Chih Hsuan Chien is a financial advisor with Citigroup Global Markets Inc., holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with Citigroup Global Markets since 2014. Citigroup Global Markets serves individual and institutional clients through various wealth management segments, providing multi-asset, multi-manager investment strategies across discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including in-house research, derivatives services, and bespoke solutions for high-net-worth clients.

Ivan Smirnou is a financial advisor with Cetera Planning Partners in Danville, CA, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. His prior work includes roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment process emphasizes diversified allocations using mutual funds and ETFs tailored to client objectives and risk tolerance, supported by ancillary services such as tax planning, bookkeeping, and estate-planning solutions.

Steven Cannatella is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Principal Securities Inc. and Principal Life Insurance Company since 2012. Outside of his advisory role, he is involved in fixed insurance and annuity products, including dental and individual health insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, offering financial planning, retirement consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

John Estes is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and one year of industry experience. Prior to joining Ameritas, he was involved in various roles including ownership of an airport transportation business and officiating as a basketball referee for over a decade. He also works with David White & Associates in a financial professional capacity. Ameritas Advisory Services provides investment advisory and planning services to a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of asset management and consulting services through multiple program platforms, utilizing a combination of model portfolios, mutual funds, ETFs, and individual securities.

Susan Schaeffer is a financial advisor with Sanctuary Advisors, LLC in Danville, CA, holding a Series 66 designation and 15 years of industry experience. She previously worked with Merrill Lynch Pierce, Fenner & Smith, Inc. and Bank of America, N.A. for a decade. Schaeffer is a committee member of the Financial Women of San Francisco, where she helps plan networking and professional development events. Sanctuary Advisors, LLC serves a broad range of clients, including individuals, corporations, pension plans, trusts, and charitable organizations, offering investment advisory and financial planning services through a network of over 400 independent advisors. The firm provides portfolio management via multiple account structures and employs various analytical approaches, operating as a fiduciary when advisory agreements are in place.

Dale Hornberger is a financial advisor at Private Advisor Group, LLC with 14 years of industry experience. His prior roles include positions at LPL Financial and Diablo Tax Professionals, Inc., where he has been involved for over 19 years. He also maintains ongoing affiliations with Mariner Independent Advisor Network and Douglas & Hornberger, LLP. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model utilizing various investment strategies and technology platforms while offering access to third-party managers and proprietary managed account solutions.

Courtney Rapa is a financial advisor at Sanctuary Advisors, LLC with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Wells Fargo Advisors. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm supports a flexible investment approach through a broad network of independent advisers and employs multiple analytical strategies along with a range of managed account solutions.

Brendan Halick is a financial advisor with Ameritas Advisory Services, LLC in San Ramon, CA, holding Series 63 and Series 66 licenses with nine years of industry experience. He has worked at firms including HSBC Bank USA NA and Lending Club. He also supports senior partners as an associate advisor at David White & Associates and assists with client reviews through Barto Lucas. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment options and program platforms, combining firm-developed and third-party models with various securities to tailor portfolios.

Jason Mims is a financial advisor with OSAIC Institutions, INC. holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been president of Mims Painting Inc., a painting contractor business, for over 20 years. OSAIC Institutions serves individuals, trusts, estates, charitable organizations, and corporate clients through a network of investment adviser representatives, providing customized advisory engagements, financial planning, ERISA plan services, and brokerage and insurance products. The firm delivers investment services on both discretionary and non-discretionary bases and utilizes a broad affiliate and referral network to create an integrated advisory, brokerage, and lending model.

Ashweene Hassan is a financial advisor with Sanctuary Advisors, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining Sanctuary Advisors in 2025, Ashweene worked at Ameriprise from 2023 to 2025 and held various roles in education at institutions including Rochester Institute of Technology and Lahore Grammar School. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations, through a network of over 400 independent adviser representatives. The firm offers a range of portfolio management solutions and retirement plan consulting, utilizing multiple analytical approaches and acting as a fiduciary when a written advisory agreement is in place.

