Chuong Ha is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. His prior work includes a year at Net Law and roles with World System Builders and World Financial Group since 2015. He is also involved in sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individuals, pension plans, trusts, and charitable organizations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Yang Song is a financial advisor with Eagle Strategies (NY Life) based in San Jose, CA. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. His career includes roles at Eagle Strategies since 2009 and New York Life Insurance Company and its affiliated entities since 1998. Eagle Strategies serves a wide range of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm emphasizes tailoring its solutions to client objectives and handles a majority of its assets on a non-discretionary basis.

Michael Flynn is a financial advisor with Eagle Strategies (NY Life) based in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He is the owner of Flynn Wealth Strategies and Insurance Solutions, Inc., and serves on the advisory board of MIF, Inc., a medical billing company with operations in the U.S. and international delivery centers. Eagle Strategies serves individual and institutional clients by 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, with a significant portion of its assets managed on a non-discretionary basis and a focus on fiduciary responsibilities in retirement plan advisory.

Long Hoang is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and having four years of industry experience. He is also involved with the National Association of Registered Social Security Analysts and manages accounting for a family-owned hair salon business. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and charitable organizations. The firm offers a range of advisory and broker-dealer services, including fee-based wrap programs, model portfolios, and access to third-party money managers, with both discretionary and non-discretionary program options.

Linda Smestad is a financial advisor with Commonwealth Financial Network in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Commonwealth since 2006 and is also co-owner of Investment House, LLC, which operates a securities business. Additionally, she has experience in tax preparation outside the investment field. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, supported by extensive operations, trading, technology, and compliance infrastructure.

Danning Zhao is a CFA® charterholder and Series 65 registered advisor at Corient with four years of industry experience. His career includes roles at Corient, Portola Partners, Kepos Capital, and Galaxy Derivatives Capital Management, as well as academic positions at the Yale School of Management and the University of California, Berkeley. Zhao is based in Menlo Park, CA. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and customized asset allocation, employing risk management tools and alternative investments where appropriate.

Alena Povarova is a financial advisor with Osaic Advisory Services, LLC and holds a Series 65 designation. She has 18 years of industry experience, having previously worked at Arbor Point Advisors, KMS Financial Services, Sowell Financial Services, and Concert Wealth Management. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and state and municipal entities. The firm provides investment management, financial planning, retirement plan consulting, third-party manager selection, and related services through multiple program models with custody primarily arranged through Schwab and Fidelity.

Varun Jain is a financial advisor at Cresset Asset Management, LLC with a Series 66 designation and two years of industry experience. His prior work includes roles at First Republic Investment Management, Inc. and Evidation Health. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in client assets, serving a range of clients including individuals, high-net-worth clients, and institutions. The firm employs a disciplined, risk-aware investment approach combining strategic asset allocation, manager selection, and active and passive strategies across public and alternative asset classes.

Timothy Garner is a CFP® professional with 23 years of industry experience, currently affiliated with Primerica Advisors. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, METLIFE SECURITIES Inc, and currently Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he prepares tax returns for Intuit Turbo Tax customers. Park Avenue Securities LLC serves a diverse retail client base with brokerage and advisory services, offering proprietary and third-party investment programs along with financial planning and consulting. The firm manages approximately $15 billion in regulatory assets under management and supports a range of investment strategies, including discretionary and non-discretionary accounts.

Jon Ekoniak is a CFP® professional with seven years of industry experience, currently with Focus Partners Wealth, LLC. His prior roles include positions at Bordeaux Wealth Advisors, Jon Ekoniak Consultancy, and Charles Schwab & Co. He is based in Menlo Park, CA. Focus Partners Wealth, LLC provides wealth advisory and investment management services to a broad client base, including individuals, families, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that integrates active and passive strategies alongside various specialized offerings.

