Scott Stewart is a CFP® professional with 14 years of industry experience, currently affiliated with Principal Financial Services. His prior roles include positions at Prudential Insurance Company of America, Lincoln Financial Advisors Corporation, and LPL Enterprise. Outside of his advisory work, he is involved in real estate sales as a licensed assistant at Coldwell Banker Kappel Gateway Realty and works as an insurance agent focusing on fixed life, annuities, disability, long-term care, health, and group benefits. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by third-party managers.

Jane Merkle is a Series 65-licensed advisor at Cerity Partners LLC with one year of industry experience. Prior to joining Cerity Partners in 2026, she held positions at Delegat and various educational institutions, including UC San Diego and Marin Catholic High School. Cerity Partners advises a wide range of clients, including high-net-worth individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in client assets as of late 2025. The firm offers customized wealth management services with a focus on client-specific investment profiles, proprietary quantitative screening, and access to alternative and private market solutions.

Vernon Ng is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and 22 years of industry experience. He has worked at Citigroup since 2011. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and is notable for its large institutional scale and unique market roles, including in-house research and derivatives services.

Furui Guo is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and MetiSign. His background also includes roles outside finance, such as positions at University of California Santa Cruz and Albany Middle/High School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside execution and custody services. The firm combines large institutional scale with specialized market roles, including in-house research, swap dealer operations, and bespoke discretionary solutions for very large clients.

Edward Pope is a financial advisor at RBC Rochdale, LLC in San Francisco, CA, holding Series 63 and Series 65 credentials with 19 years of industry experience. He has worked at Rochdale Investment Management LLC and Rim Securities LLC since 2012 and was previously with Fisher Investments from 2006 to 2012. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs an active, multi-strategy investment process that integrates quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across various asset classes and often collaborating with third-party sub-advisors and independent financial advisors.

William Hageboeck is a CFP® with 18 years of experience in financial advisory. He is currently with Cerity Partners LLC and has previously worked at Abbrea Capital, LLC, GFO Advisory Services, LLC, and CSI Capital Management Inc. Cerity Partners serves a diverse client base including individuals, families, trusts, foundations, endowments, and institutional investors, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services, combining proprietary quantitative methods with third-party strategies and direct security selection, along with access to alternative and private market solutions for qualified clients.

Kenneth Malamud is a financial advisor at HSBC Securities (USA) Inc. with two years of industry experience. He holds a Series 66 designation and has been with HSBC Bank USA, N.A. since 2016, transitioning to HSBC Securities in 2023. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, with multiple program types including client-directed and fully discretionary options. The firm uses a structured investment process with five model risk profiles and partners with affiliated and third-party providers for fund selection and management.

Craige Bertero is a financial advisor at Corient with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at JPMorgan Chase Bank, Columbia Pacific Wealth Management, and CIPW Service Company. He serves as a board member of Proper Voltage, a company that sells industrial-grade batteries. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, trusts, pension plans, and corporate entities. The firm employs a goals-based, team approach that integrates proprietary strategies with third-party solutions and specialized offerings such as family office and trustee services.

Elton Lai is a financial advisor at Schwab Wealth Advisory with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Wells Fargo, Morgan Stanley, and Merrill. Outside of his advisory role, he is developing a mobile wellness application that uses AI to analyze meals and raise awareness of potential long-term glucose impacts. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on asset-allocation models and internal research tools, with trades executed only upon client authorization.

Charles Recchion is a financial advisor at Mercer Global Advisors Inc. with one year of industry experience. He holds a Series 65 designation and previously worked at Point Olema Capital Partners and Cambridge Associates LLC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, offering discretionary and non-discretionary investment advisory services alongside financial, tax, retirement, and estate planning. The firm emphasizes globally diversified, risk-appropriate portfolios using Modern Portfolio Theory and implements investments through low-cost ETFs, index funds, separate account managers, direct indexing, and private funds, supported by a range of specialized programs and client education initiatives.

Nicholas Sterling is a CFP® with nine years of industry experience, currently advising at Oppenheimer. His prior roles include positions at JP Morgan Chase Bank and Charles Schwab. Outside of his advisory work, he is a founding member of Texas Emerging Leaders and works as a fly fishing guide with Napa Valley Fly Guides. Oppenheimer serves a diverse client base including individuals, corporations, and charitable organizations, offering a range of advisory and brokerage services with both discretionary and non-discretionary approaches. The firm manages equity, balanced, and fixed-income portfolios using asset allocation and manager selection strategies while maintaining custody of client assets.

