Melissa Yue is a Certified Financial Planner® with 19 years of industry experience. She is currently with Sanctuary Advisors, LLC, where she has worked since 2021. Her prior experience includes roles at Bank of America and Merrill. Sanctuary Advisors, LLC offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports its independent investment adviser representatives with a variety of portfolio management options and leverages a combination of analytical approaches, while maintaining fiduciary responsibility under written advisory agreements.

Heidi Lau is a financial advisor with HSBC Securities (USA) Inc. based in Fremont, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining HSBC, she worked at J.P. Morgan Securities, Citigroup Global Markets, and Charles Schwab. She also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her broker-dealer firm. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm’s investment approach combines strategic and tactical asset allocation developed with HSBC Global Asset Management and involves ongoing fund due diligence, with a mix of non-discretionary and discretionary portfolios.

Vipin Saraf Valappil Narayanan is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 designations and one year of industry experience. Prior to his current role, he worked at Wfgia and spent over two decades at Sybase, an SAP company. He is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm utilizes proprietary and third-party model portfolios with discretionary and non-discretionary options.

Sang Le is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He has held his current position since 2007. Outside of his advisory work, he owns a rental property in Castro Valley, California. 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 implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, and maintains roles as a swap dealer and futures commission merchant.

Chinghui Lin is a financial advisor with Transamerica Financial Advisors in Pleasanton, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. Lin has been with Transamerica Financial Advisors since 2012 and is also CEO and President of RichieMax Consulting Inc. outside of the firm. Transamerica Financial Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations through both advisory and broker-dealer services, offering proprietary and third-party model portfolios with discretionary and non-discretionary options.

Patti May is a financial advisor at J.W. Cole Advisors, Inc. with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Global Financial Private Capital, LLC. In addition to her advisory role, she operates as a self-employed insurance agent focused on the sale of fixed annuities and life insurance. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Brent Carlson is a financial advisor with Schwab Wealth Advisory Inc. in Dublin, CA, holding Series 63 and Series 66 registrations and having 10 years of industry experience. He has worked at Schwab Wealth Advisory since 2025 and Charles Schwab & Co., Inc. since 2018. Outside of financial services, he independently creates entertainment reviews of television shows and movies on YouTube. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on standard asset-allocation models and internal research, with trades executed only upon client authorization.

Dennis Culver is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 66 designation and 10 years of industry experience. He has been with Ameritas since 2021 and has prior experience at firms including Insight Wealth Strategies, Lincoln Financial Advisors, and Ameriprise Financial Services. In addition to his advisory role, he has worked as a reporter for Bay City News since 2014. 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 offers a range of asset management and financial planning solutions, utilizing model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Derek Pritchard is a financial advisor with SPC in Dublin, CA, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has worked at firms including Sigma Planning Corporation, Parkland Securities LLC, SagePoint Financial, Bancwest Investment Services, Wells Fargo Clearing, and Banc of America Investment Services. Outside of his advisory role, he operates a sole proprietorship under Pritchard Asset Management, focusing on fixed insurance sales. SPC provides investment management, financial planning, and retirement-plan advisory services to a diverse client base ranging from individual investors to corporate and charitable organizations. The firm’s advisory network serves over 30,000 clients through tailored, discretionary investment advice and offers services via multiple account programs including the SIGMA Managed Account.

Kevin Sweeney is a financial advisor at Cetera Planning Partners with 26 years of industry experience. He holds the PFS™ and Series 66 designations and has held various roles within the Cetera family of firms since 2024. In addition to his advisory work, Mr. Sweeney serves as chairman of the investment sub-committee for Moreau Catholic High School and is a partner at Sweeney Kovar LLP, an accounting firm providing tax planning, compliance, and attest services. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm employs a diversified investment approach tailored to client objectives and risk tolerance and provides ancillary services including tax planning, bookkeeping, payroll support, and estate planning through third-party partnerships.