Tam Diep is a financial advisor at Focus Partners Wealth, LLC with three years of industry experience. He holds a Series 66 designation and has worked at firms including J.P. Morgan Securities, Hightower Advisors, and First Republic Bank. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporate, retirement plan, and institutional clients. The firm offers a range of services such as investment management, financial counseling, family office and practice-integrated wealth services, and employs a long-term, tax- and fee-sensitive investment approach that combines fundamental and quantitative analysis with a broad network of affiliated service companies and product relationships.

Ronald Welch is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and 65 licenses and bringing 54 years of industry experience. He has been with PlanMember since 2015 and has operated as a self-employed advisor and enrolled agent since 1972, also providing income tax preparation services. PlanMember Securities Corporation offers retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and providing education, support, and participant-level investment options through its asset allocation portfolios. The firm manages risk-based mutual-fund portfolios using a defined strategic rebalancing process.

Michael Texido is a financial advisor at Cresset Asset Management, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at First Republic Investment Management and First Republic Securities in various roles from 2015 to 2023. Cresset Asset Management is an SEC-registered adviser managing approximately $71.9 billion in client assets for individuals, families, trusts, retirement plans, charitable organizations, and corporations. The firm employs a diversified, asset-allocation-driven approach combining active and passive strategies, with a structured due-diligence program for manager selection and ongoing monitoring.

Yuh Jiun Chen is a financial advisor with Transamerica Financial Advisors, holding Series 65 and Series 63 licenses and bringing 31 years of industry experience. He has held roles in mortgage lending and real estate transactions and operates as a loan officer and broker associate in related businesses. Chen has been active with Transamerica Financial Advisors since 2012. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and charitable organizations, offering both advisory and broker-dealer services through proprietary and third-party investment models with discretionary and non-discretionary options.

Clara Zaya is a financial advisor at Planmember Securities Corporation with 19 years of industry experience. She holds the Series 63 designation and has worked at Planmember since 2011. In addition to her advisory role, she serves as a board member for her local homeowners 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 employs a strategic asset allocation process with risk-based mutual fund portfolios and offers education, support, and personalized retirement planning services.

Nicholas Peterson is a financial advisor at Rockefeller Financial LLC with 12 years of industry experience. His career includes roles at Morgan Stanley, First Republic, and Securian Financial Services. He holds Series 63 and Series 65 licenses. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutions, retirement plans, foundations, and corporations. The firm provides discretionary and non-discretionary portfolio management, financial planning, and consulting, and operates as a registered broker-dealer offering securities transactions, variable insurance products, and investment banking services through a consolidated investment platform.

Maritza Nevarez is a CFP® with 29 years of industry experience, currently serving at Transamerica Financial Advisors since 2016. She has prior involvement with The Heartland Institute of Financial and the American Association of University Women, Fremont Branch. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party money managers, providing discretionary and non-discretionary program options.

Jeffrey Grau is a financial advisor with PlanMember Securities Corporation in Campbell, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with PlanMember and Employee Benefits Services Group since 2011. Outside of his advisory role, he works as a referee for high school and club softball and water polo games. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, while offering education and support services to both sponsors and participants.

Bincheng Wang is a financial advisor at Transamerica Financial Advisors with Series 65 and Series 63 credentials and four years of industry experience. He has held roles in technology and data analysis firms in China, serving as CTO for Hangzhou Arc-Data Tech., Ltd. and Jiaxing Xintu Shuju Keji, Ltd., where he worked on cloud computing algorithms and image processing technologies. Transamerica Financial Advisors serves a wide range of clients including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services with proprietary and third-party investment models.

Michael Zent Jr. is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes roles at Mariner Independent Advisor Network and LPL Financial. He is involved with Camino Advisory Services, Inc., a business entity used for non-investment purposes. Private Advisor Group serves a diverse client base including individuals, trusts, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting. The firm provides access to third-party asset managers and turnkey platforms, with advisory services delivered through a network of investment adviser representatives who tailor solutions to client objectives.