Justin Tao is a financial advisor with Oppenheimer in San Francisco, holding a Series 66 designation and 26 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and UBS Financial Services. Oppenheimer serves individuals—including high-net-worth clients—corporations, pooled vehicles, and retirement plans with a range of advisory programs and services, including discretionary and non-discretionary portfolio management, consulting, and financial planning. The firm employs varied investment approaches depending on the program and advisor, with an emphasis on both strategic and tactical asset allocation.

Spenser Wong is a financial advisor with Eagle Strategies (NY Life) in San Francisco, holding Series 65 and Series 63 licenses and having two years of industry experience. His prior work includes roles at NYLIFE Securities LLC and New York Life Insurance Company, as well as positions outside the financial industry at Philz Coffee and Starbucks Coffee Company. Eagle Strategies serves a diverse client base, including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated representatives. The firm provides advice and solutions across multiple program types, emphasizing tailored recommendations and maintaining a predominantly non-discretionary asset base.

Westin Richmond is a financial advisor at Citigroup Global Markets with a Series 66 credential and over eight years of experience in the financial industry. His prior roles include positions at First Citizens Bank and Trust Company, Abbot Downing, and Wells Fargo Bank. He is based in San Francisco, CA. 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 operates with large institutional scale, providing bespoke discretionary solutions and maintaining roles as a swap dealer and futures commission merchant.

Alexander Jack is a Series 65-licensed financial advisor at IEQ Capital, LLC with eight years of industry experience. He previously worked at First Republic Investment Management, Inc. from 2016 to 2019 before joining IEQ Capital in 2019. IEQ Capital provides discretionary and non-discretionary portfolio management and advisory services primarily to high-net-worth individuals and families, trusts, foundations, and private funds. The firm’s investment approach includes centralized macro and manager research, use of independent managers, and allocation to liquid and private alternative investments, serving clients generally with net worth at or above $10 million.

Long Tran is a CFP® and holds a Series 66 license with 11 years of industry experience. He currently works at Creative Planning and has held prior roles at Compound Planning, Lido Advisors, Bnt Holdings, Mission Wealth Management, and Wells Fargo Advisors. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and offers a financial planning–led investment process featuring low-cost indexing, buy-and-hold strategies, and supplemental approaches like direct indexing and tax-loss harvesting.

Simon Tryzna is a CFA® charterholder and holds a Series 65 license with eight years of industry experience. He is currently a financial advisor at Corient and has previously worked at Palo Alto Wealth Advisors and Clearpath Capital Partners. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and employs risk management tools and alternative investment options where appropriate.

Jonathan Berrios is a financial advisor at Cerity Partners LLC with a Series 65 credential and three years of industry experience. His prior roles include positions at BOS, ASI, Inc., and Iverbe. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm offers a range of services including investment management, financial planning, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolio strategies.

Tara Ellis is a financial advisor with Eagle Strategies (NY Life) in San Mateo, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked with Money Concepts Capital Corp., Minnesota Life Insurance Company, Securian Financial Services, and Compass Capital Management. Outside of her advisory role, she serves on the board of advisors for Heatrx, a pest control company, and is a partner involved in the company’s expansion into Los Angeles County. Eagle Strategies serves a diverse client base including individual investors, institutional sponsors, and retirement plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored advice and manages the majority of its assets on a non-discretionary basis through various program types integrated within the New York Life affiliate structure.

Catherine Layton is a financial advisor at Capital Group Private Client Services, Inc. She holds a Series 65 designation and has been with Capital Group since 2024. Her prior experience includes 15 years at Litman Gregory Asset Management, LLC, as well as roles at the Schurig Center for Brain Injury Recovery and several other organizations. Capital Group Private Client Services, Inc. provides discretionary investment management and related services primarily to high-net-worth individuals and charitable organizations, focusing on relationships with a managed-relationship threshold of $5 million or more. The firm employs a fundamental research-driven, long-term investment approach and utilizes a multi-manager system allocating portfolio segments to individual managers and analysts.

Samantha Lee is a CFA® charterholder with eight years of experience in the financial industry. She has been with IEQ Capital, LLC since 2018 and previously worked at First Republic Bank and the University of California, Berkeley. 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 emphasizes separately managed accounts and alternative investments through a centralized investment process supported by extensive manager research.

