Kim Low is a financial advisor at Transamerica Financial Advisors with nine years of industry experience. She holds Series 63 and Series 65 licenses and has been with Transamerica Financial Advisors since 2017. Her prior experience includes roles at World Financial Group, Inc., Rhema Solutions LLC, and Mountain House High School. Transamerica Financial Advisors serves a diverse client base, including individual and high-net-worth investors, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, providing discretionary and non-discretionary management options.

Jeremy Niederstadt is a CFP® and ChFC® with 28 years of industry experience. He has worked at Sanctuary Advisors, LLC since 2020, following previous roles at Bank of America and Merrill. Niederstadt serves on a homeowner's association board, where he records voting results and board meetings. Sanctuary Advisors provides investment advisory and financial planning services to individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm offers customized investment programs through various account types and uses a network of sub-advisors and third-party platforms to implement strategies.

Juli Rahill is a financial advisor at Kestra Advisory with 14 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley and JPMorgan Chase Bank NA. Outside of her advisory role, she is associated with an investment partnership that focuses on small and mid-size private businesses. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional investors, and individuals. The firm offers services such as fiduciary consulting, plan-level investment advice, and employee education, managing approximately $79.8 billion in assets and serving a range of clients from private investors to sovereign wealth funds.

Norma Quiroga is a financial advisor with Principal Financial Services in Livermore, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. She has worked with Principal Life Insurance and Principal Securities since 2016. Quiroga serves as a bank/trust officer at Principal Bank and Principal Trust Company, and she is a director on the board of Room to Grow Explorers, a nonprofit organization focused on public benefit. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Ross Layton is a financial advisor with Kestra Advisory, holding a Series 66 designation and 24 years of industry experience. He previously worked at J.P. Morgan Securities for 16 years before joining Kestra Advisory and Kestra Investment Services in 2024. Layton provides investment advisory, portfolio management, and financial planning services through Oculus Financial Group. Kestra Advisory Services offers investment advisory and retirement plan consulting to plan sponsors and a wide range of institutional and individual clients. The firm’s services include fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as sovereign wealth funds alongside other large institutional investors.

John Cheung Jr. is a CFP® professional with 18 years of industry experience, currently serving as a senior financial planner at Kestra Advisory. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory duties, he is involved with JD Strategic Financial Services, LLC, where he acts as an insurance agent selling life insurance products. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering a range of services including fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes large institutional investors.

Matthew Kay is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked with Ameritas-related entities since 2006 and has been involved with David White and Associates since 1997, where he is also an independent insurance agent licensed to sell fixed insurance products. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans, offering fee-based asset management, retirement-plan advisory, and fiduciary advice through both discretionary and non-discretionary strategies.

Peter Young is a financial advisor with Transamerica Financial Advisors in Pleasanton, CA, holding Series 63 and Series 65 designations and 18 years of industry experience. His career includes roles at Provident Credit Union and World Financial Group, and he is a board member of the Chinese Historical and Cultural Project, which promotes and preserves Chinese and Chinese American history and culture in Santa Clara County. He also has participated as a background film extra with Anchor Media Studios and on a Lenovo film shoot. Transamerica Financial Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations, offering both advisory and broker-dealer services. The firm delivers advice through proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Matthew Dolan is a financial advisor at Ameritas Advisory Services, LLC with 28 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His work history includes roles at Ameritas Life Insurance Corp., Ameritas Investment Corp., and David White & Associates. He is also licensed as an independent insurance agent to sell fixed insurance products. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers various discretionary and non-discretionary programs, including model portfolios and third-party subadvisers, and integrates its services with Ameritas affiliates to serve a diverse client base.

Pei Ooi is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and is also involved with Dream Builder Financial Services and World Financial Group, among other enterprises. Ooi is a co-owner of Penney Enterprise, Inc., a pass-through company affiliated with some of his business activities. Transamerica Financial Advisors, LLC serves a broad client base including individual investors, retirement plans, trusts, estates, charitable organizations, and businesses. The firm delivers services through a large advisor network and multiple program platforms, employing model portfolios and third-party managers to implement its advisory approach.

