Lily Ou is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with Transamerica since 2012 and has prior experience at Wfg and In Home Supportive Services. Outside of advising, she is 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 charitable organizations. The firm employs a model portfolio approach with third-party managers and platform sub-advisors to deliver investment advisory and retirement plan services.

Heath Polzer is a financial advisor at TIAA-CREF with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with pre-existing relationships through employer retirement plans. The firm offers planning services alongside ongoing portfolio management, operates a fiduciary standard for its advisory services, and acts as adviser to a donor-advised fund.

Patrick Chin is a financial advisor at Wealth Enhancement Advisory Services, LLC, holding CFP®, CFA®, and Series 66 credentials with seven years of industry experience. His prior experience includes roles at Wells Fargo Clearing, JPMorgan Securities, JPMorgan Chase Bank, Northern Trust, and Ellison Technologies. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and access to managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified, risk-class based investment approach that blends passive and active managers, with portfolio oversight by an internal Investment Committee.

Christine Mok is a financial advisor with GWN Securities Inc. in Pasadena, CA, holding a Series 66 credential and two years of industry experience. Prior to joining GWN Securities, she worked at Chapresso and attended the University of California, Irvine. Outside of her advisory work, she has experience as a barista at a local boba store. GWN Securities provides investment advisory services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm’s approach includes the use of affiliated and unaffiliated sub-advisers and incorporates market-timing and momentum-based strategies in certain programs.

Hui Zhang is a financial advisor at Independent Financial Group, LLC with 14 years of industry experience and holds a Series 66 designation. Prior to joining Independent Financial Group in 2020, Zhang worked at Cetera, East West Bank, and Merrill. Outside of advisory work, Zhang serves as an officer and director of Sunrise Lending Inc, a mortgage lending firm, and is involved in sales coaching with Crump Insurance Company. Independent Financial Group, LLC provides advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutions. The firm uses a combination of firm and third-party investment models and offers multiple portfolio management options, blending passive and active strategies across various risk profiles.

Zachary Valdez is a financial advisor at GWN Securities Inc. with a Series 66 designation and one year of industry experience. Prior to joining GWN Securities, he held roles at Harvey Mudd College, Keck Graduate Institute, Score Savers College Prep, Middle Tree Academy and Foundation, and ADP. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs a combination of affiliated and unaffiliated sub-advisers and incorporates market-timing and momentum-based strategies in certain legacy programs.

Josephine Tran is a financial advisor at TIAA‑CREF with eight years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Her previous roles include periods at Berthel Fisher & Company Financial Services, Inc., BFC Planning, Inc., and self-employed consulting. 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 with existing TIAA retirement plan relationships. The firm operates a fiduciary advisory model with a separation between point-in-time planning and ongoing discretionary management, utilizing both model and customized portfolios.

Bryton Lam is a financial advisor at Citigroup Global Markets with Series 63 and 65 licenses and three years of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and several financial services and mortgage-related firms. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs, broker-dealer execution, custody services, and derivatives and futures capabilities. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary options, leveraging internal standards and oversight committees to select and monitor investment managers.

Komal Motwani is a CFP® with seven years of industry experience, currently serving as a financial advisor at TIAA-CREF. Prior to joining TIAA-CREF in 2025, Motwani worked for Yanni & Associates Investment Advisors, LLC for a total of seven years and spent time at Thakar Financial LLC, Raymond James. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm distinguishes between stand-alone planning services and ongoing discretionary management and acts as adviser to a donor-advised fund.

Tat Chan is a financial advisor with Principal Financial Services in Pasadena, CA, holding Series 63 and Series 65 designations and seven years of industry experience. His career includes roles at Principal Life Insurance Company, NYLIFE Securities LLC, New York Life Insurance Co., Basel Capital, Whitewing Insurance Solutions, and HSBC in both the U.S. and Hong Kong. Outside of advisory work, he is the owner of Seed Capital LLC, which is investing as a limited partner in a restaurant. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel, with advisory offerings that include financial planning and access to third-party money manager solutions.

