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.

Lan Li is a CFP® and Series 66-licensed financial advisor with 20 years of industry experience. She has worked with HSBC Securities (USA) Inc. since 2012 and HSBC Bank USA N.A. since 2013, and previously held roles at Merrill and Wells Fargo Investments. She also serves as a bank officer for HSBC Bank, engaging in the sale of bank-related products alongside her advisory responsibilities. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various discretionary and non-discretionary platforms. The firm employs a multi-model investment approach supported by HSBC Global Asset Management and affiliated providers, and serves clients through assigned Investment Adviser Representatives who handle suitability and ongoing account management.

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.

Manya Bhutani is a financial advisor at Cerity Partners LLC based in San Jose, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Cerity Partners in 2024, Bhutani held roles at Bank of Hope and Internet Brands and completed a decade of full-time education. Cerity Partners advises a diverse client base including high-net-worth individuals, families, trusts, and institutional investors, managing approximately $166.2 billion in client assets as of December 31, 2025. The firm offers customized wealth management services and employs a client-specific investment framework that combines proprietary quantitative methods with third-party strategies and direct security selection.

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.

Anatoly Vilderman is a financial advisor with Osaic Institutions, Inc. in San Mateo, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior roles include positions at Wells Fargo Clearing, J.P. Morgan Securities, and CUSO Financial Services, LP. Outside of his advisory work, he is also involved as an owner of a rental property. Osaic Institutions serves a range of clients including individuals, trusts, estates, and corporate entities by providing customized advisory services, financial planning, and brokerage and insurance products through its network of investment adviser representatives. The firm offers both discretionary and non-discretionary portfolio management and features an integrated model combining advisory, brokerage, and lending solutions.

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.

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.

Honglin Wu is a financial advisor with Citigroup Global Markets Inc. holding a Series 66 designation and three years of industry experience. Prior to joining Citigroup, Wu worked at Morgan Stanley, Moomoo Financial Inc., and Futu Inc. He is based in San Jose, CA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including acting as a security-based swap dealer and futures commission merchant, and provides a broad range of advisory and execution 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.

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.

Steven Wong is a financial advisor with Transamerica Financial Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and with 13 years of industry experience. His career includes roles at Dream Builder Financial and WFGIA, and he has worked at Transamerica Financial Advisors or its affiliates for over a decade. Outside of finance, he is involved with Qantel Technologies Inc., where he has had a long tenure since 1981. Transamerica Financial Advisors serves a wide range of clients, including individuals, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary model portfolios and third-party managers. The firm operates uniquely as both a registered broker-dealer and RIA, supporting its clients with affiliated retirement and recordkeeping services.

Noah Lazenby is a financial advisor at Focus Partners Wealth, LLC, holding a Series 65 designation with one year of industry experience. His prior roles include positions at PacificHQ LLC, J.P. Morgan, Xen, Inc, Silicon Valley Bank, Visa, and the University of California - Santa Cruz. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach with an enhanced open architecture, integrating active and passive strategies and customized portfolio management.

Timothy Salunga is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at TIAA-CREF since 2016. Prior to that, he was with SigFig Wealth Management LLC and TD Ameritrade. Outside of his advisory work, he co-owns a rental condo with his wife. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm distinguishes between time-limited planning services and ongoing portfolio management, operating under a fiduciary standard and utilizing both model and customized portfolios.

Sara Leong is a financial advisor with IEQ Capital, LLC, holding a Series 65 designation and beginning her industry career in 2023. Her prior experience includes roles at Tier One Investments, Stagwell, Inc., DriveWealth, LLC, and the University of Southern California. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals and families, as well as trusts, foundations, endowments, non-profit organizations, and other entities. The firm’s investment process is guided by centralized macroeconomic research and client-specific Investment Policy Statements, using a range of liquid strategies, third-party independent managers, and private alternative investments.

Yanxiao Li is a CFP® and Series 65 credentialed advisor with three years of industry experience. He has worked at Focus Partners Wealth, LLC since 2025 and previously was with Bordeaux Wealth Advisors and Deloitte Tax LLP. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach focused on tax and fee sensitivity, using a combination of active and passive strategies and customized portfolios.