Elier Peraza is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Cetera and has held various roles at firms including Avantax and Johanson & Yau, where he serves as Director of Financial Services. In addition to his advisory work, he has acted as a temporary independent trustee for an irrevocable trust. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services. The firm operates as a multi-manager platform, allowing advisors to implement diverse investment strategies and program options across discretionary and non-discretionary accounts.

Sirivanh Harris is a CFP®-credentialed financial advisor with 17 years of industry experience, currently serving clients at LPL Financial since 2021. Prior to joining LPL, Harris held roles at Waddell and Reed, Inc., various insurance carriers, and operated her own business, Sirivanh S. Harris, Inc. She was also involved with Los Gatos Power Partners for over a decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing a variety of investment strategies and technology tools to support its network of over 22,800 advisors.

Phuong Leyva is a Financial Consultant at Fidelity Investments, where she assists clients in navigating their unique financial situations. She focuses on planning and guidance to help clients work toward their overall goals, including preparations for retirement and beyond. Phuong has held several roles within Fidelity Investments, progressing from Investment Consultant in 2024 to Relationship Manager from 2022 to 2024, before becoming a Financial Consultant in 2025. Prior to joining Fidelity, she was a Private Client Banker and Assistant Vice President at JP Morgan Chase from 2009 to 2022. She holds a California Insurance License. Outside of her professional work, Phuong enjoys activities such as beach outings, football, running, snowboarding, traveling, and writing.

Kyra Arielle Jaro is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She has previously worked at Merrill and Evercore. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios and oversees multiple sub-advisers while maintaining governance and conflict-of-interest controls.

Steve Fang is an investment advisor at LPL Financial with four years of industry experience. He holds Series 66 and Series 63 licenses and has prior experience at firms including J.P. Morgan Securities LLC and Fidelity Investments. Fang also performs notary services as part of his professional activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, combining extensive resources with a large network of investment adviser representatives.

Elizabeth Murillo is a Series 66-licensed financial advisor at Edward Jones with five years of industry experience. She worked for Wells Fargo Bank, N.A. for 21 years before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds.

Tran Ngo is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at New York Life, Charles Schwab, and Charles Schwab Bank. Outside of his advisory role, he provides in-home supportive services as an independent contractor to assist an elderly family member. Tran is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research and quantitative methods to construct model portfolios from mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Timothy Wallis is a Financial Consultant currently working at Fidelity Investments. He has been serving in this role since 2022, following his previous position as an Investment Consultant at Fidelity Investments from 2020 to 2022. Prior to that, he worked as a Financial Advisor at Merrill Lynch from 2017 to 2020. His professional experience encompasses financial consulting and investment advising, focusing on helping clients work towards achieving their financial goals. Timothy holds a California Insurance License, supporting his advisory capabilities. Outside of his professional activities, Timothy has personal interests in baseball, comedy, fitness, and hiking.

Yijuan Fan is a financial advisor at Cetera with the PFS™ designation and one year of industry experience. She has held roles at Cetera, JY Wealthcare, Avantax Advisory Services, and has been a tax partner at Johanson & Yau Accountancy Corporation since 2019. Fan is involved in providing comprehensive tax and accounting services through her referral financial advisory business, JY Wealthcare, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and a variety of program structures with access to multiple third-party managers and model portfolios.

Robert Min is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining LPL, he worked at MML Investors Services, LLC, MassMutual Life Insurance Company, and Bbsi. Outside of his advisory role, Min is involved with Jackson Hewitt providing tax preparation services and is engaged in trust and estate planning through Solutions Wealth Management. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third‑party subadvisors, and customized strategies supported by advanced operational tools.

Anthony Liu is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at TD Ameritrade, Fidelity, Morgan Stanley, and Ameriprise. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary and discretionary investment management with centralized custody and brokerage functions.

Alexander Hayes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Invesco Distributors, OppenheimerFunds, Putnam Investment Management, and New York Life Investment Management. Outside of his advisory work, he is involved with AJ Wealth & Legacy, LLC, a non-investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management services supported by extensive advisor tools and a broad platform that integrates advisory and non-advisory financial activities.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors, Inc. and Investacorp Inc. He is also the owner of Trinity Financial Services, a fixed insurance business. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and managing complex affiliate relationships.

Kristi Ellington is a financial advisor with LPL Financial in Gilroy, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with LPL Financial since 2009, following five years at Cetera Investment Services LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and oversight of extensive discretionary assets.

Laura Grant is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has been with Fidelity Investments since 2015, serving in various roles including Planning Consultant, Relationship Manager, and Financial Representative. Laura focuses on wealth planning and collaborates with clients to develop customized financial plans tailored to their individual needs. She holds a California Insurance License, supporting her expertise in financial services. Outside of her professional work, Laura enjoys cooking and baking, fitness, music, spending time with pets, running, and traveling.

Michelle La is a Financial Consultant at Fidelity Investments, a position she has held since 2020. She works closely with clients to provide personal attention and assist in planning, growing, and maintaining their wealth by leveraging Fidelity's trusted brand, advanced technology, and investment platform. Prior to her current role, Michelle held positions at TD Ameritrade, including Senior Financial Consultant and Financial Consultant during 2019 and 2020, as well as Business Development Specialist from 2018 to 2019. Her experience encompasses client relationship management and financial consulting. Michelle holds insurance licenses in Arkansas and California.

Jeffrey Arburn is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024, following previous roles at Woodbury Financial Services, Whitehall-Parker Securities, and Wells Fargo Investments. Outside of his advisory work, he owns an LLC involved in selling life insurance and long-term care insurance. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by various analytical tools and offers a range of strategies including advisor-managed and third-party managed portfolios.

Philip Drews is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank, where he spent over a decade before joining Wells Fargo Clearing in 2022. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep options.

Paula Ferreira Soares is a CFP®-certified financial advisor with three years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at Edward Jones and a seven-year period with Dezign With a Z. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management access.

Jeff Conforti is a financial advisor at OSAIC with 39 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Securities America Advisors and SECURITIES AMERICA, inc. for a combined 39 years. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization across various advisory programs.