Tracy Haraksin is a financial advisor with Guardian Life in Claremont, CA, holding Series 63 and Series 65 licenses and over 11 years of industry experience. She has worked extensively with Park Avenue Securities and Guardian Life Insurance Company, serving clients since 2015. Outside of her advisory role, she is involved with several nonprofit organizations, including board memberships at Aging Next and the Inland Empire chapter of EPI, and participates in philanthropic activities and financial education facilitation. Guardian Life, through its Park Avenue® Wealth Management subsidiary, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client solutions combining advisor-led discretionary management with model-based strategies, access to proprietary programs, and a range of investment and lending options.

Luke Chua is a financial advisor at GWN Securities Inc. with a Series 66 designation. He has been in the industry for approximately one year and has prior experience with Providian Assets Management LLC and Golden Arches Development Corporation. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning offerings. The firm utilizes a combination of affiliated and unaffiliated sub-advisers and model-based allocations, employing market-timing and momentum-based strategies in certain legacy programs.

Malcolm Roane is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 66 registrations and 36 years of industry experience. His career includes roles at Infinex Investments, Inc., LPL Financial, and Financial Partner Credit Union. Additionally, he is involved with AmerEstate Legal Plan, Inc., a business focused on living trusts and wills, primarily providing referrals. 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 support, and access to alternative investments, operating through a hybrid adviser/broker-dealer model with a distinctive emphasis on independent third-party promoters and extensive affiliations.

Sean Doyel is a financial advisor at D.A. Davidson & Co. He holds a Series 66 designation and joined the firm in 2025. Prior to his career in financial advising, he worked for over a decade at In-N-Out Burger. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm operates under the Advisers Act fiduciary standard and offers both discretionary and non-discretionary investment advisory services, as well as comprehensive financial planning and a Private Wealth program for high-net-worth clients.

Anthony Shiao is a financial advisor with TIAA-CREF in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with TIAA and TIAA-CREF since 2007. 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 existing relationships through TIAA-administered employer retirement plans. The firm distinguishes between point-in-time planning services and ongoing discretionary management, operates as a fiduciary for its RIA services, and acts as adviser to a donor-advised fund.

Cam Liang is a Certified Financial Planner® at Transamerica Financial Advisors with nine years of industry experience. He has held roles at firms including Jack Schroeder & Associates and LSPN Pro LLC, and he also assists clients with Medicare and health insurance enrollment. Additionally, he acts as a referral partner for estate planning services through LSPN Pro LLC. Transamerica Financial Advisors serves a diverse client base, offering both advisory and broker-dealer services such as fee-based wrap programs, model portfolios, and access to third-party money managers. The firm operates as both a registered broker-dealer and a registered investment adviser and provides a range of discretionary and non-discretionary investment programs.

Justine Munoz is a CFP® with 14 years of industry experience and currently serves as a financial advisor at Cerity Partners LLC. She previously worked for 17 years at Gamble Jones Investment Counsel. Cerity Partners advises a diverse client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services and employs an investment approach that combines proprietary quantitative screening, manager selection, and direct security selection, along with access to alternative and private market solutions for qualified clients.

Ricardo Escobosa is a financial advisor at First Citizens Investor Services, Inc. with one year of industry experience. He has previously worked at The Northern Trust Company and Wells Fargo Bank, accumulating over 18 years of experience in the financial sector. He holds the Series 66 designation. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities. The firm offers portfolio management, wrap programs, model portfolios, and financial planning, focusing on IAR-led client assessments and a mix of fundamental, quantitative, and technical investment analysis.

Yanhua Xu is a financial advisor at Citigroup Global Markets with nine years of industry experience. Xu holds a Series 66 designation and has worked at CitiGroup since 2022, with prior experience at Cetera and CTBC Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with unique market roles, including in-house research, swap dealer and futures commission merchant operations.

Daniel Vigil is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 65 designation and seven years of industry experience. He has been with Bankers Life Advisory Services since 2019 and has worked at Bankers Life And Casualty Company since 2014, where he serves as a Branch Sales Manager overseeing hiring and training of agents. Outside of his advisory role, he is a principal of MEV Enterprises, where he conducts analysis and decision-making on real estate investments. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across a range of securities.

Loren Barrett is a financial advisor at GWN Securities Inc. in Los Angeles, CA, holding a Series 66 designation with two years of industry experience. Prior to joining GWN Securities, he worked at TSA Private Equity Real Estate and Petco, and has an educational background including Santa Clara University and Highland Park High School. Outside of his advisory role, Barrett owns an online apparel brand where he serves as creative director. GWN Securities is an SEC-registered investment adviser and broker-dealer that serves individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a network of approximately 423 advisors and manages around $3.65 billion across more than 37,000 client accounts, offering a range of managed-account programs and investment strategies.

Dongyue Lyu is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo, HSBC Securities, HSBC Bank USA, and Cathay Bank. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supported by in-house research and unique market roles such as swap dealing and futures commission merchant activities.

Nidaa Kalasho is a financial advisor with First Citizens Investor Services, Inc. who holds Series 63 and Series 65 registrations and has 13 years of industry experience. Her prior work includes roles at U.S. Bank, U.S. Bancorp Investments, Inc., and Wells Fargo, spanning over a decade. Kalasho is based in Pasadena, California. First Citizens Investor Services, Inc. serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm offers advisory and brokerage services with a client process focused on financial needs assessment and employs a range of investment products and strategies, including portfolio management, model portfolios, and tax-aware services.

Chao Zhao is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses. Zhao has been in the industry since 2024, having previously worked at Wfgia and currently affiliated with Transamerica since 2025. Outside of advisory work, Zhao is involved in sales of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model and offers a range of programs and platforms such as Transamerica ONE and the TFA365 Advisory Program.

Howard Qu is a financial advisor with Transamerica Financial Advisors and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at World Financial Group, INC., DebtMerica, and his own firm, Howard Hughes Qu & Associates, Inc. In addition to advisory work, he manages corporate compliance and tax matters for his firm. Transamerica Financial Advisors serves a broad client base including individuals, retirement plans, trusts, and charitable organizations, delivering services through a large advisor network and multiple program platforms that utilize model portfolios and third-party managers.

Jennifer Overhoff is a financial advisor at TIAA-CREF with 18 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes roles at LPL Financial, Bancwest Investment Services, and Sheaff Brock Investment Advisors. 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 connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing portfolio management through model and customized portfolios, operating within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Sean Mccarty is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 19 years of industry experience. He has worked at Commonwealth since 2009 and has been associated with Diversified Investment Services since 2003. In addition to his advisory role, he has engaged in fixed insurance sales on a limited basis. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and services including wealth management and retirement plan consulting. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Kevin Choi is a Series 66-credentialed advisor with 11 years of experience at both JTW Financial Services Inc and Independent Financial Group, LLC. He has been affiliated with Independent Financial Group since 2015. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers a range of portfolio management options and financial planning through multiple platforms, combining strategic asset allocation with both passive and active investment strategies.

Dawson Halvorson is a financial advisor at Eagle Strategies (NY Life) with four years of industry experience. He holds a Series 66 designation and has previously worked with Northwestern Mutual Investment Services LLC. Outside of his advisory role, he is affiliated with Vanguard University. Eagle Strategies serves a diverse group of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm emphasizes tailored solutions and manages the majority of its assets on a non-discretionary basis.

Ming Wai Kwok is a financial advisor at Citigroup Global Markets with four years of industry experience. He holds the Series 66 designation and has been with Citigroup since 2016. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs through discretionary and non-discretionary models. The firm combines large institutional scale with specialized market roles, providing a broad set of advisory and execution services.