Marsha Williams is a Series 66-licensed financial advisor at Independent Financial Group, LLC with 23 years of industry experience. She previously worked at D.A. Davidson & Co. for 11 years and Crowell, Weedon & Co. for 6 years. 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 pension plans. The firm uses model-driven portfolio management combining passive and active strategies across multiple risk profiles.

Abu Gofran is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent six years with Legend Equities Corporation. Outside of his advisory role, Mr. Gofran also operates as a health insurance broker, setting up group health insurance plans for small businesses. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans, including educators and participants in 403(b) and 457(b) programs. The firm combines advisor-led consulting with a range of portfolio management options, utilizing in-house model portfolios and third-party managers while acting as a fiduciary for ERISA and retirement advice.

Chelsey Asef is a financial advisor at D.A. Davidson & Co. with one year of industry experience. She holds the Series 66 designation and has a background that includes roles in real estate and hospitality. Outside of advising, she works part time as a bartender for a non-investment related business. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individuals, charitable organizations, and corporations. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and private wealth management, operating under the Advisers Act fiduciary standard.

Matthew Apodaca is a financial advisor with Money Concepts Capital Corp in Brea, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Money Concepts FPC since 2009. Outside of his advisory role, he works as a staff accountant and tax preparer with NorthPoint Tax, Wealth & Business Advisory, LLP, and serves as an officer at Strategic Dash, CPA, focusing on tax preparation. Money Concepts Advisory Service (MCAS) provides portfolio management, financial planning, and consulting services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a variety of managed programs using model portfolios, IAR-designed portfolios, and third-party sub-advisers, integrating fundamental and technical analysis with modern portfolio theory.

Kenneth Ruan is a financial advisor at GWN Securities Inc. with Series 66 credentials and has been in the industry since 2025. Prior to joining GWN Securities, he had limited professional experience, including a role at One Bite Dumpling in 2021. He is also involved with Pension101, providing pension education and lead generation. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm operates a large network of advisors and offers a range of investment programs, including traditional asset allocation and legacy market-timing strategies.

Ana Fuentes is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 designation and one year of industry experience. She previously worked at Financial Partners Credit Union for eight years and Farmers and Merchants Bank for two years. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and providing both discretionary and non-discretionary management options.

Sunny Leung is a financial advisor at Transamerica Financial Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Transamerica Financial Advisors since 2012. His prior experience includes eight years at Debtmerica Relief and 25 years at WFGIA. He is involved in the sales of insurance and non-insurance products affiliated with Transamerica. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party model portfolios, offering discretionary and non-discretionary program options.

Karin Frieden is a financial advisor at TIAA-CREF with 22 years of industry experience. She holds the Series 66 designation and has been with TIAA-CREF and its predecessor since 2009. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund within a vertically integrated structure.

Ernest Reyes is a financial advisor with Centaurus Financial, Inc. in Upland, CA, holding a Series 63 license and bringing 38 years of industry experience. He has worked at Centaurus Financial since 2016, with prior roles at WHJR Associates and Royal Alliance. Outside of his advisory work, Reyes is involved as a sales consultant facilitating trust setup between clients and attorneys through AmeriEstate Legal Plans. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning and portfolio management using its CLASSIC Plus platform, employing both discretionary and non-discretionary arrangements supported by a mix of fundamental and technical analysis methods.

Benson Liao is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 credentials. He has 32 years of industry experience and has been associated with New York Life and its affiliates since 1993. Outside of advisory work, he serves on the boards of several nonprofit organizations, including the Taiwan Hotel and Motel Association of Southern California and Moringa For Love. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large nationwide network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and delivers advice through multiple program types while managing the majority of its assets on a non-discretionary basis.

Tsz Kwan Lau is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cetera, Cathay Bank, Bank of America, and Merrill. Outside of his advisory work, he is the sole member of KDK1 LLC. 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 leverages in-house research and a range of discretionary and non-discretionary strategies, including exposure to alternative and digital-asset products.

Elizabeth Min is a financial advisor at Independent Financial Group, LLC with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has been associated with Independent Financial Group since 2016. She is also the owner of T&J Financial Service, Inc., which operates as a marketing DBA and offers insurance products outside of her work at Independent Financial Group. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporations, and charitable organizations. The firm offers financial planning and portfolio management through multi-manager and third-party asset manager programs, utilizing a combination of active and passive investment strategies tailored to client risk profiles.

Emily Lin is a financial advisor with HSBC Securities (USA) Inc. in Arcadia, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at HSBC Securities since 2013 and concurrently serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate firm. Her prior experience includes roles at Merrill and Charles Schwab. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment options. The firm combines strategic and tactical asset allocation developed with HSBC Global Asset Management and oversees fund selection and monitoring through affiliated providers.

Kevin Ku is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation and one year of industry experience. He previously worked at KPMG for 12 years before joining Wealth Enhancement Group and its affiliate firm. 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 approach blending passive and active strategies overseen by an internal Investment Committee.

Richard Hansen is a financial advisor with Transamerica Financial Advisors holding Series 63 and Series 65 credentials and seven years of industry experience. He has worked with multiple firms including WFG Direct and Legal Shield and currently serves as a part-time Discipleship Pastor at Antelope Valley Foursquare Church, where he oversees various church ministries. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment programs.

Danova Chow is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. Her career includes over two decades at Wescom Financial Services and recent roles at CUSO Financial Services and Infinex Investments. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure that combines discretionary and non-discretionary accounts.

Emiliano Sauceda is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Planmember since 2013 and is also self-employed in investment and insurance services, including fixed insurance and annuities. Sauceda serves on the Board of Directors for the East Los Angeles College Alumni 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’s investment approach centers on a top-down strategic asset allocation framework and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Jin Hymers is a financial advisor with Transamerica Financial Advisors in Brea, CA. He holds Series 63 and Series 65 licenses and has been with Transamerica since 2026. Prior to his current role, Hymers has experience in insurance and tax services, including work with World Financial Group Insurance Agency and Pinnacle Tax Services. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with options for discretionary and non-discretionary management.

George Avila is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Infinex Investments, LPL Financial, and Financial Partners Credit Union. He is also involved with AmeriEstate Legal Plan, where he discusses living trusts on a limited basis. Osaic Institutions, Inc. is an SEC-registered investment adviser that serves individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with a focus on firm supervision and a sizable non-discretionary asset book.

Wasana Arayatanon is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Transamerica Financial Advisors since 2016. Her other business activities include sales of insurance and non-insurance products affiliated with the firm. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment models.