Evelyn Liu is a financial advisor with Transamerica Financial Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has worked at Transamerica since 2012 and is also involved with Matrix Insurance Agency and Athenian Realty, where she conducts real estate sales. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and corporations, offering fee-based advisory programs and commission-based insurance and brokerage products. The firm utilizes proprietary and third-party model portfolios with discretionary and non-discretionary management options.

Kalyani Chandra is a financial advisor at Schwab Wealth Advisory with a Series 65 credential and one year of industry experience. Prior to joining Schwab, she worked for the Internal Revenue Service in the Estate & Gift Tax division for sixteen years. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab & Co.’s asset-allocation models and internal research tools to deliver tailored recommendations, with trades executed only upon client authorization.

Jiyan Hu is a financial advisor with Citigroup Global Markets in Fremont, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Citigroup in 2017, Hu worked at HSBC Bank USA, N.A. for one year. Outside of advisory work, Hu has involvement as a landlord in a joint rental property ownership. Citigroup Global Markets serves a broad client base including workplace, high-net-worth, and ultra-high-net-worth segments, offering multi-asset and multi-manager investment programs through both discretionary and non-discretionary approaches. The firm combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant, supporting a wide array of advisory and execution services.

David Zook is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and 16 years of industry experience. He has been associated with Ameritas in various capacities since 2010 and operates an independent insurance agency through David White & Associates, selling fixed insurance products. 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, offering asset management, financial planning, and retirement plan advisory across multiple program platforms.

Trinh Tuyen Tran is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 registrations and bringing 11 years of industry experience. In addition to his advisory role, he is an independent optometrist working on a contract basis and teaches financial education through the Hartland Institute of Financial Education. Tran has been with Transamerica Financial Advisors since 2015 and has prior experience with World Financial Group. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and corporations. The firm offers both advisory and broker-dealer services with a range of proprietary and third-party investment programs, managing over $2 billion in assets under management as of late 2025.

Brett Agnew is a CFP® with 27 years of industry experience, currently serving at Hightower Advisors since 2026. He previously worked at Journey Strategic Wealth LLC and Northwestern Mutual Wealth Management Company among other firms. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, and pooled investment vehicles. The firm’s approach emphasizes manager selection and multi-manager solutions, incorporating both affiliated and third-party managers along with proprietary research and varied investment options.

Renvir Gellon is a financial advisor with Schwab Wealth Advisory holding a Series 66 credential and one year of industry experience. Prior to joining Schwab Wealth Advisory and Charles Schwab & Co., Inc., Gellon worked at Morgan Stanley and Fisher Investments. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach is based on Schwab’s proprietary asset-allocation models and research tools, offering tailored recommendations without exercising discretionary trading authority.

Bradley Tarter is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Ameritas in various capacities since 2006 and is also a senior partner at David White & Associates, where he is licensed as an independent insurance agent to sell fixed insurance products. 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 combines model portfolios, mutual funds, ETFs, and individual securities while leveraging multiple program platforms and third-party technology to offer a range of discretionary and non-discretionary investment solutions.

Kate Keller is a CFP® with nine years of industry experience, currently serving as a financial advisor at Mariner since 2024. She previously worked at Blakely Financial Services, Inc. and LPL Financial, LLC. Keller retains a nominal share ownership in Blakely Financial Services, which she is in the process of surrendering. Mariner serves a diverse client base including individuals, pension plans, trusts, and corporations, offering investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolio strategies supported by an internal team and third-party managers, with notable tax and accounting integration uncommon for firms of its size.

Ramakrishna Gadiraju is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses. He has one year of industry experience and previously worked at Antiva Biosciences and Nektar Therapeutics. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers advisory and broker-dealer services with a range of proprietary and third-party investment programs, managing several billion dollars in assets.

Jack Perry is a Series 66-licensed financial advisor with Guardian Life and Park Avenue Securities, where he has worked since 2023. He has three years of industry experience and is based in Livermore, CA. Outside of his advisory role, he is involved with Health Professionals Insurance Services, providing dental students and graduates discounted disability insurance through Guardian Life. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, serves individual, corporate, and institutional clients with brokerage services, financial planning, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory relationships and employs a range of proprietary and third-party model portfolios.

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 experience in the financial services industry. He has worked at Merrill and Bank of America, N.A. before joining Sanctuary Advisors, LLC in 2020. He serves on a homeowners association board, handling recording of voting results and board meetings. Sanctuary Advisors, LLC provides investment advisory and financial planning services to individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations through a network of more than 400 independent advisers. The firm offers a range of portfolio management and consulting solutions, employing multiple analytical approaches and maintaining a fiduciary standard when a written advisory agreement is in place.

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 28 years of industry experience. He has worked with Ameritas in various capacities since 2006 and also owns an incorporated business, All Planning Phases, providing insurance and financial services. Kay is licensed as an independent insurance agent specializing in fixed insurance products. Ameritas Advisory Services, LLC offers investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm combines model portfolios, mutual funds, ETFs, and individual securities across multiple platforms, with options such as held-away retirement management and interval fund strategies.

Peter Young is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 18 years of industry experience. He has been with Transamerica since 2018 and has prior experience at World Financial Group and Provident Credit Union. Outside of advisory work, he serves as 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. Transamerica Financial Advisors serves a diverse client base including individuals, pension and profit-sharing plans, trusts, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios, providing both discretionary and non-discretionary program options.

Matthew Dolan is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63, 65, and 66 licenses and 28 years of industry experience. He has worked at Ameritas Advisory Services since 2021 and has been affiliated with Ameritas Life Insurance Corp. and Ameritas Investment Corp. since 2006. In addition to his advisory role, he is a licensed insurance agent at David White & Associates, where he has also been active since 2003. 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 model portfolios, mutual funds, ETFs, and individual securities, supported by multiple program platforms and third-party technology, to tailor investment solutions for its clients.