Hoilun Tam is a financial advisor with HSBC Securities (USA) Inc. in San Francisco, CA, holding Series 66 and Series 63 licenses and seven years of industry experience. His prior roles include positions at Cetera Investment Services LLC, East West Bank, and JPMorgan Chase Bank, N.A. Tam’s background includes a diverse work history with experience in both financial services and other sectors. HSBC Securities (USA) Inc. provides managed account programs to a broad range of clients, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment options, utilizing model risk profiles and collaborating with HSBC Global Asset Management and other affiliates for fund selection and portfolio monitoring.

Sidney Olayinka is a financial advisor with Cerity Partners LLC, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Cerity Partners, Sidney worked at First Citizens Bank, SVB Wealth LLC, PricewaterhouseCoopers Advisory Services LLC, and Boston Private Wealth LLC. 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 assets. The firm offers tailored wealth management services focused on client-specific investment profiles, combining quantitative screening, manager selection, and direct security selection, along with access to alternative and private market solutions for qualified clients.

Tony Wang is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 licenses and bringing 26 years of industry experience. His career includes 17 years at Fisher Investments and multiple tenures at Citigroup entities since 2002. Citigroup Global Markets serves individual and institutional clients across high-net-worth and ultra-high-net-worth segments with multi-asset, multi-manager investment strategies. The firm offers a range of advisory programs and broker-dealer services, leveraging its institutional scale and unique market roles.

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.

James Garner is a financial advisor at PlanMember Securities Corporation with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fidelity Investments, MassMutual, and Cambridge Investment Research. Outside of his advisory role, he serves as Field Service Manager for several benefit associations supporting fire fighters and law enforcement personnel. PlanMember provides retirement-plan advisory services to employers and plan participants, offering ERISA Section 3(38) fiduciary services and participant-level investment options. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Eric Goodbar is a CFA® charterholder and holds the Series 66 designation, with two years of industry experience. He is currently with Citigroup Global Markets, having previously worked at BNY Mellon and its affiliated entities from 2005 to 2022. 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 acting as a swap dealer and futures commission merchant.

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.

Xinyi Huang is a financial advisor at Rockefeller Financial LLC with five years of industry experience. She holds the Series 66 designation and has worked at firms including J.P. Morgan Securities, First Republic Investment Management, Bank of America, and Merrill. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers a range of portfolio management, financial planning, and consulting services, operating as both an investment advisor and a registered broker-dealer with capabilities in securities transactions, variable insurance products, placement, and investment banking.

Manuel Lugo Garcia is a CFP® and holds a Series 65 license with nine years of industry experience. He is currently with Mercer Global Advisors Inc. and has previously worked at Parallel Advisors, Destination Wealth Management, Golub Group, and Polaris Greystone. Mercer Global Advisors serves individuals and families, small business owners, plan sponsors, foundations, and non-profits by providing investment advisory, financial, tax, retirement, and estate planning services. The firm’s investment approach is based on Modern Portfolio Theory, offering globally diversified portfolios with multi-factor tilts using a range of investment vehicles including ETFs, index funds, and private funds.

Stephen Meuris is a financial advisor with Independent Financial Partners in San Francisco, CA, holding Series 63 and Series 66 credentials and 22 years of industry experience. He previously worked at LPL Financial, LLC for 10 years before joining Independent Financial Partners in 2022. He also operates Rockwood Wealth Management, providing financial planning and investment management services. Independent Financial Partners delivers investment advisory, financial planning, trust, and retirement-plan services through a network of independent advisers across the U.S. The firm is noted for its formal retirement-plan advisory and pension consulting capabilities, including ERISA 3(21) and 3(38) services, and offers flexible investment management options with centralized oversight.

Jenny Yu is a financial advisor with Eagle Strategies (NY Life) in San Francisco, holding a Series 66 designation and 18 years of industry experience. She has been with Eagle Strategies, Nylife Securities LLC, and New York Life Insurance Company since 2010. Outside of her advisory role, she serves as vice president of Relationship Business Integrators, a business networking group, and holds officer positions with San Francisco Business Allies and the San Francisco Unified Lions Club Foundation. Eagle Strategies serves a diverse group of individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a network of affiliated representatives. The firm offers multiple program types tailored to client and plan sponsor needs, with the majority of assets managed on a non-discretionary basis.

Caroline Weis is a CFP® and CFA® with four years of industry experience. She has been with TIAA-CREF since 2025 and has a long history at TIAA dating back to 2003. Based in San Francisco, CA, she currently serves as a financial advisor within this enterprise firm. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers a mix of point-in-time planning and ongoing discretionary management, utilizing model portfolios or customized portfolios managed under client-approved investment policies.

Ron Guidi is a financial advisor at Oppenheimer with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Rockefeller Capital Management, Rockefeller Financial LLC, Liberty Group, Robertson Stephens, Deutsche Bank Securities, and other firms. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and pooled investment vehicles. The firm offers a wide range of programs and advisory services that include equity, balanced, and fixed-income portfolios with both discretionary and non-discretionary management approaches.

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.

Stacy Sanders is a financial advisor with Eagle Strategies (NY Life) based in San Francisco, CA. She holds Series 66 and Series 63 licenses and has two years of experience in the industry. Prior to joining Eagle Strategies, she worked at NYLIFE Securities LLC and New York Life, and she has seven years of experience in real estate with Coldwell Banker Realty. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations across multiple program types and manages the majority of its assets on a non-discretionary basis.

Helio Prado is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds a Series 66 designation and has worked at Citigroup Global Markets since 2007. Based in San Francisco, CA, he advises clients within a large enterprise firm. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional capabilities, including in-house research and roles as a swap dealer and futures commission merchant.

Madeleine Frost is a financial advisor with RBC Rochdale, LLC, holding a Series 66 designation. She has approximately one year of industry experience, with prior roles at CNR Securities, LLC and Thornburg Investment Management. Her background also includes work in diverse sectors such as hospitality and retail. RBC Rochdale serves a wide range of clients, including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment approach that integrates quantitative and fundamental analysis, utilizing proprietary tools and a variety of asset classes to tailor portfolios to client Investment Policy Statements.

Clarence Ho is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Schwab Wealth Advisory Inc. since 2012 and has worked at Charles Schwab & Co., Inc. since 2000. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s services emphasize asset allocation and investment selection based on proprietary models and research tools, with trades executed only upon client authorization.