strategic and tactical asset allocation approach supported by global asset management affiliates and offers specialized programs including an Offshore Spectrum option for qualified non-resident clients.

Heidi Lau is a financial advisor with HSBC Securities (USA) Inc. based in Fremont, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining HSBC, she worked at J.P. Morgan Securities, Citigroup Global Markets, and Charles Schwab. She also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her broker-dealer firm. 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’s investment approach combines strategic and tactical asset allocation developed with HSBC Global Asset Management and involves ongoing fund due diligence, with a mix of non-discretionary and discretionary portfolios.

Denny Tsuei is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at several firms including Citigroup, TD Ameritrade, Scottrade, and Charles Schwab. Tsuei is also a dual-hatted Bank Officer at HSBC Bank (USA) N.A., where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary strategies. The firm employs a structured investment process with model risk profiles and leverages both affiliated and third-party providers for advisory, fund selection, and administrative services.

Canji Liang is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 licenses and has five years of industry experience. Prior to joining HSBC Securities in 2025, Liang worked at Charles Schwab for five years and held a position at HSBC Bank USA. Liang also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, in addition to their advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options, with investment strategies supported by HSBC Global Asset Management and affiliated providers.

Eric Lau is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at LPL Financial, BMO Bank NA, and The Prudential Insurance Company of America. Outside of his advisory work, Lau serves as a board member of the Chinese Realtor Association of America and the SF BARE Lions Club, and he is co-chair of the Business Leadership Council at Asian Health Services, engaging in community advocacy and event planning. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations, with investment approaches that combine strategic and tactical asset allocation across various risk profiles. The firm manages both discretionary and non-discretionary portfolios and distinguishes itself through a range of program options and operational registrations.

Luoteng Lin is a financial advisor at HSBC Securities (USA) Inc. with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab & Co., Inc. and Sterling Bank and Trust before joining HSBC. Lin has also been involved in education through the San Francisco Unified School District and has experience working at a restaurant and with a nonprofit organization. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary programs. The firm combines strategic and tactical asset allocation with ongoing fund due diligence and offers unique features such as an Offshore Spectrum program for qualified non-resident aliens.

Chi Wai Poon is a CFA® charterholder and holds Series 66 and Series 63 licenses. He is currently an advisor with HSBC Securities (USA) Inc. and has three years of industry experience. His prior roles include positions at HSBC Bank USA National Association, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Fo Trading & Training LLC. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment options, utilizing model risk profiles and a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management.

Quentin Wong is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked extensively within various HSBC entities since 2013. Outside of his advisory role, he is an owner of several rental properties. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment solutions. The firm uses multiple model risk profiles and combines strategic with tactical asset allocation, supported by affiliated and third-party providers for fund selection and portfolio monitoring.

Quan Zhang is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with HSBC Securities and its affiliate HSBC Bank USA since 2018. Zhang also serves as a Bank Officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his role as a registered representative. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm uses a multi-profile investment approach supported by affiliated global asset management and fund due diligence providers.