Ziyu Espinoza Wan is a financial advisor at Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation with one year of industry experience. Prior to joining Wealth Enhancement Advisory Services in 2026, Ziyu worked at Wealth Enhancement Group and held various roles in escrow services. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment process that combines passive and active management with quantitative, momentum, and fundamental analysis.

William Davis is a financial advisor at TIAA-CREF with 32 years of industry experience. He has been with TIAA-CREF since 2014 and holds the Series 63 and Series 65 designations. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm acts as adviser to a donor-advised fund and operates within a vertically integrated group using affiliated funds.

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.

Priti Mora is a financial advisor with First Citizens Investor Services, Inc. in Pasadena, CA, holding a Series 66 credential and 17 years of industry experience. Her prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. She has a minority interest in a hotel partnership operating a Holiday Inn Express in Monterey, California. First Citizens Investor Services serves a broad client base including individuals, pension plans, and charitable organizations, offering advisory and brokerage services with a focus on portfolio management, financial planning, and tax-aware investing through both discretionary and non-discretionary arrangements.

Frank Napolitano is a financial advisor with Eagle Strategies (NY Life) in Pasadena, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at Parkland Securities, NYLIFE Securities LLC, and New York Life Insurance Co. He is also the owner of FN Wealth Management Insurance Brokering, focusing on fixed life and fixed annuity products. Eagle Strategies serves a diverse clientele that includes individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

Viviana Ramirez is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 credentials and has worked at firms including JPMorgan Chase Bank, First Republic Bank, and Northwestern Mutual. Ramirez is based in Pasadena, CA. 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 specialized market roles such as swap dealing and futures commission merchant activities.

Michael Jaquez is a financial advisor at D.A. Davidson & Co. with credentials including the Series 66 designation. He began his advisory career in 2022 and has held positions at Edward Jones, New York Life, and Team Financial Partners. Outside of finance, he has worked in various roles including at Brookside Golf Course and in education at California State University of Los Angeles. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, offering ERISA retirement plan advisory, comprehensive financial planning, and wealth management programs. The firm operates under fiduciary standards and also serves as a municipal advisor, distinguishing it from many large enterprise advisers.

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.

Raquel Alegria is a Series 66-licensed financial advisor with GWN Securities Inc. in Pasadena, CA, bringing one year of industry experience. She has held roles at GWN Securities and contributed as a freelance writer for UltiWorld, covering Ultimate Frisbee. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs, employing a mix of affiliated and unaffiliated sub-advisers and model-based allocations grounded in asset allocation and Modern Portfolio Theory. The firm is notable for its use of market-timing and momentum-based strategies within several legacy programs.

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 with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has concurrent roles in several other businesses, including ownership of landscaping and commercial cleaning services. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to institutional clients, offering both advisory and broker-dealer services with a variety of proprietary and third-party investment programs.

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.

Kevin Yardumian is a financial advisor at GWN Securities Inc. with a Series 66 designation and no prior industry experience. His background includes roles at American Campus Communities and educational positions at the University of California, Irvine, Palos Verdes Peninsula High School, and Ridgecrest Intermediate School. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts and financial planning. The firm employs a large network of advisors and offers a range of managed-account programs, including legacy market-timing and momentum-based strategies.

Danielle Thies is a CFP® with 11 years of industry experience, currently serving as a financial advisor at D.A. Davidson & Co. since 2014. Her prior work experience includes a five-year period at Lyft. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services such as retirement plan advisory, wrap fee programs, equity research, and comprehensive financial planning, operating under fiduciary standards and incorporating both qualitative and quantitative analysis in its investment recommendations.

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.