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.

Sirorat Lertsangpetch is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at Transamerica Financial Advisors since 2017 and has prior experience with Swipetec, Summer Buffalo, World Financial Group, and Vegan Glory. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm uses a model portfolio approach with third-party managers and platform providers to implement investment advisory services through multiple program platforms.

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.

Kawin Thoncompeeravas is a financial advisor at Transamerica Financial Advisors with 13 years of industry experience. He holds the Series 63 and Series 65 licenses. In addition to his advisory role, he owns and manages landscaping and cleaning businesses. Transamerica Financial Advisors serves a diverse client base 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.

Aaron Digiamarino is a financial advisor with Independent Financial Group, LLC. He holds a Series 66 designation and has been with the firm since 2026. His previous work experience includes multiple roles at Crossroads Equipment Lease & Finance. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers investment advisory programs, financial planning, and retirement plan services through a variety of platforms, utilizing both in-house and third-party manager models.

Danielle Thies is a CFP® and holds a Series 66 license, with 10 years of industry experience. She has been with D.A. Davidson & Co. since 2014, including her current tenure starting in 2017. Thies also worked at Lyft from 2013 to 2018. D.A. Davidson & Co. provides a broad range of investment advisory and brokerage services to individual investors, employer-sponsored retirement plans, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, equity research, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth, operating under fiduciary standards and incorporating both qualitative and quantitative analysis.

Tracy Haraksin is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has been associated with both firms since 2015. Outside of her advisory role, Haraksin serves on multiple nonprofit boards, including Aging Next and the EPI-Inland Empire Chapter, and is involved with Philanthropy International and financial education facilitation. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker‑dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm provides brokerage services, financial planning, retirement consulting, and a range of advisory programs, including discretionary and non-discretionary models and a hybrid digital advisory solution.

Cesar Espinoza is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial planning and portfolio management services that focus on areas such as college education planning, family wealth management strategies, legacy planning, tax minimization, and retirement income. Cesar's approach involves helping clients uncover what matters to them and their families in order to create personalized strategies to pursue their financial goals. He is a CERTIFIED FINANCIAL PLANNER™ professional and holds several professional designations, including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Cesar has a Bachelor's degree from California Polytechnic State University and works with clients who range from business owners to families. Outside of his professional work, Cesar has interests in basketball, boxing, camping, chess, football, reading, running marathons, soccer, and spending time with his family. He communicates with clients in both English and Spanish.

Sean Doyel is a financial advisor at D.A. Davidson & Co. based in Claremont, CA. He holds a Series 66 designation and has one year of industry experience. Prior to joining D.A. Davidson, he worked for 13 years at In-N-Out Burger. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers services such as ERISA retirement plan advisory, wrap fee programs, equity research, and a private wealth program for clients with over $20 million in net worth.

Anthony Shiao is a financial advisor with TIAA-CREF in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with TIAA and TIAA-CREF since 2007. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm distinguishes between point-in-time planning services and ongoing discretionary management, operates as a fiduciary for its RIA services, and acts as adviser to a donor-advised fund.

Yanhua Xu is a financial advisor at Citigroup Global Markets with nine years of industry experience. Xu holds a Series 66 designation and has worked at CitiGroup since 2022, with prior experience at Cetera and CTBC Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with unique market roles, including in-house research, swap dealer and futures commission merchant operations.

Tyler Shumaker is a financial advisor at Centaurus Financial, Inc. with 13 years of industry experience. He holds the Series 66 designation and has worked at Centaurus Financial and Wells Fargo Clearing, among other firms. Outside of advisory services, Shumaker co-hosts a technology and communications podcast and is involved in real estate sales as well as estate planning coordination. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, and institutions. The firm offers financial planning and portfolio management through the CLASSIC Plus platform, utilizing a range of analytical approaches, and provides both discretionary and non-discretionary advisory services.

Dongyue Lyu is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Citigroup in 2022, he worked at Wells Fargo Bank, Wells Fargo Clearing, HSBC Securities (USA) Inc., HSBC Bank USA, and Cathay Bank, as well as Quick Cash Funding LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs, supported by in-house research and unique market roles.

Chao Zhao is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses. Zhao has been in the industry since 2024, having previously worked at Wfgia and currently affiliated with Transamerica since 2025. Outside of advisory work, Zhao is involved in 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 diverse client base, including individual investors, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model and offers a range of programs and platforms such as Transamerica ONE and the TFA365 Advisory Program.

Jennifer Overhoff is a financial advisor at TIAA-CREF with 17 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at firms including LPL Financial, Bancwest Investment Services, and California Financial Partners. Her background also includes a period devoted to caregiving for an ailing parent. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients frequently linked to TIAA-administered employer retirement plans and acts as adviser to the TIAA Donor Advised Fund.

Kevin Choi is a financial advisor with Independent Financial Group, LLC and holds a Series 66 designation. He has 11 years of industry experience and has worked at JTW Financial Services Inc and Independent Financial Group since 2015. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in regulatory assets and offers advisory programs through its AccessPoint platform and third-party asset managers, providing a range of discretionary and non-discretionary portfolio management options.

Ming Wai Kwok is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary models. The firm combines large institutional scale with specialized market roles, providing a broad set of advisory and execution services.