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 CFA® charterholder with five years of experience in the financial services industry. He is currently an advisor at Schwab Wealth Advisory, Inc. and has previously worked at Charles Schwab and TD Ameritrade. Outside of finance, he is the owner of two real estate-related businesses, Demeir Investments LLC and Demeir Home Solutions LLC, where he manages all operations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach is based on Charles Schwab & Co.’s asset allocation models and research tools, with tailored recommendations and at-least-annual reviews to align with clients’ goals and risk tolerance.

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 designations and bringing 23 years of industry experience. She has previous experience with NPB Financial Group, LLC and operates LNL Retirement, LLC. Larson also serves as Chief Operations Officer and board member of 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 institutional plans. The firm combines strategic asset allocation and multi-manager portfolios using both firm and third-party models to implement tailored client strategies across varying risk profiles.

Bettina Marie Banzon is a financial advisor with Citigroup Global Markets who holds a Series 66 designation and has one year of industry experience. Her prior work includes a brief tenure at Morgan Stanley and involvement with Bomber Eyewear. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and broker-dealer execution and custody services. The firm integrates internal standards and oversight committees to select and monitor investment managers and provides solutions that include discretionary and non-discretionary accounts, mutual funds, ETFs, alternative funds, and digital asset exposure.

Dalal Sallman is a financial advisor at HSBC Securities (USA) Inc. with 21 years of industry experience. She holds Series 63 and Series 66 licenses 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 a range of client-directed and discretionary strategies. The firm combines strategic and tactical asset allocation with global fund due diligence and serves a broad client base through several program types, including an offshore offering for qualified non-resident aliens.

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.

Richard Sandoval is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with several firms, including World Financial Group and American Funding Center, and operates a small accounting and tax practice serving several hundred clients. Additionally, he serves as a representative payee for his disabled son’s Social Security and in-home supported services. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individual investors, employer-sponsored plans, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory approach and offers multiple program platforms such as Transamerica ONE and TFA365.

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 Goldfader is a financial advisor at Sanctuary Advisors, LLC with 35 years of industry experience. He holds a Series 63 designation and has worked at UBS Financial Services, Wells Fargo Clearing, and Sanctuary Securities. Outside of finance, he is co-owner of a local market in La Quinta, California, that sells Mexican food and plants. Sanctuary Advisors, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, trusts, and charitable organizations. The firm supports independent advisors with a variety of portfolio management options and employs multiple investment approaches while acting as a fiduciary under written advisory agreements.

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 Guardian Life and Park Avenue Securities, holding a Series 66 designation and 28 years of industry experience. Her career includes roles at Mass Mutual Investors Services and Osaic FA, Inc. She is also a faculty member teaching the Living Balance Sheet software and its underlying philosophy. Park Avenue Securities, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary management using model portfolios and hybrid digital advisory solutions.