Ankit Shah is a CFP® professional with 20 years of industry experience, currently serving at Mariner Wealth Advisors. His prior work includes roles at Commonwealth Financial Network and Benjamin Wong & Associates. He is also involved in fixed insurance sales conducted under his own name. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm utilizes discretionary, customized portfolios supported by in-house research and third-party managers, and offers integrated tax and accounting services uncommon among large advisory enterprises.

Joseph Mclean is a financial advisor at MAI Capital Management, LLC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including AllianceBernstein L.P., TRUE Capital Management, and Intersect Capital Insurance Services. He serves as Treasurer of the Gordon Family Giving Foundation and is involved in private equity through Intersect Ventures LLC. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm offers a customized approach to portfolio management across a range of strategies and serves as adviser to registered mutual funds and private investment vehicles.

Marissa Pattison is a CFP® professional with 11 years of industry experience. She is currently with Mariner Wealth Advisors and previously worked at Wells Fargo Clearing, First Republic Securities Company, LLC, and UBS Financial Services Inc. Mariner serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations, offering investment management, financial planning, retirement consulting, and access to third-party managers. The firm combines customized discretionary portfolios with integrated tax and accounting services, as well as family office and employer financial wellness solutions.

Eugene Huang is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Citigroup Global Markets, Turner Investments, and OSAIC. In addition to his advisory role, he operates as an independent insurance agent specializing in fixed insurance and Medicare products. Voya Financial Advisors, Inc. serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients through financial planning, portfolio management, and retirement advisory services. The firm combines in-house and external strategists with technology-driven tools to implement client investment strategies, offering both advisory and broker-dealer services.

Maxwell Michels is a Series 66-licensed advisor with Ameritas Advisory Services, LLC and has two years of industry experience. He is also associated with David White & Associates, where he holds a role involving insurance-related activities. 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 a range of asset management and financial planning solutions with access to multiple program platforms and third-party technology.

Alvin Barnett Jr. is a financial advisor with Eagle Strategies (NY Life) in San Ramon, CA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. He has worked with Eagle Strategies since 2020 and has been affiliated with New York Life-related entities since 2012. Outside of his advisory role, he serves as a member of the 100 Black Men of Silicon Valley, a nonprofit focused on mentoring at-risk youth, and is a board member of Silver Creek Valley Country Club. 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 emphasizes tailored advice and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Yuen Han Lee is a financial advisor with Eagle Strategies (NY Life) based in San Ramon, CA, holding Series 63 and Series 66 licenses. Lee has 10 years of industry experience, including roles at New York Life Insurance Company and NYLIFE Securities LLC. Outside of advisory work, Lee serves as Secretary for a family business distributing blood pressure monitors. Eagle Strategies serves a diverse client base, including individual investors and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations through various program types and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Krassimire Kirov is a Series 65-licensed financial advisor with three years of industry experience, currently with Mariner in Danville, CA. Her prior work includes roles at Safeway Inc., Welk Resorts Inc., and Champs Sports. Mariner serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations, offering investment management, financial planning, and retirement plan consulting. The firm employs customized discretionary portfolios supported by both in-house research and third-party managers, and it provides integrated tax and accounting services alongside traditional portfolio management.

Rocio Derodriguez is a financial advisor at Kestra Advisory with over 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Centaurus Financial, Inc., Equitable Advisors, and MSI Financial Services, Inc. Since 2017, she has been providing financial planning services to corporations and individuals through her role as a registered representative. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional, and individual investors. The firm provides fiduciary consulting, plan design, investment advice, and access to multiple management platforms, serving a broad range of clients including very large institutional investors.

Joseph Lum is a CFP® and holds a Series 65 license, with 12 years of experience in financial advising. He currently works at MAI Capital Management, LLC, having joined the firm in 2022 after spending eight years at Financial Horizons-Wealth Building Strategies LLC. MAI Capital Management, LLC provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse clientele including high- and ultra-high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm offers a broad range of portfolio management strategies and combines financial planning with tax and administrative services, managing over $72 billion in assets as of mid-2026.