Laura Vasquez is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been with Citigroup Global Markets since 2007. 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, supported by extensive in-house research, execution, and custody capabilities.

George Avila is a financial advisor with Osaic Institutions, Inc. He holds Series 63 and Series 65 designations and has 27 years of industry experience. Prior to joining Osaic, he worked at Infinex Investments, Inc. and LPL Financial. Avila also provides consultations related to living trusts through AmeriEstate Legal Plan. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, and access to alternative investments through a hybrid adviser and broker-dealer model.

Kexin Hou is a financial advisor at Citigroup Global Markets with a Series 66 designation and four years of industry experience. Prior to joining Citigroup Global Markets, Hou held roles at Cetera, East West Bank, and HSBC Securities. 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 unique market roles, including swap dealer and futures commission merchant activities, and provides a broad range of advisory and execution services.

Mario Moreira is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked at Transamerica Financial Advisors since 2018 and has prior experience with WFG and 2000 Insurance Service. Outside of his advisory role, Moreira is involved in the operation of several businesses in the plywood and hardware supply industry, serving as president and owner. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm employs model portfolios and third-party managers within a large advisor network and offers multiple program platforms such as Transamerica ONE and the TFA365 Advisory Program.

Xinyu Zhang is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has previously worked at PC Surrogacy, John Edgar State Farm Insurance, and TCL North America. Zhang has been with Citigroup since 2019. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through various advisory programs, broker-dealer execution, and custody services. The firm combines large institutional scale with unique market roles, including in-house research and acting as a swap dealer and futures commission merchant.

James Edleman is a financial advisor with GWN Securities Inc. in Cerritos, CA, holding a Series 66 designation and over 20 years of industry experience. He has been with GWN Securities since 2014 and also works with American United Life. Edleman is the owner and president of JBE Financial, an insurance sales business, and is involved in the renovation and reopening of a historic hotel and restaurant in Pittsburgh, PA, as a minority investor. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm offers a range of managed-account programs and model portfolios, including both traditional and legacy market-timing strategies, and manages approximately $3.65 billion across more than 37,000 client accounts.

Matthew Sharabi is a financial advisor with Eagle Strategies (NY Life) holding a Series 66 designation and two years of industry experience. His prior work includes roles at NYLIFE Securities LLC, DH Financial & Insurance Services, and Allstate Insurance. He serves as treasurer and a board member of his local homeowners association. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients. The firm offers multiple program types and emphasizes tailored recommendations, managing most assets on a non-discretionary basis within the integrated New York Life affiliate structure.

Julie Xiang is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 17 years of industry experience. Her prior roles include positions at Cetera, Cathay Bank, LPL Financial, and UnionBanc Investment Services. Outside of her advisory work, she is a wellness advocate involved in aromatherapy. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, supported by in-house research and oversight committees.

Lauren Zuniga is a CFP® professional with four years of industry experience, currently serving as an advisor at Savant Wealth Management. Her prior experience includes roles at Kemp Financial Management, Independent Financial Group, and SagePoint Financial Advisors. Outside of finance, she was involved with Cha Cha's Latin Kitchen for nine years. Savant Wealth Management provides comprehensive wealth management, financial planning, and family office services to individuals, families, pension plans, charitable organizations, corporations, and high-net-worth clients. The firm employs a blend of evidence-based, model-driven asset allocation alongside actively managed strategies and offers a range of affiliated services including accounting, legal, and trust operations.

Junwei Liu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked with various Transamerica entities since 2014 and has been with Transamerica Financial Advisors since 2018. In addition to his advisory role, he is involved in the sale of insurance products for companies affiliated with his firm. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party managers, with services available on discretionary and non-discretionary bases.

Emilene Andrews is a financial advisor at Citigroup Global Markets with 15 years of industry experience. She holds a Series 66 designation and has worked at Citi Private Bank since 2010, with prior experience at Citibank NA dating back to 2003. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and specialized market roles.

Jin Mun Low is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, Joymode Inc., and Standard Chartered Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Jing Wu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Wu has been with Transamerica since 2012 and is also involved in various non-investment activities, including serving as an independent facilitator advocating for individuals with disabilities and participating on the board of a nonprofit supporting the disabled community. Additionally, Wu is engaged with the Franklin Foundation and provides in-home support services for family members with special needs. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers a variety of advisory and brokerage services featuring proprietary and third-party investment models, with program choices that can be discretionary or non-discretionary.

Mark Chen is a CFP® and ChFC® with 14 years of industry experience. He currently works at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., having joined these firms in 2022. His prior experience includes roles at The Leaders Group, Inc., Vanbridge (Wholesale), and Unionbanc Investment Services. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm utilizes a range of program types and risk profiles, combining strategic and tactical asset allocation with manager selection and ongoing monitoring, and serves clients through both discretionary and non-discretionary portfolio options.

Shuiwah Li is a financial advisor with HSBC Securities (USA) Inc. in Arcadia, CA, holding Series 66 and Series 63 licenses and 28 years of industry experience. Li has worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. since 2005. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm’s investment approach incorporates model risk profiles and combines strategic and tactical asset allocation developed with HSBC Global Asset Management, with oversight from affiliated and third-party providers.

Robert Kemp is a financial advisor at Savant Wealth Management with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc. and operated Kemp Financial Management, LLC for 28 years. Kemp also has a longstanding involvement in real estate through Robert J. Kemp Realty, where he remains licensed as a broker. Savant Wealth Management serves a diverse client base including individuals, families, pension and profit-sharing plans, charitable organizations, and corporations. The firm combines evidence-based, model-driven asset allocation with actively managed strategies and offers integrated services such as accounting, legal, and trust through affiliated entities.

Joel Sheldon is a financial advisor with Money Concepts Capital Corp in Placentia, CA, holding Series 63 and Series 66 designations and 17 years of industry experience. His prior roles include positions at Crown Capital Securities, LP and Lincoln Financial Advisors. Outside of his advisory duties, Sheldon engages in engineering consulting services and manages his financial services business through an S-Corp structure. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, pension plans, trusts, estates, and corporations. The firm employs model-driven, asset-allocation strategies and utilizes both proprietary and third-party portfolio management programs across a large network of advisors.

Jenning Chen is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 credentials and over 21 years of industry experience. Chen has worked with multiple firms including Ameritas Investment Corp, Capstone Financial Group, and Strategic Horizon Inc. Outside of advisory roles, Chen is involved in health and life insurance sales through several agencies he owns or represents. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers a range of services including fee-based asset management, retirement-plan advisory, and fiduciary advice, utilizing model portfolios, third-party sub-advisers, and custom strategies with regular client reviews.

Ivy Fai Chan Wang is a financial advisor at HSBC Securities (USA) Inc. with 12 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America/Merrill Lynch, and Citigroup. She also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her current firm. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both discretionary and client-directed options. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for advisory and operational services.

Elena Rotariu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. She has been associated with Transamerica Financial Advisors since 2012 and also holds roles with Destiny Builders 9, LLC, Word and Brown General Agency, and Ro & E Services, Inc. Outside of her advisory work, she provides accounting and payroll services through Ro & E Services, Inc. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers advisory and broker-dealer services utilizing proprietary and third-party model portfolios, with both discretionary and non-discretionary program options.