Mike Barry is a financial advisor at Sanctuary Advisors, LLC with 37 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at Merrill and Bank of America. Outside of his advisory role, he serves as a trustee for Carondelet High School and is a committee member for the Diablo Country Club Charitable Foundation. Sanctuary Advisors, LLC provides investment advisory and financial planning services to individuals, corporations, pension plans, trusts, estates, and charitable organizations. The firm operates a large network of independent advisors and offers a range of discretionary and non-discretionary investment solutions, supported by a vertically integrated platform and affiliations with international entities.

Barbara Chie Leon is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has worked at Transamerica since 2012 and has additional experience as an account manager and scientist in protein research at Novartis. Outside of her advisory role, she has volunteered with the Leukemia and Lymphoma Society’s Team in Training program for over a decade. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model, supported by a large network of advisors and multiple program platforms.

Michael Chang Ching Chiu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and four years of industry experience. He has worked at Transamerica Financial Advisors since 2021 and has been involved with World Financial Group since 2016. Outside of advisory work, he manages supply chain and purchasing operations as Director of Purchasing at HYVE SOLUTIONS. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm’s advisory model relies on model portfolios and third-party managers, delivering services through multiple platforms including Transamerica ONE and the TFA365 Advisory Program.

Jennifer Tan is a financial advisor with SPC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Her career includes roles at Parkland Securities, Carillon Investments, Union Central Life, Dfs, and San Francisco Associates. Outside of advisory work, she is involved in insurance product sales, mortgage consulting, real estate sales, and provides translation services for an attorney. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement services, with a structure that supports both fiduciary and non-fiduciary offerings through affiliated entities.

Ronald Landess II is a financial advisor with Transamerica Financial Advisors in Pleasanton, CA. He holds Series 65 and Series 63 credentials and began his advisory career in 2025. Prior to this, he spent over 24 years working in the diving and outdoor equipment industry with companies such as Aqualung and American Underwater Products. Transamerica Financial Advisors serves a broad client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Holly La is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. She has worked at Transamerica Financial Advisors since 2012 and previously held roles at Matrix Insurance and World Financial Group. In addition to advisory services, she is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and businesses through a large network of advisors and multiple program platforms. The firm’s advisory approach primarily uses model portfolios and third-party managers to implement client strategies.

Alandra Simmons is a financial advisor at Mariner with a Series 65 designation and two years of industry experience. Her prior work includes roles at R Bar and Halbert Hargrove. Mariner serves a broad range of clients including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm uses discretionary, customized portfolios supported by in-house research and third-party managers, with a notable integration of tax and accounting capabilities.

Daniel Goodman is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC. His prior roles include positions at Sierra Pacific Financial Advisors, LLC, Northwestern Mutual Wealth Management Company, and David J Eisenhauer. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Kelly Trevethan is a financial advisor at Mariner with 40 years of industry experience and holds a Series 63 designation. Prior to joining Mariner in 2020, Trevethan worked at firms including United Capital Financial Advisers, CETERA Advisor Networks, and Girard Securities. Outside of advising, Trevethan is a passive investor in a Napa Valley winery and serves on the board of the Olympic Club Foundation, a nonprofit supporting at-risk youth in the San Francisco Bay area. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations through investment management, financial planning, and retirement consulting. The firm offers discretionary, customized portfolios supported by an internal investment committee, and provides integrated tax, accounting, and family office services alongside traditional portfolio management.

Edward Caron is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. He has been with Transamerica since 2015 and has also held roles at BestEdu Inc and Legacy Shields Solutions, Inc. Outside of his advisory work, Caron is involved with the Knights of Columbus, participating in community and church activities. Transamerica Financial Advisors, LLC serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm primarily delivers investment advice through model portfolios and third-party managers, supported by a large advisor network and multiple program platforms.