Grace Apuy is a financial advisor with Kayne Anderson Rudnick Investment Management, LLC, holding CFP® and Series 66 designations and bringing 18 years of industry experience. Her work history includes positions at Kayne Anderson Rudnick and VP Distributors LLC, as well as a brief tenure at BNY Mellon. Kayne Anderson Rudnick provides discretionary advisory and sub-advisory investment management to a diverse client base, including institutions, charitable organizations, family offices, and individual clients. The firm emphasizes fundamental, quality-oriented equity research and offers a range of strategies across market capitalizations and sectors, serving both direct clients and other investment advisers.

Curt Radetich is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 65 credentials and has 38 years of industry experience. Prior to joining Voya in 2023, he worked at Charles Schwab and TD Ameritrade. Radetich is also an author, having completed a book on financial concepts titled *FUTURE-PROOF WEALTH Strategies*, which is intended for educational purposes only. Voya Financial Advisors, Inc. serves individuals, retirement plans, and corporate clients through financial planning, consulting, and portfolio management services. The firm combines advisory and brokerage capabilities, offering a range of investment strategies and products managed primarily on a non-discretionary basis.

Michael Mangels is a CFP® professional with 13 years of industry experience. He has worked at Wealthspire Advisors since 2024 and previously spent 13 years at Private Ocean. Wealthspire Advisors serves a diverse client base including individuals, corporations, retirement plans, and nonprofit organizations, providing wealth management, financial planning, and trustee services. The firm employs a relationship-driven, customized investment process that emphasizes diversified, institutional-style asset allocation using a mix of mutual funds, ETFs, private funds, and separate account managers.

Eskinder Assefa is a financial advisor with Eagle Strategies (New York Life) in San Francisco, CA. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining Eagle Strategies, he spent 15 years at DiamondTip LLC. Eagle Strategies serves a diverse client base, including individual investors and institutional plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored solutions through multiple program types and primarily manages assets on a non-discretionary basis.

Ariya Pejouhesh is a financial advisor at Oppenheimer with 19 years of industry experience. He holds a Series 66 credential and has previously worked at Morgan Stanley Private Bank, Morgan Stanley, Bank of America, and Merrill. Outside of his advisory role, he manages several rental properties in Sacramento, California. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including portfolio management, consulting, and financial planning. The firm employs a range of investment approaches tailored to different programs and advisors, managing approximately $36.7 billion in assets as of the end of 2025.

Felix Cheng is a financial advisor with Schwab Wealth Advisory in San Francisco, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has been with Schwab Wealth Advisory since 2012 and has an extensive tenure at Charles Schwab dating back to 1997. Outside of his advisory role, Cheng is involved in several real estate ventures, including partnerships in commercial and residential property holdings. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations utilizing Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice without exercising discretionary trading authority over client accounts.

Melody Suehiro is a CFP® professional with seven years of experience in the financial services industry. She has worked at Cerity Partners LLC since 2023, following prior roles at Galileo Planning Group and BNY Mellon. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm uses tailored asset allocation, manager selection, and proprietary quantitative screening to build client programs, and offers a range of services including portfolio management, financial planning, retirement plan consulting, and access to alternative and private-market investments.

Chad Thomas is a financial advisor at Citigroup Global Markets with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Chase & Co. and J.P. Morgan Securities, Inc. prior to joining Citi Private Advisory LLC and Citigroup Global Markets Inc. in 2017. Citigroup Global Markets serves individual and institutional clients across multiple segments, offering diverse investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with a combination of large institutional scale and specialized market roles.

Christopher Fisher is a financial advisor with Cresset Asset Management, LLC, holding a Series 66 designation and four years of industry experience. Before joining Cresset in 2024, he worked at JP Morgan Chase Bank, N.A., J.P. Morgan Securities, First Republic Securities Company, LLC, and First Republic Investment Management, Inc. Prior to his finance career, he spent six years at DoorDash and completed his studies at Denison University. Cresset Asset Management is a multi-disciplinary investment adviser managing approximately $78.9 billion in assets for individuals, high-net-worth clients, trusts, estates, retirement plans, corporations, and pooled investment vehicles. The firm employs a disciplined, risk-aware approach combining strategic asset allocation, manager selection, and active and passive implementation across public equities, fixed income, and alternatives.

Jeffrey Ahrens is a financial advisor at Oppenheimer with 30 years of industry experience. He has been with Oppenheimer since 2005 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee of his personal living trust. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, using strategic and tactical asset allocation alongside various investment strategies tailored to client objectives.