Hui Yao Lu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Transamerica Financial Advisors since 2012 and has additional business involvement as chairman and CEO of Lu and Wang Corp, which manages her business expenses related to her advisory work. Lu maintains a real estate and mortgage license through Gold House Realty and Mortgage, though she conducts minimal activity in that area. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary and third-party investment models with discretionary and non-discretionary options.

Kathleen Harris is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. She previously worked at J. W. Cole Advisors, Inc. and J.W. Cole Financial, Inc. from 2015 to 2017. Creative Planning offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment approach that emphasizes low-cost indexing combined with supplemental strategies, supported by a large advisory team and centralized investment infrastructure.

Jeffrey Westsmith is a CFA® charterholder with 19 years of industry experience. He has worked at IEQ Capital, LLC since 2019 and previously held roles at First Republic Investment Management, Inc. and First Republic Securities Company, LLC from 2013 to 2019. IEQ Capital provides discretionary and non-discretionary portfolio management and advisory services primarily to high-net-worth individuals, families, trusts, foundations, and private funds. The firm’s investment approach combines centralized macro and manager research with allocations to liquid and private alternative investments, supported by a platform that manages approximately $35.4 billion in assets.

Robert Nicolosi is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. Prior to joining TIAA-CREF in 2016, he worked at Scottrade from 2014 to 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with pre-existing relationships through employer retirement plans. The firm offers discretionary portfolio management through model and customized portfolios and acts as adviser to a donor-advised fund.

Lan Li is a registered representative with HSBC Securities (USA) Inc. and holds the Series 66 designation. He has 20 years of industry experience and has worked with HSBC Securities since 2012 and HSBC Bank USA N.A. since 2013. Lan is dual hatted as a Bank Officer for HSBC Bank USA, engaging 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 a variety of program types, including client-directed and fully discretionary options. The firm employs a multi-profile investment process and works with affiliated and third-party providers for advisory, fund selection, and administrative services.

Ashley Cruz is a financial advisor at IEQ Capital, LLC with five years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and UBS Financial Services. Cruz’s background includes roles at several firms, beginning her career at Mortgage Mavens Inc. and the Gnazzo Group before joining IEQ Capital. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals and families, as well as trusts, foundations, and nonprofit organizations. The firm’s investment approach combines centralized macroeconomic research with client-specific Investment Policy Statements and a mix of liquid strategies, third-party independent managers, and private alternative investments.

Tony Chang is a financial advisor at Rockefeller Financial LLC with four years of industry experience. He holds a Series 66 designation and has worked at Rockefeller & Co and Financial Clarity Inc. prior to his current role. Rockefeller Financial LLC serves ultra-high and high-net-worth individuals, families, family offices, charities, corporations, and retirement plans by providing wealth management, financial planning, portfolio management, and retirement plan consulting. The firm offers integrated services including access to alternative and private investments, supported by its unique ownership structure and the Rockefeller Global Family Office platform.

Manya Bhutani is a financial advisor at Cerity Partners LLC with a Series 65 designation and one year of industry experience. Prior to joining Cerity Partners in 2024, she held roles at Bank of Hope, Internet Brands, and CSU Long Beach, following a decade of full-time education. Cerity Partners is an SEC-registered investment adviser serving a diverse clientele, including high-net-worth individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, and access to alternative investments, with a focus on customized, diversified asset allocation and both discretionary and non-discretionary strategies.

Monique Ray is a financial advisor at IEQ Capital, LLC with one year of industry experience. She holds a Series 65 designation and has previously worked at firms including Alliance Bernstein and Goldman Sachs. Outside of her advisory role, Monique is a member of the Financial Women of San Francisco, a nonprofit organization focused on market outlooks and women in business seminars. IEQ Capital provides portfolio management and advisory services primarily to high-net-worth individuals, families, and institutional clients. The firm employs a centralized investment process that integrates macro and manager research, utilizing both liquid and private alternative investments.

Denise Lo is a CFP® professional with 22 years of industry experience, currently serving as a registered representative at HSBC Securities (USA) Inc. since 2024. Prior to this, she spent 17 years at Citigroup Global Markets. Denise also holds a concurrent role as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her advisory firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm’s investment approach integrates strategic and tactical asset allocation supported by global asset management affiliates and utilizes multiple risk profiles to tailor portfolios.