Rahul Karugapadam is a financial advisor with FIFTH THIRD SECURITIES, Inc., holding Series 63 and Series 66 credentials and seven years of industry experience. His career includes roles at Ameriprise, Comerica Securities, Wells Fargo, and J.P. Morgan. He is also a part owner of his wife's hair salon. FIFTH THIRD SECURITIES serves individual and institutional clients through investment advisory and brokerage channels, offering multiple program types and third-party portfolio managers on its Passageway Managed Account platform. The firm operates as a direct wholly owned subsidiary of Fifth Third Bank and manages a broad range of investment solutions including mutual funds, ETFs, SMAs, and direct indexing.

Rita Pattaratornkosohn is a financial advisor with GWN Securities Inc. and holds a Series 66 designation. She has less than one year of industry experience. Prior to joining GWN Securities, her background includes academic roles at the University of California Riverside and a brief period at POKE CO. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a mix of affiliated and unaffiliated sub‑advisers and uses market-timing and momentum-based strategies within certain legacy programs.

Brighton Lam is a financial advisor with GWN Securities Inc. based in Pasadena, CA. He holds the Series 66 designation and began his career with the firm in 2026. Prior to entering the industry, Brighton worked in the food service sector and completed his education at California State University, Los Angeles. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning options. The firm employs a mix of affiliated and unaffiliated sub-advisers and incorporates market-timing and momentum-based strategies alongside model-based asset allocation.

Ashton Fegel is a financial advisor at GWN Securities Inc. based in Pasadena, CA. He holds a Series 66 designation and has less than one year of industry experience. Prior to joining GWN Securities, his background includes roles in education and retail. GWN Securities provides investment advisory and related services to individual and corporate clients through a variety of managed account programs and financial planning offerings. The firm applies both affiliated and unaffiliated sub-advisers and utilizes market-timing and momentum-based strategies in certain legacy programs.

Cuong Thuyen is a financial advisor with Independent Financial Group, LLC, holding a Series 66 designation and 21 years of industry experience. He has worked at several firms, including Capwest Securities, Inc., Tweed Financial Services, Inc., and United Securities Alliance, Inc. Thuyen is also involved in the local real estate community as a member of the West San Gabriel Valley Association of Realtors and the Arcadia Association of Realtors, and he owns Kong Financial Services, which offers health and life insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and charitable organizations. The firm offers financial planning and portfolio management using both firm- and third-party models, combining active and passive strategies tailored to client risk profiles.

Ernesto Alvarez is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at JPMorgan Securities, JPMorgan Chase Bank, and several other financial firms dating back to 2003. Citigroup Global Markets serves both individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies and operates with large institutional scale, including functions as a security-based swap dealer and futures commission merchant.

Meileh Burns is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and 17 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has held managerial roles in several real estate and trading-related companies. Outside of her advisory work, she is involved in music ministry as a worship leader and background singer for the Paul McDonald Big Band and Changed Church. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm delivers services through a large network of advisors and multiple program platforms, utilizing model portfolios and third-party managers for portfolio management.

Berkeley Harrison is a CFA® charterholder with 13 years of industry experience. He currently works at Sequoia Financial Group, L.L.C. and previously held positions at LPL Financial LLC, Sterling Financial Group, and Citibank, N.A. / Citigroup Global Markets Inc. Sequoia Financial Advisors, LLC provides wealth planning, investment management, retirement-plan advisory, and consulting services to individuals, family offices, corporations, charitable organizations, trusts, and retirement plans. The firm combines model portfolios and custom investment solutions overseen by an Investment Policy Committee and utilizes a range of investment vehicles including mutual funds, ETFs, individual securities, private funds, and third-party managers.

Artin Muradyan is a financial advisor at GWN Securities Inc. with one year of industry experience. He holds the Series 66 designation and has worked previously at Full Stop Management and Kara Content. Muradyan is also a registered representative for LA Pension Planners. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts and access to third-party sub-advisers and model portfolios, operating a large network of approximately 423 advisors and managing about $3.65 billion across more than 37,000 client accounts.

Jingxue Liang is a financial professional with eight years of industry experience, currently affiliated with GWN Securities Inc. She holds a Series 66 designation and has prior experience with Equitable Advisors and Axa Advisors. In addition to her advisory role, she is involved in marketing and translation work for an independent home fashion business. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning options. The firm utilizes both affiliated and unaffiliated sub-advisers and combines asset allocation principles with tactical market-timing strategies in its portfolio management.