Liyun Chi is a financial advisor at Citigroup Global Markets with 29 years of industry experience. She has been with Citigroup Global Markets since 2007 and holds Series 63 and Series 66 credentials. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a variety of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies and is notable for its large institutional scale combined with unique market roles such as operating as a swap dealer and futures commission merchant.

Terrance Chen is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 credentials and four years of industry experience. He has held positions at several firms including HSBC Securities, HSBC Bank USA, ICBC (USA), and Cetera Investment Services. Citigroup Global Markets Inc. serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

Mia Ros is a financial advisor with HSBC Securities (USA) Inc. in Irvine, CA, holding Series 63 and 66 licenses and having seven years of industry experience. She has worked with HSBC and its affiliates since 2017, including roles at HSBC Bank USA National Association as a bank officer, alongside her registered representative duties. Mia previously worked at Premier Healthcare Services and Bank of the West. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a range of client-directed and discretionary options. The firm uses a five-profile investment process and collaborates with HSBC Global Asset Management and other affiliated providers for fund selection and portfolio management.

Blanca Intriago is a CFP® professional with over 32 years of experience in the financial industry. She has been with Centaurus Financial, Inc. since 2017 and previously worked at LPL Financial for eight years. Centaurus Financial, Inc. provides advisory and brokerage services to a wide range of clients including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory management of annuity and variable life sub-accounts.

Darren Grossman is a CFP® professional with 15 years of industry experience, currently serving as an advisor at Centaurus Financial, Inc. since 2017. His prior experience includes roles at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. He is also principal of CGM Risk Management and Insurance Services LLC, where he engages in property and casualty insurance services and carrier trainings. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, and institutional entities. The firm offers a range of financial planning and portfolio management solutions through platforms such as CLASSIC Plus, with discretionary and non-discretionary arrangements tailored to client needs.

Kylee Bowden is a financial advisor with Primerica Advisors who holds a Series 66 designation and has six years of industry experience. Her work history includes roles at Park Avenue Securities, Guardian Life Insurance, and Wells Fargo Advisors. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and fee-based advisory services, employing a mix of proprietary and third-party investment strategies alongside financial planning and business consulting.

Joseph Gieser is a financial advisor with Independent Financial Group, LLC and holds a Series 66 designation. He has four years of industry experience, including prior roles at Crown Capital Securities, Lp and Xanterra. In addition to his advisory work, Gieser serves as Vice President of CAPS Management, where he is involved in tax preparation and accounting services. Independent Financial Group, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional accounts. The firm employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence to develop tailored investment strategies across a range of risk profiles.

Benjamin Wada is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 65 and Series 66 licenses and 25 years of industry experience. His prior roles include positions at Householder Group Estate & Retirement Specialists and LPL Financial. He is also an insurance agent with SB Group, Inc. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Kevin Mcdaniel is a financial advisor with Transamerica Financial Advisors in Orange, CA, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His professional background includes roles in estate planning, mortgage lending, and insurance sales, along with educational positions such as adjunct business management instructor at Platt College Los Angeles and instructor at International Education Corporation. He also works with online estate planning and health insurance services through affiliated companies. Transamerica Financial Advisors serves a diverse client base including individual investors, retirement plans, trusts, and charitable organizations. The firm offers advisory and broker-dealer services featuring proprietary and third-party model portfolios, with discretionary and non-discretionary options, and manages over $2 billion in client assets.

Karen Lomas is a Series 66 licensed financial advisor with nine years of industry experience. She is currently with Principal Financial Services, where she has worked since 2021, following five years at Securian Financial Services. Outside of her advisory role, she holds leadership positions in several organizations, including serving as Chairperson for Business Owner Education at the Santa Fe Springs Chamber of Commerce, Membership Chair for Women in Manufacturing–Los Angeles, and President of the Rotary Club of Norwalk/Santa Fe Springs. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory services emphasize direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions delivered through various advisory and promoter arrangements.

Joan Huang Evans is a financial advisor with Eagle Strategies (NY Life) based in Irvine, CA. She holds Series 63 and Series 65 licenses and has 35 years of industry experience. She has been with Eagle Strategies since 2016 and has been associated with New York Life and NYLIFE Securities LLC since 2015. Outside of her advisory work, she invests personally in cryptocurrency such as Bitcoin and Ethereum. Eagle Strategies serves a diverse range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides multiple program types tailored to client objectives and emphasizes a predominantly non-discretionary asset management approach.

Clifford Kim is a financial advisor at Guardian Life with 24 years of industry experience and holds a Series 66 designation. His career includes 14 years at Prudential Insurance Company of America and recent roles at Park Avenue Securities and Guardian Life. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with a range of brokerage services, financial planning, and investment advisory programs.

Douglas Eaton is a financial advisor with Morgan Stanley in Brea, California, holding a Series 63 designation and bringing 38 years of industry experience. He has been with various Morgan Stanley entities since 1998, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Christopher Caira is a financial advisor with MassMutual Investors Services in Los Alamitos, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with MML Investors Services and MassMutual Life Insurance Company since 2003. Outside of his advisory role, he is a co-owner of rental property businesses with his brother. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering a variety of investment and insurance solutions.

Kenneth Ibbetson is a financial advisor with Wells Fargo Clearing in Brea, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is the sole owner of Nature's Realm, a business unrelated to his investment work. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets with more than 14,000 financial advisors.

Tewodros Lamma is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JP Morgan Securities, LLC and JP Morgan Chase Bank. Outside of his advisory role, he is a 50% owner of an online retail business, Addis T & B, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Herzog is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. His prior roles include positions at Liberty Capital Strategists, Inc., Doma, Inc., and other firms. Outside his advisory work, he is the founder and CEO of Herzog Investment Management, where he provides personalized financial planning and investment management services, and he also works as an independent Uber driver. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and offers integrated brokerage and advisory services, financial planning, and access to multiple third-party investment platforms.

Huan Bin Lee is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at notable firms including Merrill, Wells Fargo Advisors, and Morgan Stanley Private Bank. He is based in Brea, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and secular return estimates to support its financial planning process.

Shelley Chidley is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2005. Outside of her advisory role, she serves on the board and the development and financial committee of Saints Simon and Jude School in Huntington Beach, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Kevin Qin is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, N.A., and Merrill, as well as time spent at the University of California and Arcadia High School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients.