Wayne Peterson is a CFP® and ChFC® with 42 years of experience in the financial services industry. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves on the Leadership Team of St. Timothy's Lutheran Church in San Jose, CA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning that covers a wide range of topics without including implementation. The firm combines planning with managed-account services under the WealthPlan platform but does not provide institutional portfolio management.

Graham Bruce is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2003, he has focused on assisting clients in addressing a range of financial concerns and goals, including education planning, legacy planning, managing new wealth, and retirement income. His expertise also extends to portfolio management services, philanthropic planning, socially responsible and ESG investing, tax minimization, and services tailored for endowments, foundations, and non-profits. Graham attended the University of St Andrews in Scotland and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Originally from Scotland, he relocated to California in 2002. Outside of his professional work, Graham is involved with the Second Harvest Food Bank and enjoys personal interests such as billiards, boxing, hiking, ice hockey, music, singing, soccer, and spending time with his family.

Sharon Chen is a financial advisor with LPL Enterprise, holding a Series 66 designation and based in San Jose, CA. She has recently transitioned into financial advising with LPL after working at Moody's for four years and Wells Fargo Bank for sixteen years. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm utilizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Celeste Basuino is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 registrations and 34 years of industry experience. Her career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, as well as eight years each at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm employs structured planning tools and provides access to various investment strategies, managing approximately $2.74 trillion in client assets.

Magdalena Villalvazo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 63 designation and 16 years of industry experience. She has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research-driven approaches emphasizing diversification and modern portfolio theory.

Karmyn Larsen is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, World Financial Group, and Brien Shamp Nutritional Coaching/Fitness. Outside of finance, Larsen works as a fitness instructor for the Peninsula Jewish Community Center in Foster City. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Gin Yuan Lai is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 credentials. His prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Citibank, Charles Schwab, and Hua Nan Commercial Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a systematic investment approach that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction.

Kyle Morgenroth is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Morgenroth serves on the board and finance committee of the Carey School Corporation in San Mateo, California. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its financial advice.

Paul Lukas is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 40 years of experience in the financial services industry. He specializes in distribution options from employer-sponsored retirement plans, retirement income strategies, estate planning needs, and tax minimization. Paul also provides guidance on college education planning, divorce transition planning, family wealth management strategies, small business strategies, socially responsible and ESG investing, special needs planning strategies, and investment consulting for defined contribution plans. Before joining Merrill Lynch Wealth Management in Silicon Valley in 1983, Paul was the founder and President of an entertainment production company in Southern California. He holds a Bachelor's degree from the University of California, San Diego (UCSD) and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Paul lives in Los Gatos with his wife and has two daughters. Outside of his professional work, Paul has served on several non-profit boards including The Parkinson's Institute, San Jose Children's Musical Theater, and St. Mary's School in Los Gatos. His personal interests include music, running, skiing, surfing, tennis, and traveling.

Omar Maslic is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including PNC Investments and BBVA Securities Inc. prior to his current role. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment strategies.

James Pascoe is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Prudential Insurance Company of America since 1982 and recently joined LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is primarily model-driven, using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and participation in a wrap program.

Tammy Leu is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years before joining Osaic in 2023. Outside of her advisory role, she serves as a statutory agent for Perry Financial Network, which involves the sale of term life insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs a variety of asset-allocation tools and third-party platforms to construct and manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Anh Tran is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to that, he was employed at Wells Fargo clearing services and Wells Fargo Bank, and he attended the University of California, Davis. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Steven Nieto is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in retirement, income, and corporate 401(k) planning. He focuses on providing a comprehensive and personalized approach to wealth management that begins with understanding the client’s financial situation, family, and priorities. Steven develops customized strategies that remain flexible to clients’ evolving needs and market conditions, incorporating investment insights from Merrill and banking solutions from Bank of America. His areas of expertise include college education planning, corporate benefits, divorce transition planning, executive compensation, legacy planning, managing new wealth, portfolio management, and retirement income. Steven holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor’s Degree in Finance from San Jose State University. Steven is committed to community involvement, reflecting the tradition at Merrill of serving local organizations through volunteer work. Outside of his professional activities, he enjoys boating, golfing, skiing, and spending time with his family.

Jingwen Sun is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, Sun held roles at Bank of America, New York Life, and several other companies in various capacities. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Hoe is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, Hoe serves as CFO and Treasurer for the Friends of Nigeria Basketball Foundation, a charitable organization based in Menlo Park, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Sara Alaei is a financial advisor at Merrill in Cupertino, CA, holding a Series 66 designation with seven years of industry experience. Her prior work includes roles at Bank of America and Wells Fargo. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eileen Bader is a financial advisor at Charles Schwab with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill and UBS Financial Services. Since 2021, she has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios supported by centralized operational and supervisory arrangements.

John Lehr is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Heath Strasser is a financial advisor at Charles Schwab with 17 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior experience includes roles at Fidelity Investments, American Funds Distributors, Inc., Merrill, and Advisors Asset Management, Inc. 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 a combination of non-discretionary advisory models and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.