Tsz Kwan Lau is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and 11 years of industry experience. Prior to joining Citigroup in 2025, he worked at Cetera and Cathay Bank for eight years, and at Bank of America and Merrill for two years. Outside of his advisory role, he is the sole member of KDK1 LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches and supports large institutional scale alongside specialized market roles.

Pedro Magno III is a Series 65-licensed advisor with Transamerica Financial Advisors. He has been with the firm since 2026 and has previous experience at Glidewell Dental and In-Roads Creative Programs. Outside of financial advising, he is involved with In-Roads Creative Programs and has work experience spanning both corporate and creative sectors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers a combination of advisory and brokerage services through proprietary and third-party model portfolios, catering to both discretionary and non-discretionary investment management needs.

Richard Hansen is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 credentials and seven years of industry experience. He has worked with multiple firms including WFG Direct and Legal Shield and currently serves as a part-time Discipleship Pastor at Antelope Valley Foursquare Church, where he oversees various church ministries. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment programs.

Danova Chow is a financial advisor at OSAIC Institutions, INC. with 35 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Wescom Financial Services and CUSO Financial Services. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering a variety of advisory and brokerage services through customized engagements and access to alternative investments. The firm is notable for its predominance of non-discretionary assets and its combined broker-dealer and adviser structure.

Emiliano Sauceda is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Planmember since 2013 and is also self-employed in investment and insurance services, including fixed insurance and annuities. Sauceda serves on the Board of Directors for the East Los Angeles College Alumni Association. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm’s investment approach centers on a top-down strategic asset allocation framework and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Jin Hymers is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and currently based in Brea, CA. He has been with Transamerica since 2026. His prior experience includes roles with World Financial Group Insurance Agency and Pinnacle Tax Services, alongside involvement in property-related businesses. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm provides both advisory and broker-dealer services through a mix of proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Laura Vasquez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by extensive in-house research, execution, and custody capabilities.

George Avila is a financial advisor with OSAIC Institutions, Inc. in Brea, CA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at Infinex Investments, Inc. since 2022 and previously spent 11 years at LPL Financial. Additionally, he has been affiliated with Financial Partners Credit Union since 2010. Outside of his advisory work, he is involved with AmeriEstate Legal Plan, providing consultation on living trusts on a referral basis. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering advisory and brokerage services through customized engagements. The firm employs a mix of fundamental and technical analysis and provides access to alternative investments, lending, and cash-management solutions primarily via a network of investment adviser representatives.

Kexin Hou is a financial advisor at Citigroup Global Markets with three years of industry experience. She holds a Series 66 designation and has prior work history at firms including Cetera, East West Bank, and HSBC Securities. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with extensive internal oversight and combines large institutional scale with unique market roles.

Mario Moreira is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked at Transamerica Financial Advisors since 2018 and has prior experience with WFG and 2000 Insurance Service. Outside of his advisory role, Moreira is involved in the operation of several businesses in the plywood and hardware supply industry, serving as president and owner. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm employs model portfolios and third-party managers within a large advisor network and offers multiple program platforms such as Transamerica ONE and the TFA365 Advisory Program.

Xinyu Zhang is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has previously worked at PC Surrogacy, John Edgar State Farm Insurance, and TCL North America. Zhang has been with Citigroup since 2019. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through various advisory programs, broker-dealer execution, and custody services. The firm combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

Matthew Sharabi is a financial advisor with Eagle Strategies (NY Life) holding a Series 66 designation and two years of industry experience. His prior work includes roles at NYLIFE Securities LLC, DH Financial & Insurance Services, and Allstate Insurance. He serves as treasurer and a board member of his local homeowners association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers multiple program types and emphasizes tailored recommendations, managing most assets on a non-discretionary basis within the integrated New York Life affiliate structure.

Junwei Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked with various Transamerica entities since 2014 and has been with Transamerica Financial Advisors since 2018. In addition to his advisory role, he is involved in the sale of insurance products for companies affiliated with his firm. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party managers, with services available on discretionary and non-discretionary bases.

Emilene Andrews is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds a Series 66 designation and has worked at Citi Private Bank since 2010, with prior experience at Citibank NA dating back to 2003. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and specialized market roles.

Jing Wu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Wu has been with Transamerica since 2012 and is also involved in various non-investment activities, including serving as an independent facilitator advocating for individuals with disabilities and participating on the board of a nonprofit supporting the disabled community. Additionally, Wu is engaged with the Franklin Foundation and provides in-home support services for family members with special needs. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers a variety of advisory and brokerage services featuring proprietary and third-party investment models, with program choices that can be discretionary or non-discretionary.

Jenning Chen is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 credentials and over 21 years of industry experience. Chen has worked with multiple firms including Ameritas Investment Corp, Capstone Financial Group, and Strategic Horizon Inc. Outside of advisory roles, Chen is involved in health and life insurance sales through several agencies he owns or represents. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers a range of services including fee-based asset management, retirement-plan advisory, and fiduciary advice, utilizing model portfolios, third-party sub-advisers, and custom strategies with regular client reviews.

Aaron Digiamarino is a financial advisor with Independent Financial Group, LLC. He holds a Series 66 designation and has been with the firm since 2026. His previous work experience includes multiple roles at Crossroads Equipment Lease & Finance. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services through a variety of platforms, utilizing both in-house and third-party manager models.

Danielle Thies is a CFP® and holds a Series 66 license, with 10 years of industry experience. She has been with D.A. Davidson & Co. since 2014, including her current tenure starting in 2017. Thies also worked at Lyft from 2013 to 2018. D.A. Davidson & Co. provides a broad range of investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, equity research, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth, operating under fiduciary standards and incorporating both qualitative and quantitative analysis.

Tracy Haraksin is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has been associated with both firms since 2015. Outside of her advisory role, Haraksin serves on multiple nonprofit boards, including Aging Next and the EPI-Inland Empire Chapter, and is involved with Philanthropy International and financial education facilitation. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker‑dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm provides brokerage services, financial planning, retirement consulting, and a range of advisory programs, including discretionary and non-discretionary models and a hybrid digital advisory solution.

Cesar Espinoza is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial planning and portfolio management services that focus on areas such as college education planning, family wealth management strategies, legacy planning, tax minimization, and retirement income. Cesar's approach involves helping clients uncover what matters to them and their families in order to create personalized strategies to pursue their financial goals. He is a CERTIFIED FINANCIAL PLANNER™ professional and holds several professional designations, including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Cesar has a Bachelor's degree from California Polytechnic State University and works with clients who range from business owners to families. Outside of his professional work, Cesar has interests in basketball, boxing, camping, chess, football, reading, running marathons, soccer, and spending time with his family. He communicates with clients in both English and Spanish.