Cindy Chen is a financial advisor with HSBC Securities (USA) Inc. based in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at HSBC Securities since 2013 and HSBC Bank USA since 2016, and previously spent seven years at Merrill. HSBC Securities (USA) Inc. provides managed account programs to individual, retirement, charitable, and corporate clients, offering both client-directed and fully discretionary options with a structured investment process supported by HSBC Global Asset Management and affiliated advisory resources.

Micah Frankel is a financial advisor with SPC based in Irvine, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Parkland Securities since 2014 and has been involved with Precision Wealth Financial & Insurance Services since 2001. Frankel is also a 50% owner and board member of Complex Healthcare Solutions, where he contributes to sales team development and operational improvements. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets through a network of over 460 advisers. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services, offering both discretionary and nondiscretionary investment solutions.

Travis Banks is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. He has worked within the Charles Schwab organization since 2022 and previously held roles at TD Ameritrade. Outside of finance, he owns and manages Demeir Investments LLC and Demeir Home Solutions LLC, entities involved in real estate activities. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its wealth advisory program, delivering guidance based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Paul Pendorf II is a financial advisor with Independent Financial Group, LLC and holds Series 63 and Series 65 credentials. He has 33 years of industry experience, including roles at Massachusetts Mutual Life Insurance Company and self-employment since 1994. He serves as secretary on his condominium association’s board of directors. Independent Financial Group provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm uses a combination of firm- and third-party models to develop tailored client strategies with a mix of active and passive portfolio exposures across various risk profiles.

Lianne Larson is a financial advisor with Independent Financial Group, LLC in Irvine, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Independent Financial Group since 2022 and concurrently holds leadership roles at LNL Retirement, LLC and NPB Financial Group, LLC. Larson also serves as Chief Operations Officer and board member at KDM Meridian. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and retirement plans. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence using both passive and active investment exposures.

Dalal Sallman is a financial advisor at HSBC Securities (USA) Inc. with 21 years of industry experience. She holds Series 66 and Series 63 designations and has worked at HSBC Bank USA N.A. since 2014. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, using various managed account types and investment model risk profiles. The firm combines strategic and tactical asset-allocation advice with ongoing fund due diligence and provides both discretionary and client-directed portfolio management.

Anil Patel is a financial advisor at HSBC Securities (USA) Inc. with 25 years of industry experience. He holds a Series 66 designation and has worked at HSBC Securities since 2013, as well as at HSBC Bank USA, N.A. since 2016. Prior to that, he held positions at Banc of America Investment Services and Morgan Stanley DW Inc. Patel also serves as a Bank Officer for HSBC Bank USA, an affiliate of HSBC Securities, where he engages in the sale of bank-related products and services alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm employs multiple program types ranging from client-directed accounts to fully discretionary portfolios, using model risk profiles and a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management.

Scott Sargent is a CFP® with 32 years of experience in the financial industry. He has worked at &PARTNERS since 2026 and previously spent 16 years with Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he manages his mother’s investment accounts under a power of attorney. &PARTNERS serves a diverse client base that includes high-net-worth individuals, institutions, and private businesses. The firm offers a range of investment management and financial planning services using a combination of fundamental, technical, and quantitative analysis, and supports both discretionary and non-discretionary account management.

Owen Galasso III is a financial advisor at Sanctuary Advisors, LLC with 26 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for 12 years before joining Sanctuary Advisors and Sanctuary Securities in 2025. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, estates, and charitable organizations. The firm supports its network of more than 400 independent investment adviser representatives with a range of portfolio management options, financial planning, and retirement consulting services.

Rachelle Fragnito Dufault is a financial advisor with Goldman Sachs Wealth Services in Newport Beach, CA, holding a Series 66 designation and bringing 28 years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2021 and previously spent 25 years with The Ayco Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including high-net-worth individuals and institutional clients. The firm utilizes centralized investment resources and integrated solutions across affiliated entities to deliver tailored wealth management services.

Kelly Clyde is a Certified Financial Planner® with 22 years of industry experience. He has been with Independent Financial Group, LLC since 2009 and previously worked at Morgan Stanley DW Inc. He serves as a board member for Good Boy Golf LLC and volunteers on the board of the LIFT Foundation, a local nonprofit where he helps plan and execute major annual events. 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 plans, and charitable organizations. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing manager due diligence, offering both passive and active investment options tailored to client risk tolerances.