Steven Durk is a financial advisor with Hightower Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. Prior to joining Hightower in 2020, he worked at Frontier Investment Management Co. and M.L. Stern & Co., LLC. Outside of his advisory role, he is involved in Durk Family Outdoor Ventures, LLC, which manages family hunting and outdoor activities. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes multi-manager solutions through affiliated and third-party managers and utilizes proprietary research and diverse investment vehicles including mutual funds, ETFs, and alternative investments.

Aaron Hunter is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 65 credential and based in San Ramon, CA. He has been in the financial services industry since 2014, including prior roles at Sterck Kulick Oneil and founding Hunter Tax Associates, Inc. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a range of investment strategies and platforms, incorporating model portfolios, mutual funds, ETFs, and individual securities, supported by both in-house and third-party resources.

David Lucas is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with Ameritas entities since 2006 and maintains multiple business activities, including insurance sales and group insurance brokerage through his roles at BartoLucas LLC and Barto/Lucas Insurance & Financial Services. Lucas is involved in providing support for a medical program offering resources such as genetic testing and nurse advocacy. Ameritas Advisory Services, LLC serves a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of investment advisory and planning services, utilizing model portfolios, mutual funds, ETFs, and individual securities across discretionary and non-discretionary platforms.

Kevin Rinow is a CFP® professional with 15 years of experience in financial advising. He currently works at Hightower Advisors and has previously been affiliated with Northwestern Mutual Wealth Management Company and Journey Strategic Wealth LLC. Hightower Advisors serves a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm employs a manager selection and multi-manager approach, utilizing both affiliated and third-party managers across a range of investment vehicles, and offers services including portfolio management, financial planning, and retirement plan consulting.

Jeffrey Courtemanche is a financial advisor at Sanctuary Advisors, LLC with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Sanctuary Advisors and Sanctuary Securities since 2020. Prior to that, he was with Bank of America for nine years and Merrill for 24 years. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base that includes individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm supports more than 400 independent investment adviser representatives who deliver a range of portfolio management and consulting services using various investment approaches and platforms.

John Seo is a CFP® with 26 years of industry experience, currently serving at Steward Partners Investment Advisory, LLC since 2025. He previously worked at Simplex Wealth Management for 10 years and Consilium Wealth Management, LLC for 15 years, among other roles. Steward Partners Investment Advisory, LLC is an SEC-registered, enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering a range of investment advisory, financial planning, and managed account services through both proprietary and third-party portfolio solutions.

Les Garaventa Jr. is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has a longstanding career in accounting and financial planning, including serving as president of Garaventa Accountancy Corporation since 1985 and maintaining roles with Ameritas entities since 2006. Outside of his advisory work, he has been a football coach at Northgate High School since 2002 and manages a cattle ranching operation. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm employs a variety of investment approaches, including model portfolios and third-party managers, and offers a broad range of financial planning and asset management services.

Scott Pence is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has been associated with Ameritas Investment Corp., Ameritas Life Insurance Corp., and David White & Associates since 2008. Pence is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm utilizes a variety of investment options and program platforms, combining model portfolios, mutual funds, ETFs, and individual securities, while maintaining operational practices to optimize costs and manage potential conflicts of interest through its unique corporate structure.

Roger Lam is a financial advisor with Hightower Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior experience includes roles at Wells Fargo Bank, UBS Financial Services, and founding Lam Trading. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, institutions, and various types of organizations. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a range of investment vehicles.

Theodore Lum is a financial advisor with Independent Financial Group, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 44 years of industry experience and has worked previously at Merrill, Securities America Advisors, and LPL Financial. Lum is also the sole owner of Lum Global Financial & Insurance Services, a marketing DBA for his insurance agent activities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm utilizes a combination of firm- and third-party models, strategic asset allocation, and multi-manager portfolios to develop client investment strategies across standard risk profiles.