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.

Benjamin Johnson is a financial advisor at Carson Wealth with a Series 65 designation and one year of industry experience. His prior roles include positions at Fidelity Investments and Pesta and Pesta Wealth Management. Carson Wealth is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing model portfolios developed by an Investment Committee and providing tailored solutions such as custom indexing and access to alternative investments.

Connor Wood is a financial advisor at Citigroup Global Markets with one year of industry experience. He holds the Series 66 designation and has previously worked at Citibank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles such as operating as a swap dealer and futures commission merchant.

Joseph Park is a financial advisor at Cresset Asset Management, LLC with nine years of industry experience. He holds a Series 65 designation and has previously worked at First Republic Investment Management, Inc., Waypoint Wealth Partners, and First Republic Wealth Management. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets across a broad range of services including wealth management, financial planning, and advisory for private funds. The firm employs a disciplined, risk-aware approach combining strategic asset allocation, manager selection, and both active and passive investment strategies across various asset classes.

Darryl Celkupa is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Charles Schwab & Co., Foreside Funds Distributors LLC, Matthews International Capital, Tamarac Inc., and Russell Investments. Outside of finance, he does voiceover work in various media on weekends. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain referred clients. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to guide investment selection and reviews portfolios at least annually.

Julia Lin is a financial advisor at TLG Advisors, Inc. with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at New York Life Insurance Company and NYLife Securities, Inc. for 20 years before joining The Leaders Group, Inc. and later TLG Advisors. Lin is also an independent insurance agent. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory services, comprehensive financial and estate planning, and ERISA fiduciary services, with a distinct approach that combines fundamental analysis, Modern Portfolio Theory, and a direct-to-consumer platform called Starlight Portfolios.

Josh Jansen is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked primarily at Citigroup since 2016, with brief tenures at Wells Fargo and Union Bank. 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 and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Kapil Bhatnagar is a financial advisor at Centaurus Financial, Inc. in Cupertino, CA, holding Series 63 and Series 65 credentials with 32 years of industry experience. He has been with Centaurus Financial since 2002. Outside of his advisory role, he owns and operates Tax Team Advisors, Inc., providing tax preparation, accounting, and general business services. Centaurus Financial serves a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers both discretionary and non-discretionary portfolio management, employing a variety of analytical approaches and providing specialized services such as retirement-plan consulting and advisory management of annuity and variable life sub-accounts.

Binh Nguyen is a financial advisor with Eagle Strategies (New York Life) based in San Jose, CA. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Nguyen has been with Eagle Strategies and New York Life Insurance Company since 2012. Eagle Strategies serves a diverse client base including individual investors and institutional sponsors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory program types and emphasizes tailored recommendations, with the majority of its assets managed on a non-discretionary basis.

Jeffrey Du is a financial advisor at Transamerica Financial Advisors with one year of industry experience. He holds the Series 66 designation and previously worked as a self-employed advisor for five years. His background also includes four years in education prior to entering the financial services field. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with discretionary and non-discretionary program options.

Aaron Casey is a financial advisor with Transamerica Financial Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with WealthWave since 2015 and has been affiliated with Transamerica Financial Advisors and World Financial Group since 2012 and 2006, respectively. He is involved in the sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a wide range of clients, including individuals, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio and third-party manager approach, delivering services through multiple program platforms such as Transamerica ONE, TFA365, and Transamerica ALPHA.

Adam Hospodar is a financial advisor with Rockefeller Financial LLC based in Los Gatos, CA. He holds a Series 66 designation and has three years of industry experience, including prior roles at UBS Financial Services, Inc., Point Digital Finance, and Better Mortgage. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm offers a range of portfolio management and financial planning services, operating as both an adviser and registered broker-dealer with integrated investment, trust, and insurance capabilities.

Hui Yao Lu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has additional business involvement as chairman and CEO of Lu and Wang Corp, which manages her business expenses related to her advisory work. Lu maintains a real estate and mortgage license through Gold House Realty and Mortgage, though she conducts minimal activity in that area. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment models with discretionary and non-discretionary options.

Bruce Barton is a financial advisor at Savant Wealth Management in Los Gatos, CA, holding CFP®, CFA®, and Series 65 designations with 23 years of industry experience. He previously worked for Parkworth Wealth Management, Inc. (formerly Prialta Advisors, Inc.) for 22 years before joining Savant Wealth Management in 2025. Savant Wealth Management serves individuals, families, pension and profit-sharing plans, charitable organizations, corporations, and high-net-worth clients with comprehensive wealth management and related services. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and offers integrated accounting, legal, and trust services through affiliated entities.

Dai Pham is a financial advisor with Transamerica Financial Advisors in Alviso, CA, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has served as treasurer and consultant for the International Children Assistance Network, supporting treasury and finance functions, and acts as a foster parent for the San Francisco Human Services Agency. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment model portfolios.

Robert Nicolosi is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining TIAA-CREF in 2016, Nicolosi worked at Edelman Financial Engines, Morgan Stanley, and Fisher Investments. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers discretionary management using model portfolios or customized strategies and serves as adviser to the TIAA Donor Advised Fund.

Lan Li is a CFP® and Series 66-licensed financial advisor with 20 years of industry experience. She has worked with HSBC Securities (USA) Inc. since 2012 and HSBC Bank USA N.A. since 2013, and previously held roles at Merrill and Wells Fargo Investments. She also serves as a bank officer for HSBC Bank, engaging in the sale of bank-related products alongside her advisory responsibilities. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various discretionary and non-discretionary platforms. The firm employs a multi-model investment approach supported by HSBC Global Asset Management and affiliated providers, and serves clients through assigned Investment Adviser Representatives who handle suitability and ongoing account management.

Tony Chang is a financial advisor at Rockefeller Financial LLC with five years of industry experience. He holds a Series 66 designation and has previously worked at Rockefeller & Co and Financial Clarity Inc. His career includes roles within the Rockefeller Capital Management organization since 2019. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm offers portfolio management, financial planning, and consulting, operating as a registered broker-dealer that provides a range of investment and insurance products alongside placement and investment banking services.

Manya Bhutani is a financial advisor at Cerity Partners LLC based in San Jose, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Cerity Partners in 2024, Bhutani held roles at Bank of Hope and Internet Brands and completed a decade of full-time education. Cerity Partners advises a diverse client base including high-net-worth individuals, families, trusts, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that combines proprietary quantitative methods with third-party strategies and direct security selection.

Honglin Wu is a financial advisor with Citigroup Global Markets Inc. holding a Series 66 designation and three years of industry experience. Prior to joining Citigroup, Wu worked at Morgan Stanley, Moomoo Financial Inc., and Futu Inc. He is based in San Jose, CA. 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. The firm combines large institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant, and provides a broad range of advisory and execution services.