Timothy Garner is a CFP® professional with 23 years of industry experience, currently affiliated with Primerica Advisors. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, METLIFE SECURITIES Inc, and currently Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he prepares tax returns for Intuit Turbo Tax customers. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs along with financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies, including discretionary and non-discretionary accounts.

Chi Wai Poon is a CFA® charterholder and holds Series 66 and Series 63 licenses with three years of industry experience. He has worked at HSBC Bank USA National Association and HSBC Securities USA Inc. since 2024, and previously at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023. Prior to that, he spent 17 years at Admis Hong Kong Limited. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations. The firm utilizes a range of model risk profiles and combines strategic and tactical asset allocation with fund due diligence, offering both client-directed and fully discretionary portfolio options.

Ronald Welch is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and 65 licenses and bringing 54 years of industry experience. He has been with PlanMember since 2015 and has operated as a self-employed advisor and enrolled agent since 1972, also providing income tax preparation services. PlanMember Securities Corporation offers retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and providing education, support, and participant-level investment options through its asset allocation portfolios. The firm manages risk-based mutual-fund portfolios using a defined strategic rebalancing process.

Yuh Jiun Chen is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and bringing 31 years of industry experience. He has held roles in mortgage lending and real estate transactions and operates as a loan officer and broker associate in related businesses. Chen has been active with Transamerica Financial Advisors since 2012. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party investment models with discretionary and non-discretionary options.

Clara Zaya is a financial advisor at Planmember Securities Corporation with 19 years of industry experience. She holds the Series 63 designation and has worked at Planmember since 2011. In addition to her advisory role, she serves as a board member for her local homeowners association. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation process with risk-based mutual fund portfolios and offers education, support, and personalized retirement planning services.

Nicholas Peterson is a financial advisor at Rockefeller Financial LLC with 12 years of industry experience. His career includes roles at Morgan Stanley, First Republic, and Securian Financial Services. He holds Series 63 and Series 65 licenses. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutions, retirement plans, foundations, and corporations. The firm provides discretionary and non-discretionary portfolio management, financial planning, and consulting, and operates as a registered broker-dealer offering securities transactions, variable insurance products, and investment banking services through a consolidated investment platform.

Maritza Nevarez is a CFP® with 29 years of industry experience, currently serving at Transamerica Financial Advisors since 2016. She has prior involvement with The Heartland Institute of Financial and the American Association of University Women, Fremont Branch. 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 both advisory and broker-dealer services through proprietary model portfolios and third-party money managers, providing discretionary and non-discretionary program options.

Jeffrey Grau is a financial advisor with PlanMember Securities Corporation in Campbell, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with PlanMember and Employee Benefits Services Group since 2011. Outside of his advisory role, he works as a referee for high school and club softball and water polo games. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, while offering education and support services to both sponsors and participants.

Bincheng Wang is a financial advisor at Transamerica Financial Advisors with Series 65 and Series 63 credentials and four years of industry experience. He has held roles in technology and data analysis firms in China, serving as CTO for Hangzhou Arc-Data Tech., Ltd. and Jiaxing Xintu Shuju Keji, Ltd., where he worked on cloud computing algorithms and image processing technologies. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party investment models.

Michael Zent Jr. is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes roles at Mariner Independent Advisor Network and LPL Financial. He is involved with Camino Advisory Services, Inc., a business entity used for non-investment purposes. Private Advisor Group serves a diverse client base including individuals, trusts, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting. The firm provides access to third-party asset managers and turnkey platforms, with advisory services delivered through a network of investment adviser representatives who tailor solutions to client objectives.

Joseph Branley is a financial advisor at Empower Advisory Group with 23 years of industry experience. He holds the Series 66, Series 65, and Series 63 designations. His prior work includes roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Andrew Lai is a financial advisor at Citigroup Global Markets with 18 years of industry experience and holds a Series 66 designation. He has been with Citigroup since 2016. Outside of his advisory role, Lai is a commissioned Notary Public serving clients primarily in the Bay Area, California. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including swap dealer and futures commission merchant activities.

Daniel Robinson is a financial advisor with Empower Advisory Group in San Jose, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Empower, he worked at Bank of America, Merrill, Wells Fargo, J.P. Morgan Chase, and Comcast Cable. He has also been involved with Bay City Events Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Wei Ping Sun is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 credentials. He has 18 years of industry experience and has been with Transamerica since 2012. Outside of his advisory role, he is involved with Clearwater Benefits, LLC and Gateway LLC, where he acts as a real estate broker. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services with various fee-based programs and access to third-party money managers.

Dionysis Heliotis is a financial advisor with Transamerica Financial Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has been associated with WealthWave since 2015. He was also involved with the Kyparissioton Society of America for 11 years. 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 a combination of advisory and broker-dealer services with a range of proprietary and third-party investment programs.

Quentin Wong is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 designations and 12 years of industry experience. His career has been primarily with HSBC in various roles since 2013. Outside of his advisory work, he is an owner of multiple real estate rental properties. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations. The firm employs a model-based investment process with both client-directed and fully discretionary program options, utilizing several affiliated and third-party providers for advisory and fund management services.

Xuan Cao is a financial advisor at HSBC Securities (USA) Inc. in Cupertino, CA, holding a Series 66 designation and bringing 15 years of industry experience. She has been with HSBC Securities and HSBC Bank USA since 2015. HSBC Securities (USA) Inc. provides managed account programs to a variety of clients including individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment programs and uses model risk profiles combined with global asset management and fund due diligence conducted by affiliated and third-party providers.

David Kuga is a financial advisor with PlanMember Securities Corporation in Campbell, CA, holding a Series 66 designation and over 25 years of industry experience. He has been with PlanMember Securities Corporation since 2011 and has worked with Employee Benefits Services Group since 2005, where he is involved in insurance product sales. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm offers participant-level investment options, education, and support services, with an investment approach based on strategic asset allocation and risk-based mutual fund portfolios.

Earl Seno is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 licenses and has eight years of industry experience. He has worked with several organizations including the National Association of Social Security Analysts, where he provides consultations on optimizing Social Security benefits, and Motorola Solutions Inc. as a presale engineer. Earl also serves as an agent for Covered California, assisting clients with health insurance marketplace options. Transamerica Financial Advisors, LLC offers investment advisory, brokerage, and retirement-plan services to a diverse client base that includes individuals, employer-sponsored plans, trusts, and charitable organizations. The firm employs a model portfolio approach supported by third-party managers and digital platforms, managing regulatory assets under management of approximately $1.7 billion.

Shiou Yean Chen is a financial advisor with Citigroup Global Markets in San Jose, CA, holding Series 63 and Series 65 credentials and having 20 years of industry experience. Chen has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, combining large institutional scale with specialized market roles.