Heidi Lau is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked at HSBC Securities and its affiliate HSBC Bank USA, N.A. since 2016. In addition to her advisory role, she serves as a Bank Officer for HSBC Bank (USA) N.A., where she is involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various platforms, including client-directed and fully discretionary offerings. The firm combines strategic and tactical asset allocation with fund due diligence and ongoing monitoring, serving a broad client base with both discretionary and non-discretionary portfolio options.

Douglas Kilroy is a CFP® and holds a Series 66 license with four years of industry experience. He has worked at Capital Group Companies and its Private Client Services division since 2019, following four years at SmartBiz Loans. Kilroy is based in San Francisco, CA. Capital Group Private Client Services provides discretionary investment management primarily to high-net-worth individuals and charitable organizations, utilizing a multi-manager investment approach that emphasizes fundamental research and a long-term horizon. The firm offers access to separately managed accounts, mutual funds, ETFs, and certain private-equity and alternative strategy funds.

Bita Nekoomaram is a financial advisor at Citigroup Global Markets with 20 years of industry experience. She has been with Citigroup Global Markets since 2007 and holds a Series 66 designation. Additionally, she is the owner of HAFIZI LLC, an entity created to hold rental property for which she devotes limited time outside of securities trading hours. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, supported by internal standards and oversight committees.

Vipin Saraf Valappil Narayanan is a financial advisor at Transamerica Financial Advisors with one year of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Sybase, an SAP company, for 22 years. He is also involved in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations through a combination of advisory and broker-dealer services. The firm offers proprietary and third-party investment model portfolios and manages both discretionary and non-discretionary accounts.

Keith Gentry is a financial advisor with Citizens Securities, Inc. in San Francisco, holding a Series 66 designation and 14 years of industry experience. His career includes multiple roles at Citizens Securities, Inc. and Clarfeld. Outside of his advisory work, he plays drums in a band called The Felt. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm operates both digital and managed account advisory programs while maintaining broker-dealer and insurance agency activities.

Sang Le is a financial advisor at Citigroup Global Markets with 23 years of industry experience. He has held his current position since 2007. Outside of his advisory work, he owns a rental property in Castro Valley, California. Citigroup Global Markets 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 through discretionary and non-discretionary programs, and maintains roles as a swap dealer and futures commission merchant.

Chinghui Lin is a financial advisor with Transamerica Financial Advisors in Pleasanton, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. Lin has been with Transamerica Financial Advisors since 2012 and is also CEO and President of RichieMax Consulting Inc. outside of the firm. Transamerica Financial Advisors serves individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations through both advisory and broker-dealer services, offering proprietary and third-party model portfolios with discretionary and non-discretionary options.

Adam Beard is a financial advisor at IEQ Capital, LLC with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Jefferies & Company, Inc. Beard serves on the Board of the Boston Youth Symphony Orchestra as a member of the Development Committee. IEQ Capital provides discretionary and non-discretionary portfolio management and advisory services primarily to high-net-worth individuals, families, trusts, foundations, and private funds. The firm combines centralized macro and manager research with access to independent managers and alternative investments, managing approximately $35.4 billion in assets.

Gary Garabedian is a financial advisor with William Blair and holds Series 63 and Series 65 licenses. He has 49 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he has ownership interests in a transportation equipment sales business and a private investment partnership. William Blair’s Private Wealth Management division provides investment management and financial planning services to individuals, foundations, pension, and corporate clients. The firm employs an active, research-driven approach across multiple asset classes and offers proprietary models and access to private funds and co-investment opportunities.

Patti May is a financial advisor at J.W. Cole Advisors, Inc. with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Global Financial Private Capital, LLC. In addition to her advisory role, she operates as a self-employed insurance agent focused on the sale of fixed annuities and life insurance. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Evelyn Duka is a financial advisor with Osaic Advisory Services, LLC in Lafayette, CA. She holds Series 63 and Series 66 licenses and has 24 years of industry experience. Prior to joining Osaic in 2024, she worked with Arbor Point Advisors and Securities America from 2017 to 2024, and has operated Kaylyn Financial since 2007. Outside of advisory roles, she provides tax preparation services for individual clients. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of services such as investment management, financial planning, retirement consulting, and specialized solutions, delivering advisory services through multiple program models using a combination of proprietary and third-party platforms.

