Ryan Ballesteros is a financial advisor with Eagle Strategies (NY Life) in Cupertino, CA, holding Series 63 and Series 65 licenses and six years of industry experience. His career includes roles at NYLIFE Securities LLC and New York Life Insurance Co. since 2016, as well as Hooz Wealth Strategies and Insurance Solutions, LLC. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers tailored solutions across multiple program types, emphasizing non-discretionary asset management and fiduciary responsibilities to retirement investors.

Sandy Yu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has additional experience with Wfgia dating back to 2002. Outside of her advisory role, she provides in-home supportive services to elderly family members under a state program. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to deliver investment advisory and brokerage services through a large network of advisors and multiple program platforms.

Sean Bevan is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo in multiple capacities and Comerica Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary approaches and combines large institutional scale with specialized market roles, including activities as a swap dealer and futures commission merchant.

Eric Berquist is a financial advisor at Focus Partners Wealth, LLC with seven years of industry experience. He holds a Series 65 designation and previously worked at G.W. & Wade LLC and Isabel Chiu & Co., LLP. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients with wealth management and advisory services, offering investment management, financial planning, and access to private and registered pooled vehicles. The firm’s investment approach blends active and passive strategies within an enhanced open architecture framework and incorporates quantitative analysis, stress-tested market assumptions, and specialized tools like trend-following and options overlay strategies.

Nathaniel Tjoa is a financial advisor with Transamerica Financial Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at M Financial and Foresters Financial Services. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers across multiple program platforms to deliver its services.

Gregory Greenwood is a financial advisor at Transamerica Financial Advisors with five years of industry experience. He holds a Series 66 designation and has worked with firms including Pacific Gas & Electric, MetLife, and World Financial Group. In addition to his advisory role, he manages relationships between PG&E and local municipalities to support capital improvement projects and regulatory coordination. Transamerica Financial Advisors serves a broad client base with investment advisory, brokerage, and retirement-plan services, utilizing model portfolios and third-party managers through multiple program platforms such as Transamerica ONE and TFA365.

Robert Tapia is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and over 22 years of industry experience. His prior roles include positions at Mariner Independent Advisor Network, LPL Financial, Stratos Wealth Partners, and Morgan Stanley. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm’s fiduciary-based model employs a range of investment strategies and utilizes technology platforms to implement advice through portfolio managers and third-party strategists.

Tomonari Yamanaka is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds a Series 66 designation and has worked at Citigroup Global Markets since 2014. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies with internal standards and oversight committees to select and monitor managers, and operates with large institutional scale and specialized market roles.

Chris Spencer is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 22 years of industry experience. His career includes positions at LPL Financial, Mariner Independent Advisor Network, Merrill, Banc of America Investment Services, and Morgan Stanley. Spencer is involved in providing investment advisory services through Mariner Independent Advisor Network LLC, an independent investment advisor firm. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based model utilizing technology platforms and a range of investment strategies, often implementing advice through third-party managers and TAMPs.

Chao Lin Wood is a ChFC® credentialed financial advisor with 18 years of industry experience, currently with Citigroup Global Markets in San Jose, CA, where he has worked since 2016. Prior to Citigroup, no other firms are listed. Outside of advisory work, he is a co-owner and landlord of rental properties in the San Jose and Santa Clara areas. 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 integrates in-house research and operates with large institutional scale, providing a broad range of advisory and execution services.

Pablo Albarran is a financial advisor with Transamerica Financial Advisors in Santa Clara, CA, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked at Transamerica Financial Advisors since 2012 and is also involved with Dream Builder Financial and Silicon Valley Enterprise, Inc. Outside of advisory work, Albarran is engaged in health insurance sales through Matrix Insurance Agency. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement plan services to a wide range of clients, including individuals, employer-sponsored plans, trusts, and businesses. The firm utilizes model portfolios and third-party managers to implement its advisory services, supported by platforms such as Transamerica ONE and TFA365, managing approximately $1.7 billion in regulatory assets under management.

Sajni Shah is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and 17 years of industry experience. Her prior work includes roles at Fidelity Investments, Bank of America, Merrill, Wells Fargo Advisors, Camino Advisors, LPL Financial LLC, and Mariner Independent. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, utilizing a fiduciary-based advisory model and a variety of investment strategies and technology platforms.

Parth Parikh is a financial advisor at HSBC Securities (USA) Inc. with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at several financial institutions, including Bank of America and Wells Fargo. Parikh is also the owner of Parikh Brothers and Associates, a technology business where he manages daily operations outside of his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary portfolios. The firm integrates strategic and tactical asset allocation with third-party fund due diligence, providing clients with a range of investment solutions including programs tailored for private bank clients and non-resident aliens.

Stephen Cheng is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 33 years of industry experience, including roles at Transamerica Financial Advisors since 2012 and World Financial Group since 2001. He is also involved in the sale of insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and businesses, delivering services through a large advisor network and multiple program platforms. The firm’s advisory model primarily utilizes model portfolios and third-party managers, supported by proprietary and external solutions.

Hadi Ahmadi Aval is a CFP®-credentialed financial advisor with eight years of industry experience, currently affiliated with Eagle Strategies (NY Life) in San Jose, CA. He operates Aval Financial Strategies and Insurance Solutions, Inc., through which he sells New York Life products and brokers non-registered insurance products. Prior to his current roles, he has been associated with NYLIFE Securities LLC and New York Life Insurance Co. for multiple years. Eagle Strategies serves a diverse client base including individual investors, retirement plans, and institutional clients, providing financial planning, investment management, and advisory services. The firm emphasizes tailored recommendations and conducts the majority of its asset management on a non-discretionary basis within an integrated New York Life affiliate structure.

Xiao Lin is a Certified Financial Planner® with five years of experience at Transamerica Financial Advisors and additional background as a Certified Divorce Financial Analyst since 2026. She has worked in health insurance sales and related businesses for over 15 years and is involved with Zhong Shi & Associates, Inc., a spouse-owned non-investment business. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, and charitable organizations, offering advisory and broker-dealer services through proprietary and third-party investment models with both discretionary and non-discretionary options.

Mark Branson is a CFA® charterholder with 22 years of experience in the financial services industry. He has worked at Cerity Partners, LLC since 2026 and previously spent 20 years at Cornerstone Capital, Inc., as well as five years at RCM. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm employs tailored asset allocation, manager selection, and periodic rebalancing, combining proprietary quantitative methods with third-party managers and individual securities.

Denny Tsuei is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at several firms including Citigroup, TD Ameritrade, Scottrade, and Charles Schwab. Tsuei is also a dual-hatted Bank Officer at HSBC Bank (USA) N.A., where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary strategies. The firm employs a structured investment process with model risk profiles and leverages both affiliated and third-party providers for advisory, fund selection, and administrative services.

Jigisha Bengali is a financial advisor with Schwab Wealth Advisory in San Jose, CA, holding a Series 66 designation and having 10 years of industry experience. Her prior experience includes roles at Bank of America, Merrill, Charles Schwab Bank, and Charles Schwab. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.'s asset-allocation models and internal research tools to offer tailored recommendations without discretionary trading authority.

Adrianne Flores is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and two years of industry experience. She has prior experience with Alameda Financial Group, Koehler & Associates CPA's Inc, The Weed Solution, and Staples, Inc. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and retirement plans. The firm employs both active and passive investment approaches, utilizing model portfolios and third-party asset managers to tailor strategies according to client risk tolerances.