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.

Michael Deggelman is a financial advisor with Hightower Advisors who holds Series 63 and Series 65 credentials and has 49 years of industry experience. He has worked with Hightower Securities, LLC and Hightower Advisors since 2010. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, institutions, pension and profit-sharing plans, charitable organizations, corporations, and trusts. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers with a range of investment vehicles and proprietary research.

Timothy Rich is a CFP® professional with 28 years of experience in the financial industry. He currently works with Osaic Advisory Services, LLC and has previously held roles at Arbor Point Advisors, Securities America Advisors, and Financial West Group. Outside of his advisory work, he is a bass player in a musical project called Last One Picked. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving a diverse client base including individuals, pension and profit-sharing plans, corporate and charitable entities, retirement plan participants, and sovereign wealth funds. The firm offers a range of investment programs and financial planning services, leveraging a combination of fundamental and technical analysis and platform integrations to manage and monitor client strategies.

Joseph Branley is a financial advisor with Empower Advisory Group in Union City, CA, holding Series 66, Series 65, and Series 63 licenses and bringing 23 years of industry experience. His career includes long tenures at Fidelity Investments and Fidelity Personal and Workplace Advisors before joining Empower Financial Services, Inc. and Empower Advisory Group. Between 2021 and 2023, he spent time as a stay-at-home dad. 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 select retail brokerage clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Ruinian Kang is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing three years of industry experience. Prior to joining Transamerica, Kang was involved with Shanghai Ruinian Investment and Management Co., Ltd. for ten years and has been active as a health insurance agent since 2015. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party investment models available on discretionary and non-discretionary platforms.

Quentin Wong is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked extensively within various HSBC entities since 2013. Outside of his advisory role, he is an owner of several rental properties. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment solutions. The firm uses multiple model risk profiles and combines strategic with tactical asset allocation, supported by affiliated and third-party providers for fund selection and portfolio monitoring.

William Evans is a financial advisor with Centaurus Financial, Inc. in Pleasanton, CA, holding the ChFC® and Series 63 designations and bringing 25 years of industry experience. Prior to joining Centaurus Financial in 2024, he worked for Farmers Insurance Group and Farmers Financial Solutions for over two decades. Outside of financial services, he also assists as a bartender at Porky’s Pizza Palace, a family-owned restaurant. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, and institutions. The firm’s advisors offer financial planning, portfolio management, and specialized consulting with both discretionary and non-discretionary arrangements, utilizing a mix of fundamental and technical analysis.

Suayip Teymur is a financial advisor with Bankers Life Advisory Services, Inc. holding a Series 66 designation. He has one year of industry experience, including prior roles at Kuveyt Turk Portfoy Yonetimi A.S and several positions within Bankers Life and its affiliated entities. Before entering the financial industry, he worked at Jewelic Jewelry and held academic roles at San Francisco State University and Istanbul University. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals with discretionary and non-discretionary portfolio management, as well as retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to create tailored investment strategies aligned with clients’ goals and risk tolerance.

Tu Bui is a financial advisor with Transamerica Financial Advisors in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has additional experience with Wfg dating back to 2002. Outside of financial advising, Tu Bui is involved in coaching volleyball and has roles as a substitute teacher and athletic director, including teaching personal finance at Pleasant Hill Adventist Academy. Transamerica Financial Advisors serves individual investors, retirement plans, trusts, and institutional clients, offering both advisory and broker-dealer services through proprietary and third-party model portfolios with discretionary and non-discretionary options.

Earl Seno is a financial advisor with Transamerica Financial Advisors in Alviso, CA, holding Series 65 and Series 63 licenses and having nine years of industry experience. His background includes roles with the National Association of Social Security Analysts, where he consults on optimizing Social Security benefits, as well as providing health insurance services through Covered CA. Additionally, he works as a presale engineer for Motorola Solutions, designing telecommunications systems for public safety organizations. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with a mix of proprietary and third-party model portfolios. The firm operates as both a registered broker-dealer and RIA, providing discretionary and non-discretionary program choices and supporting plan clients through affiliated retirement and recordkeeping entities.

Claudette Klein is a CFP® with 30 years of experience in the financial industry. She is currently with Ameritas Advisory Services, LLC and has held ownership roles in Klein Financial since 1991 and Claudette Klein Inc. since 2018. She is also licensed as an independent insurance agent and serves as a notary public. Ameritas Advisory Services, LLC provides investment advisory and planning services to individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of portfolio construction options through model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Molly Stelmar is a financial advisor at Cresset Asset Management, LLC with 10 years of industry experience. She holds a Series 66 designation and has previously worked at First Republic Investment Management, First Republic Securities Company, Bank of America, and Merrill. Cresset Asset Management, LLC manages approximately $71.9 billion in client assets and serves a diverse client base including individuals, families, trusts, retirement plans, and charitable organizations. The firm focuses on diversified, asset-allocation-driven portfolio construction using both active and passive strategies and employs a structured due-diligence program for manager review and private fund management.

Sarabpreet Kaur is a CFP® professional at Focus Partners Wealth, LLC in Palo Alto, CA, with one year of industry experience. Prior to joining Focus Partners Wealth, she held roles at Liberty Tax Service and BDO USA. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering 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, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds.

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.

Ilia Tsai is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 15 years of industry experience. He has worked with Transamerica Financial Advisors since 2012 and is also a CPA partner at Sopheleus Associates & Co, where he provides accounting services including corporate financial planning and tax strategy. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations, offering investment advisory and brokerage services through a large advisor network and multiple program platforms that utilize model portfolios and third-party managers.

Zhong Shi is a CFP® with 23 years of experience, currently serving as a financial advisor at Transamerica Financial Advisors. He has held roles with organizations including Kyros Ai Corp., Heartland Institute of Financial Education, and Covered CA. Outside of advising, he works as a college planning consultant and financial education instructor. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base through a large advisor network and multiple program platforms. The firm primarily uses model portfolios and third-party managers to implement its advisory services.

Quan Zhang is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with HSBC Securities and its affiliate HSBC Bank USA since 2018. Zhang also serves as a Bank Officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his role as a registered representative. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm uses a multi-profile investment approach supported by affiliated global asset management and fund due diligence providers.

Jinger Pajestka is a CFP® with 13 years of industry experience, currently affiliated with Mariner Wealth Advisors. Her work history includes roles at Wells Fargo Bank NA and Commonwealth Financial Network. She is also involved in fixed insurance sales as an additional business activity. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax services. The firm employs discretionary, customized portfolios supported by in-house research and third-party managers, along with integrated tax and accounting services and administrative CFO capabilities.

Vandana Devi is a Planning Consultant at Fidelity Investments, where she has been serving since 2025. She began her career at Fidelity Investments in 2023, progressing through roles including Financial Service Representative, Financial Representative, and Relationship Manager before assuming her current position. Prior to joining Fidelity, she worked as a Personal Banker at Fremont Bank from 2020 to 2022. Her professional experience encompasses client relationship management and financial planning, with a focus on empowering clients to make informed decisions and maintain confidence in their financial goals. Vandana holds a California Insurance License, supporting her expertise in insurance-related financial services. Outside of her professional work, Vandana engages in activities such as cooking and baking, outdoor adventures, parenthood, reading, traveling, and writing.

Ashkahn Moayedi is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research and analytics from Wells Fargo Investment Institute and third-party sources in its investment approach.