Josh Jansen is a financial advisor at Citigroup Global Markets with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked primarily at Citigroup since 2016, with brief tenures at Wells Fargo and Union Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant activities.

Albert Hwang is a CFP® professional with two years of industry experience, currently serving as an advisor at Cerity Partners LLC. His prior work includes roles at Epitome Learning Center, Consilium Wealth Management, and BDO USA LLP. Cerity Partners advises a diverse clientele including individuals, families, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of December 2025. The firm provides customized wealth management services with an investment approach centered on client-specific profiles, combining quantitative screening, manager selection, and both third-party and direct security strategies, along with access to alternative and private market solutions for qualified clients.

Derick Wong is a financial advisor at Transamerica Financial Advisors with 13 years of industry experience. He holds a Series 66 designation and has worked at several firms including World Financial Group, INC., Nelson & Wong, Louie & Wong CPA, and Byemcc Accountancy Corporation, where he is a partner. Outside of his advisory role, he is involved in accounting and tax services through Byemcc Accountancy Corporation. 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 employs model portfolios and third-party managers for portfolio management and offers integrated retirement plan solutions and affiliated mutual funds and insurance products.

Robert Riney is a financial advisor with VOYA Financial Advisors, Inc. based in Menlo Park, CA, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Principal Securities Inc., Principal Life Insurance Company, AWA Inc., and Fidelity Brokerage Services LLC. In addition to his advisory work, he operates as an independent insurance agent selling fixed insurance products. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement-plan advisory services, utilizing both affiliated and unaffiliated investment products and combining in-house and external strategists with technology-enabled tools to implement client recommendations.

Vu Chau is a financial advisor with Principal Financial Services in San Jose, CA. He holds a Series 66 designation and has 14 years of industry experience, including 12 years at Principal Financial Services and Principal Life Insurance Company. Outside of his advisory role, he owns a business importing and reselling consumer goods at fairs and trade shows and volunteers as an exam writer for the AIF certification. Principal Securities provides brokerage and advisory services to a diverse client base, including individual investors, retirement plans, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions through various advisory and promoter arrangements.

Megan Whyte is a financial advisor at IEQ Capital, LLC with 21 years of industry experience. She holds a Series 65 credential and has worked at IEQ Capital since 2020, following 18 years at Fisher Investments. IEQ Capital provides portfolio management and advisory services primarily to high-net-worth individuals, families, and institutional clients such as trusts and foundations. The firm emphasizes customized investment strategies driven by centralized macroeconomic research and employs a multi-phase due diligence process to construct portfolios with liquid strategies, third-party managers, and private alternatives.

Andrea Bott is a financial advisor at IEQ Capital, LLC with 10 years of industry experience. She holds Series 65 and Series 63 designations and has previously worked at Morgan Stanley and Fisher Investments. Bott joined IEQ Capital in 2025. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals, families, trusts, foundations, endowments, and non-profit organizations. The firm’s investment approach centers on macroeconomic research and client-specific Investment Policy Statements, utilizing a blend of liquid strategies, third-party independent managers, and private alternative investments.

Thuy Tran is a financial advisor at Focus Advisor Solutions, LLC based in San Jose, CA, with 22 years of industry experience. She holds the Series 66 designation and has worked at Buckingham Strategic Partners, Foreside Financial Services, LLC, Loring Ward Securities Inc., and Lwi Financial Inc. Her career spans roles at firms focused on investment management and advisory services. Focus Advisor Solutions provides turnkey asset management and back-office services primarily to independent registered investment advisors and their clients. The firm offers diversified, systematically invested mutual fund and ETF model portfolios from providers such as Dimensional, Vanguard, and BlackRock, along with discretionary fixed-income management, retirement plan fiduciary services, and operational support.

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.

Dai Pham is a financial advisor with Transamerica Financial Advisors in Alviso, CA, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has served as treasurer and consultant for the International Children Assistance Network, supporting treasury and finance functions, and acts as a foster parent for the San Francisco Human Services Agency. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services with a range of proprietary and third-party investment model portfolios.

Robert Nicolosi is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds Series 66, Series 63, and Series 65 licenses. Prior to joining TIAA-CREF in 2016, Nicolosi worked at Edelman Financial Engines, Morgan Stanley, and Fisher Investments. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers discretionary management using model portfolios or customized strategies and serves as adviser to the TIAA Donor Advised Fund.

Benjamin Wong is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Mariner Wealth Advisors since 2021. His prior roles include positions at Commonwealth Financial Network and Msec, LLC. Outside of his advisory work, he is involved in the sales of music performances through Wenbong Music. Mariner Wealth Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm combines discretionary, customized portfolio management with in-house research and access to third-party managers, and provides integrated tax, accounting, and family office services uncommon among large advisory enterprises.

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 five years of industry experience. He holds a Series 66 designation and has previously worked at Rockefeller & Co and Financial Clarity Inc. His career includes roles within the Rockefeller Capital Management organization since 2019. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm offers portfolio management, financial planning, and consulting, operating as a registered broker-dealer that provides a range of investment and insurance products alongside placement and investment banking services.

Denise Lo is a CFP® professional with 23 years of experience in the financial industry. She is currently with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., having joined HSBC in 2024 after 17 years at Citigroup Global Markets. In addition to her registered representative role, she serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a multi-profile, strategic and tactical asset allocation approach supported by global asset management affiliates and offers specialized programs including an Offshore Spectrum option for qualified non-resident clients.

Andrew Belcher is a financial advisor at IEQ Capital, LLC with two years of industry experience and holds a Series 65 designation. Prior to joining IEQ Capital in 2024, his work history includes roles at Protiviti and the Eureka Restaurant Group. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals, families, and institutions, employing a macroeconomic-driven investment process and offering a range of family-office and specialized administrative services. The firm focuses on clients with significant net worth and utilizes a combination of liquid strategies, third-party managers, and private alternative investments.

Yasser Ahmad is a Certified Financial Planner (CFP®) with 14 years of industry experience. He is currently with Independent Financial Group, LLC and has previously worked at Growth Capital Services, Direct Lending Investments, TD Ameritrade, Wells Fargo Advisors, and Banc of America Investment Services. Ahmad is also a 50% owner of Laurelwood Capital Management and Ahmad & Betancourt, Inc., entities used for marketing and tax/investment purposes, respectively, and holds a California insurance agent license offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers customized financial planning and portfolio management using both firm- and third-party models, combining strategic asset allocation and ongoing due diligence with a mix of passive and active investment exposures.

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.

Roger Cortes is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and 10 years of industry experience. He has held roles at Ciena Corporation and LegacyShield Solutions, and is involved with the Heartland Institute of Financial Education, which offers college coaching programs. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm provides both advisory and broker-dealer services, offering model portfolios and access to third-party money managers through discretionary and non-discretionary programs.