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.

Ryan Schmidt is a Series 65 licensed financial advisor at Corient with 20 years of industry experience. His career includes ten years at Schmidt Financial Group, Inc. and a decade at Palo Alto Wealth Advisors, LLC prior to joining Corient. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and employs risk management tools and alternative investments when appropriate.

Dev Rana is a financial advisor with Eagle Strategies (NY Life) based in Fremont, CA. He holds Series 63 and Series 65 licenses and has four years of industry experience. His prior work includes roles at Nylife Securities LLC and New York Life Insurance Company. Additionally, he is appointed as an insurance broker for non-registered products with outside carriers. Eagle Strategies serves a diverse range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types, emphasizing tailored recommendations and managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Dirk Gilliard is a financial advisor at Focus Partners Wealth, LLC with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bam Management, Buckingham Strategic Wealth, Dan Goldie Financial Services, PartnerVEST Advisory Services, and Emeritus Investment Management. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing investment management, financial planning, tax and compliance support, family office and business management, as well as employee benefit retirement plan services. The firm employs a long-term investment approach that combines active and passive strategies and customizes portfolios based on clients’ risk tolerance, liquidity, and tax circumstances.

Albert Hwang is a CFP® professional with two years of industry experience, currently serving as an advisor at Cerity Partners LLC. His prior work includes roles at Epitome Learning Center, Consilium Wealth Management, and BDO USA LLP. Cerity Partners advises a diverse clientele including individuals, families, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 2025. The firm provides customized wealth management services with an investment approach centered on client-specific profiles, combining quantitative screening, manager selection, and both third-party and direct security strategies, along with access to alternative and private market solutions for qualified clients.

Robert Riney is a financial advisor with VOYA Financial Advisors, Inc. based in Menlo Park, CA, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Principal Securities Inc., Principal Life Insurance Company, AWA Inc., and Fidelity Brokerage Services LLC. In addition to his advisory work, he operates as an independent insurance agent selling fixed insurance products. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement-plan advisory services, utilizing both affiliated and unaffiliated investment products and combining in-house and external strategists with technology-enabled tools to implement client recommendations.

Erin Mc Closkey is a CFP® professional with seven years of industry experience, currently serving as an advisor at Osaic Advisory Services, LLC. Her prior roles include positions at Cetera Financial Specialists LLC and Serenity Wealth Partner. Outside of advisory work, she owns McCloskey Tax Prep, where she prepares tax returns. Osaic Advisory Services, LLC is an SEC-registered enterprise advisor serving a broad client base that includes individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a variety of investment programs and consulting services, combining fundamental and technical analysis with access to alternative investments and annuity sub-account management.

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.

Benjamin Wong is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Mariner Wealth Advisors since 2021. His prior roles include positions at Commonwealth Financial Network and Msec, LLC. Outside of his advisory work, he is involved in the sales of music performances through Wenbong Music. Mariner Wealth Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm combines discretionary, customized portfolio management with in-house research and access to third-party managers, and provides integrated tax, accounting, and family office services uncommon among large advisory enterprises.

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.

Hongmei Cohen is a financial advisor with Transamerica Financial Advisors in Dublin, CA, holding a Series 66 designation and beginning her advisory career in 2026. Her background includes roles at Keller Williams and World System Builders, and she has experience in insurance and lending. Transamerica Financial Advisors serves a diverse client base, offering both advisory and broker-dealer services, including proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Denise Lo is a CFP® professional with 23 years of experience in the financial industry. She is currently with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., having joined HSBC in 2024 after 17 years at Citigroup Global Markets. In addition to her registered representative role, she serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a multi-profile, strategic and tactical asset allocation approach supported by global asset management affiliates and offers specialized programs including an Offshore Spectrum option for qualified non-resident clients.

Jacky Tam is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and has been with Transamerica since 2012. In addition to his advisory role, he is president of JJP Enterprise, Inc., a business unrelated to investments, and owns a second home. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and charitable organizations. The firm uses model portfolios and third-party managers for investment implementation and offers multiple program platforms such as Transamerica ONE and TFA365.

Roger Cortes is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 10 years of industry experience. He has held roles at Ciena Corporation and LegacyShield Solutions, and is involved with the Heartland Institute of Financial Education, which offers college coaching programs. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm provides both advisory and broker-dealer services, offering model portfolios and access to third-party money managers through discretionary and non-discretionary programs.

Noah Lazenby is a financial advisor at Focus Partners Wealth, LLC, holding a Series 65 designation with one year of industry experience. His prior roles include positions at PacificHQ LLC, J.P. Morgan, Xen, Inc, Silicon Valley Bank, Visa, and the University of California - Santa Cruz. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach with an enhanced open architecture, integrating active and passive strategies and customized portfolio management.

Timothy Salunga is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at TIAA-CREF since 2016. Prior to that, he was with SigFig Wealth Management LLC and TD Ameritrade. Outside of his advisory work, he co-owns a rental condo with his wife. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm distinguishes between time-limited planning services and ongoing portfolio management, operating under a fiduciary standard and utilizing both model and customized portfolios.

Yanxiao Li is a CFP® and Series 65 credentialed advisor with three years of industry experience. He has worked at Focus Partners Wealth, LLC since 2025 and previously was with Bordeaux Wealth Advisors and Deloitte Tax LLP. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach focused on tax and fee sensitivity, using a combination of active and passive strategies and customized portfolios.

Jason Pfannenstiel is a financial advisor at Focus Partners Wealth, LLC with 15 years of industry experience and a Series 66 designation. His prior roles include positions at Bordeaux Wealth Advisors, Mirador Capital Partners, Sanctuary Securities, and Morgan Stanley. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing a range of services including investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach utilizing a mix of active and passive strategies, third-party managers, private funds, and tactical overlays, customizing portfolios to clients’ risk tolerance and tax situations.

Zhiyuan Wang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has worked at Transamerica since 2014 and has held positions in health insurance, social security consulting, and engineering. Outside of his advisory role, Wang educates clients on optimizing Social Security income and leads system testing techniques as a principal engineer. 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 options for discretionary and non-discretionary management.