Brent Carlson is a financial advisor with Schwab Wealth Advisory in Dublin, CA, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has worked at Schwab Wealth Advisory and Charles Schwab & Co., Inc. since 2018, with prior experience in mortgage and residential services. Outside of financial advising, he is an independent creator who reviews television shows and movies on YouTube. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Schwab's research tools and asset allocation models. The firm operates within the Charles Schwab ecosystem and delivers advice without exercising discretionary trading authority.

Canden Hannah is a financial advisor at Corient based in San Francisco, CA. He holds Series 65 and Series 66 licenses and has one year of industry experience. His prior roles include positions at Focus Partners Wealth and Puesto, as well as teaching experience at Grand Canyon University and Berean Christian High School. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach that incorporates in-house strategies, third-party managers, and risk management tools, with additional capabilities in private funds and affiliated trust services.

Paul Perrino is a CFA® charterholder with 16 years of industry experience. He is currently with Corient, where he has worked since 2024. Prior to joining Corient, he spent eight years at Ensemble Capital Management, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm’s goals-based, team investment approach integrates individual security selection, fixed-income strategies, and third-party manager solutions, supported by continuous portfolio monitoring and risk management tools.

Julian Lam is a financial advisor with Schwab Wealth Advisory Inc. in San Francisco, holding Series 65 and Series 63 licenses and 13 years of industry experience. He previously worked at Fisher Investments from 2011 to 2017 before joining Schwab Wealth Advisory and Charles Schwab in 2017. Outside of his advisory role, he is involved in food delivery services through Uber Eats. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm delivers advice through standardized asset allocation models and research tools, recommending investments while leaving final trading decisions to clients.

Nicholas Barbieri Jr. is a financial advisor at IEQ Capital, LLC, holding a Series 65 designation. He has six years of industry experience, including time at Shenkman Capital Management before joining IEQ Capital. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals, families, trusts, and institutions. The firm uses a centralized macroeconomic research process and constructs portfolios from a blend of liquid strategies, third-party managers, and private alternative investments.

Andrew Venturi is a financial advisor at IEQ Capital, LLC with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Sepio Capital, Bank of America, and Merrill Lynch. IEQ Capital provides portfolio management and investment advisory services primarily to high-net-worth individuals and families, as well as trusts, foundations, endowments, and non-profit organizations. The firm’s investment process integrates centralized macroeconomic research with client-specific Investment Policy Statements, utilizing a combination of liquid strategies, third-party independent managers, and private alternative investments.

Anna Wuzhen is a financial advisor at Citigroup Global Markets with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at CTBC Bank and HSBC Bank USA N.A. among other roles. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs, combining large institutional scale with specialized market roles.

Dennis Culver is a Series 66-licensed financial advisor with Ameritas Advisory Services, LLC, based in San Ramon, CA, and has 10 years of industry experience. Prior to joining Ameritas in 2021, he worked at Mutual Securities, Insight Wealth Strategies, Lincoln Financial Advisors, and Ameriprise Financial Services. Outside of his advisory work, Culver is also a reporter for Bay City News, a news wire service. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a range of discretionary and non-discretionary programs, utilizing a combination of in-house model portfolios and third-party managers.

Mathew Salter is a CFA® charterholder with 11 years of experience in the financial industry. He currently works at Citigroup Global Markets and has held prior roles at Franklin Templeton Financial Services, Legg Mason Investor Services, Riaz Capital, and Cisco Systems. Outside of his financial career, Salter serves as a councilmember for the Town of Ross, CA, where he votes on local government issues. Citigroup Global Markets serves individual and institutional clients across various wealth segments and offers multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles, including derivatives and futures services, and employs internal standards and oversight committees to select and monitor investment managers.