Anatoly Vilderman is a financial advisor at OSAIC Institutions, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Osaic Investments, Inc. since 2023. His prior experience includes roles at San Mateo Credit Union and CUSO Financial Services, LP. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments through a hybrid adviser/broker-dealer structure.

Andrew Belcher is a financial advisor at IEQ Capital, LLC with one year of industry experience. He holds a Series 65 designation and previously worked at Protiviti and Eureka Restaurant Group. IEQ Capital provides portfolio management and advisory services primarily to high-net-worth individuals, families, and institutional clients, focusing on separately managed accounts and family-office services. The firm’s investment approach includes centralized macro and manager research, independent manager allocation, and access to liquid and private alternative investments.

Jacky Tam is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and has been with Transamerica since 2012. In addition to his advisory role, he is president of JJP Enterprise, Inc., a business unrelated to investments, and owns a second home. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and charitable organizations. The firm uses model portfolios and third-party managers for investment implementation and offers multiple program platforms such as Transamerica ONE and TFA365.

Heather Mazander is a financial advisor at Creative Planning with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Valic Financial Advisors, Regions Bank, and Agia. Outside of her advisory duties, she serves as a notary and provides this service for friends and neighbors on a voluntary basis. Creative Planning offers wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, supported by a broad range of institutional and retirement plan services.

Griffin Grooms is a financial advisor at IEQ Capital, LLC with one year of industry experience. He holds a Series 65 credential and has previously worked at Agilis Advisors GmbH and StockX. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals and families, as well as trusts, foundations, endowments, and nonprofit organizations. The firm’s investment approach combines centralized macroeconomic research with tailored Investment Policy Statements, utilizing a mix of liquid strategies, third-party independent managers, and private alternative investments.

Michael Denevi is a financial advisor with Hightower Advisors, holding a Series 66 designation and 22 years of industry experience. He has been with Hightower Securities, LLC and Hightower Advisors since 2010. Hightower provides investment advisory and planning services to a diverse client base, including individuals and institutions such as pension plans, charitable organizations, and corporations. The firm’s approach emphasizes manager selection and multi-manager solutions, offering a range of portfolio management and consulting services supported by proprietary research and access to various investment vehicles.

Noah Lazenby is a financial advisor at Focus Partners Wealth, LLC with a Series 65 credential and one year of industry experience. His prior work includes roles at PacificHQ LLC, J.P. Morgan, Xen, Inc, Silicon Valley Bank, Visa, and the University of California - Santa Cruz. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing a combination of fundamental and quantitative analysis, consultant-derived capital market assumptions, and third-party managers, and offers a broad range of wealth management, advisory, and related financial services.

Timothy Salunga is a financial advisor with TIAA-CREF in Palo Alto, CA, holding Series 66, Series 63, and Series 65 licenses. He has 15 years of industry experience, including roles at Sigfig Wealth Management and TIAA-CREF. Outside of his advisory work, he co-owns a rental condominium in San Francisco with his wife. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers a range of advisory services including model portfolio management and customized portfolios overseen by dedicated portfolio managers.

Yanxiao Li is a CFP® professional with three years of industry experience, currently serving as an advisor at Focus Partners Wealth, LLC since 2025. Prior to this, he worked at Bordeaux Wealth Advisors for three years and spent five years at Deloitte Tax LLP. He also has five years of experience at the University of Denver. Focus Partners Wealth serves a diverse client base including individual, high-net-worth, family office, corporate, retirement plan, and institutional clients, offering a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines fundamental and quantitative analysis with third-party managers, and it integrates a broad network of affiliated service companies and product relationships.

Daniel Lee is a Series 66-licensed financial advisor at IEQ Capital, LLC with 14 years of industry experience. He previously worked at First Republic Investment Management for ten years and at Certuity, LLC for one year before joining IEQ Capital. IEQ Capital provides discretionary and non-discretionary portfolio management and advisory services primarily to high-net-worth individuals, families, trusts, and institutions. The firm emphasizes separately managed accounts and offers access to alternative investments through a centralized research process and partnerships with independent managers.