Michele Sarna is a financial advisor at Beacon Pointe Advisors, LLC with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Beacon Pointe and its affiliated entities since 2017, as well as at Purshe Kaplan Sterling Investments and Integrated Wealth Management, Inc. Outside of her advisory role, she is a licensed insurance agent involved in the sale of life and accident/health insurance products. Beacon Pointe Advisors provides investment advisory and consulting services to a broad range of individual and institutional clients, utilizing a combination of third-party independent managers selected through a formal due-diligence process. The firm offers discretionary wealth management, financial planning, retirement plan consulting, and outsourced CIO solutions, and sponsors proprietary investment vehicles including private funds and a registered interval fund.

Adam Hancock is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with several organizations, including LegacyShield Solutions, Inc., and the Freedom To Live Foundation, where he serves as a consultant and mentor for independence training programs for spinal cord injured individuals. Additionally, he is involved with the Student Debt Solution Center, assisting clients in identifying appropriate government repayment plans for their student loans. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, estates, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement investment strategies across multiple platforms such as Transamerica ONE and TFA365, managing regulatory assets of approximately $1.7 billion.

Ray Valencia is a financial advisor at Centaurus Financial, Inc. in Irvine, CA, holding a Series 66 designation with 15 years of industry experience. His prior roles include positions at LPL Enterprise, The Prudential Insurance Company of America, and Kovack Securities, among others. Outside of his advisory work, Valencia is active as a licensed insurance agent specializing in life, long-term care, disability, and health insurance and owns Valencia Wealth Management LLC. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and institutions. The firm offers financial planning and portfolio management through its CLASSIC Plus platform, utilizing a range of investment strategies and both discretionary and non-discretionary account management.

Michael Hughes is a financial advisor with J. W. Cole Advisors, Inc., holding a Series 63 designation and bringing 39 years of industry experience. He has been with J.W. Cole Advisors since 2015 and has been associated with J.W. Cole Financial, Inc. since 2013. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, retirement plans, and other entities through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, implementing investment decisions through discretionary or non-discretionary approaches.

Christine Kapp is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and bringing 23 years of industry experience. She worked at The Ayco Company, L.P./Mercer Allied Company, L.P. for 18 years before joining Goldman Sachs in 2021. Goldman Sachs Wealth Services advises a broad client base, including individual investors, corporate and employer-sponsored participants, executives, plan sponsors, and institutional clients. The firm offers tailored financial planning and portfolio management, integrating resources from across the Goldman Sachs ecosystem and employing advanced analytical tools and strategic allocation models.

Eileen Rice is a financial advisor with Primerica Advisors and holds a Series 66 designation. She has 27 years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she teaches aspects of the Living Balance Sheet software and its underlying philosophy as a faculty member. Park Avenue Securities LLC serves a broad retail client base, offering brokerage and advisory services alongside financial planning and retirement consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level features such as lending solutions and tax management.

Peng Wang is a financial advisor with Citigroup Global Markets, holding Series 66 and Series 63 licenses and possessing five years of industry experience. Prior to his current role, he worked at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., TD Ameritrade, and China Merchant Bank. He also has experience in the United Army Reserve and has been affiliated with Washington University in St. Louis. 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 and operates with institutional scale, in-house research capabilities, and unique market roles such as serving as a swap dealer and futures commission merchant.

Charles Kerprich is a financial advisor with Goldman Sachs Wealth Services holding a Series 66 designation and currently has one year of industry experience. His background includes roles at Goldman Sachs & Co. LLC and involvement with organizations such as Upper Dublin Parks & Recreation, Rolling Green Golf Club, and The 1912 Club. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, delivering financial planning, portfolio management, and specialized wealth programs. The firm integrates strategic allocation models and proprietary analytics across its advisory teams, leveraging the broader Goldman Sachs ecosystem to offer a wide range of services and investment solutions.

Kathleen Fox is a financial advisor with Eagle Strategies (New York Life) based in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior roles include positions at Anacapa Advisors, LLC and Burke & Quick Partners, as well as periods of self-employment. Outside of her advisory work, she serves on the board of the Kappa Kappa Gamma Sorority’s Delta Gamma Chapter, overseeing financial operations, and holds an officer role with the June Lake Loop Performing Arts Association, supporting cultural and arts initiatives. Eagle Strategies serves a diverse client base including individuals, retirement plans, and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of investment adviser representatives. The firm offers multiple program types and focuses on tailored recommendations, with the majority of assets managed on a non-discretionary basis.