Viviana Ramirez is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at First Republic Bank, JPMorgan Chase Bank, and Northwestern Mutual. Ramirez is based in Pasadena, CA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research and derivatives services.

Michael Laubenstein is a CFP® and holds a Series 66 license with 21 years of industry experience. He is currently with Capital Group Private Client Services, Inc., where he has worked since 2026. Prior to this, he spent 17 years at First Republic Securities Co./First Republic Trust Co. and three years at Northern Trust Securities, Inc./Northern Trust Bank in various advisory roles. Capital Group Private Client Services primarily provides discretionary investment management to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach called the “Capital System” along with separately managed account programs, mutual funds, ETFs, and access to private-equity and alternative strategy funds.

Michael Jaquez is a financial advisor at D.A. Davidson & Co. with credentials including the Series 66 designation. He began his advisory career in 2022 and has held positions at Edward Jones, New York Life, and Team Financial Partners. Outside of finance, he has worked in various roles including at Brookside Golf Course and in education at California State University of Los Angeles. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, offering ERISA retirement plan advisory, comprehensive financial planning, and wealth management programs. The firm operates under fiduciary standards and also serves as a municipal advisor, distinguishing it from many large enterprise advisers.

Jin Mun Low is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, Joymode Inc., and Standard Chartered Bank. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Nicolas Bazarevitsch is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Valic Financial Advisors since 2013 and also holds a position as an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants, offering managed-account programs, financial planning, and brokerage services through its broker-dealer operations.

Michael Chen is a CFA® charterholder and holds a Series 65 license, currently serving as a financial advisor at Capital Group Private Client Services, Inc. in Los Angeles, with six years of industry experience. His prior roles include positions at First Foundation Advisors, RVW Wealth, and Suntrust Advisory Services. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager approach known as the “Capital System” and emphasizing fundamental research and a long-term investment horizon.

Jing Wu is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. Wu has been with Transamerica since 2012 and is also involved in various non-investment activities, including serving as an independent facilitator advocating for individuals with disabilities and participating on the board of a nonprofit supporting the disabled community. Additionally, Wu is engaged with the Franklin Foundation and provides in-home support services for family members with special needs. Transamerica Financial Advisors serves a broad client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers a variety of advisory and brokerage services featuring proprietary and third-party investment models, with program choices that can be discretionary or non-discretionary.

Arleta Hacopian is a Series 66 licensed financial advisor with seven years of industry experience, currently affiliated with Commonwealth Financial Network. She has been with Advisory Group West since 2003. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm provides a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Mark Chen is a CFP® and ChFC® credentialed financial advisor with 14 years of industry experience. He currently works at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., where he has been employed since 2022. His prior experience includes roles at The Leaders Group, Vanbridge, Unionbanc Investment Services, and Edward Jones. HSBC Securities (USA) Inc. provides managed account programs to various clients, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a range of client-directed and discretionary portfolio solutions supported by global asset management resources and emphasizes suitability assessments and ongoing portfolio monitoring through assigned Investment Adviser Representatives.

Raquel Alegria is a Series 66-licensed financial advisor with GWN Securities Inc. in Pasadena, CA, bringing one year of industry experience. She has held roles at GWN Securities and contributed as a freelance writer for UltiWorld, covering Ultimate Frisbee. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs, employing a mix of affiliated and unaffiliated sub-advisers and model-based allocations grounded in asset allocation and Modern Portfolio Theory. The firm is notable for its use of market-timing and momentum-based strategies within several legacy programs.

Susannah Emami is a financial advisor at Capital Group Private Client Services, Inc. with 12 years of industry experience. She has worked at several firms, including Capital Bank & Trust Company, Alliance Bernstein, and KLS Advisors. Emami holds Series 65 and Series 63 credentials and is based in Los Angeles, CA. Capital Group Private Client Services primarily provides discretionary investment management to high-net-worth individuals and charitable organizations, employing a multi-manager approach through separately managed accounts, mutual funds, ETFs, and alternative strategy funds.

Bernard Reina is a financial advisor at Citigroup Global Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Citigroup Global Markets since 2007. Outside of his advisory role, he is involved in operating a high-end car wash and detailing business and is the founder and president of a nutrition and health company. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies with a combination of discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Shuiwah Li is a financial advisor with HSBC Securities (USA) Inc., holding Series 66 and Series 63 designations and bringing 28 years of industry experience. Li has been with HSBC Bank USA, N.A. and HSBC Securities since 2005, totaling 21 years at the firm. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment platforms. The firm employs a structured investment process with multiple risk profiles and utilizes both affiliated and third-party providers for advisory, fund selection, and administrative services.

Benjamin Uribe is a financial advisor at Citigroup Global Markets with a Series 66 designation and five years of industry experience. He has worked at Citigroup since 2013 and concurrently serves in the U.S. Air Force. 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 swap dealer and futures commission merchant activities.

Julian Driver is a financial professional at VALIC Financial Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Mission Wealth Management and New York Life Insurance Company. Outside of his main role, he is involved with financial planning and insurance activities through LA Pension Planners and LA Wealth Partners. VALIC Financial Advisors primarily serves U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and consulting services through a large network of advisors and utilizes discretionary unified managed accounts with tax-aware and ESG overlay options.

Sirorat Lertsangpetch is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and nine years of industry experience. Prior to joining Transamerica in 2017, she worked at Swipetec and Summer Buffalo, and she has been associated with World Financial Group since 2013. She is also involved in the sale of insurance and non-insurance products for companies affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services, offering fee-based wrap programs, access to third-party money managers, and commission-based products through a combination of proprietary and third-party model portfolios.

Jenning Chen is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and 66 licenses and 21 years of industry experience. He is also involved in multiple insurance-related ventures, including operating Strategic Horizon and Jenstar Financial and Insurance, where he sells fixed and health insurance products. His career includes roles at Ameritas Investment Corp, Capstone Financial Group, and Lion Street. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, offering asset management, retirement plan advisory, and financial consulting through a variety of platforms and investment options. The firm is part of a mutual holding company with affiliated broker-dealer, insurance, and investment entities, broadening available investment strategies.

Ivy Fai Chan Wang is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 66 licenses. She has 13 years of industry experience with prior roles at J.P. Morgan Securities, Bank of America/Merrill Lynch, and Citigroup. She also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities (USA) Inc., where she engages in the sale of bank-related products alongside her advisory duties. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm provides a range of programs, from client-directed to fully discretionary portfolios, utilizing strategic and tactical asset allocation in collaboration with HSBC Global Asset Management and other affiliated providers.

Kawin Thoncompeeravas is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has concurrent roles in several other businesses, including ownership of landscaping and commercial cleaning services. Transamerica Financial Advisors serves a diverse client base ranging from individual investors to institutional clients, offering both advisory and broker-dealer services with a variety of proprietary and third-party investment programs.

Aaron Digiamarino is a Series 66-licensed advisor with Independent Financial Group, LLC, based in Diamond Bar, CA. He joined the firm in 2026 and has prior work experience with Crossroads Equipment Lease & Finance from 2020 to 2025. 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 employs a combination of strategic asset allocation and multi-manager portfolios, offering both active and passive investment exposures through various platforms and third-party managers.