Jinai Chen is a financial advisor at Schwab Wealth Advisory with eight years of industry experience. Chen holds Series 66 and Series 63 licenses and has worked previously at Wells Fargo and Pandora Jewelry. Outside of financial advising, Chen is involved in providing in-home support services to eligible aged, blind, and disabled individuals in California. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.–referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset-allocation models and internal research tools.

Eric Chang is a CFA® charterholder with 14 years of experience in the financial industry. He currently works at Cerity Partners LLC, where he has been since 2021, following prior roles at Bingham, Osborn & Scarborough LLC and Zions Bancorporation, N.A. He is based in San Francisco, CA. Cerity Partners serves a wide range of clients including individuals, families, trusts, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets. The firm offers customized wealth management services and integrates proprietary quantitative methods with third-party strategies and direct security selection, including alternative and private market solutions for qualified clients.

Hannah Van Essen is a financial advisor at Mercer Global Advisors Inc. with a Series 65 credential and less than one year of industry experience. Prior to joining Mercer, she was involved with several organizations, including The Phoenix Student Literary Magazine, Galileo Learning, and Immigrant Hope. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments, providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach uses globally diversified, risk-appropriate portfolios combining low-cost ETFs, index funds, separate account managers, and private funds, supported by educational content and specialized service lines.

Elias Gracia Ruiz is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has worked at Citigroup since 2022. Prior to his financial career, he was affiliated with Swarthmore College and Helix Charter High School. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and provides specialized roles such as swap dealer and futures commission merchant, supporting a broad spectrum of client needs.

Emily Taken Vertz is a CFP® with nine years of industry experience, currently serving as a financial advisor at Cerity Partners LLC since 2021. She previously worked at B|O|S and Brouwer & Janachowski, LLC. Based in San Francisco, CA, she holds the Series 65 license in addition to her CFP® credential. 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 as of December 31, 2025. The firm offers customized wealth management services that combine quantitative screening, manager selection, and direct security selection, with access to alternative and private market solutions and affiliated businesses that provide expanded in-house service options.

Isaac Dayley is a financial advisor with Money Concepts Capital Corp in San Francisco, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked at Money Concepts Capital Corp since 2016 and is also the owner and operator of Dayley Schmiedl LLC, a marketing, talent management, and media consulting business. Additionally, he is involved with Nashville CBD Solutions, a retail health products store, and provides consulting services to other non-investment-related businesses. Money Concepts Advisory Service (MCAS) offers portfolio management, financial planning, and consulting services to individuals, pension plans, trusts, charitable organizations, and corporations. The firm manages approximately $3.33 billion across multiple managed programs, employing a range of investment strategies including model portfolios and third-party sub-advisers.

Alvin Liang is a financial advisor at Voya Financial Advisors, Inc. with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Stifel Nicolaus & Co. Inc. and Sequoia Equities Securities Corp. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of services including financial planning, portfolio management, unified managed accounts, and retirement-plan advisory services, utilizing model portfolios and technology-enabled tools to support mostly non-discretionary client relationships.

Anthony Tsang is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at firms such as LPL Financial, Strategic Wealth Advisors Group, and Associated Planners Investment Advisory Inc. He is currently affiliated with Msec, LLC as well. Private Advisor Group serves a diverse clientele including individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm offers a range of services from portfolio management and financial planning to access to proprietary and third-party managed account solutions, employing a fiduciary-based advisory model that utilizes various investment strategies and technology platforms.

Sergei Perepechenov is a financial advisor with Wealthspire Advisors in San Rafael, CA. He holds a Series 65 credential and has one year of industry experience. His prior experience includes roles at New York Life Insurance Company and AMT LLC, along with two years as a self-employed advisor. Wealthspire Advisors LLC is an SEC-registered investment adviser managing approximately $34.3 billion in assets for around 9,700 clients. The firm serves individuals, corporate and pension plans, nonprofits, and foundations using an institutional-style asset allocation framework and offers services including wealth management, portfolio management, and retirement-plan consulting.