Komal Motwani was a financial adviser in Mumbai, India, at a giant firm, Emkay Financial Services Ltd., where she worked with high-net-worth clients, before meeting her spouse and moving to Pittsburgh in 2012.

Motwani set to work on her certified financial planner designation and after a brief stint at another firm, started working in 2018 at Yanni & Associates Investment Advisors, where she is a senior investment analyst.

“Numbers and research always fascinated me,” she said. “My motto is, time in the market is more important than timing the market.”

Working with 100 families and $133 million in client assets, she is heavily involved in the firm’s investment management program, helping develop various asset allocation models and trading techniques.

“Our investment models allocate higher percentages to large cap, which is a top-down approach in selecting the exchange-traded funds and mutual funds,” Motwani said. “In the negative-performing years, we actively try to conduct tax loss harvesting and book some losses so that clients can offset other gains and income.” — Bruce Kelly