Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Brian Cooke is a financial advisor with LPL Financial in Capitola, CA, holding Series 63 and Series 66 registrations and 24 years of industry experience. He has worked at LPL Financial since 2010 and previously spent three years with Edward Jones. Cooke also acts in a fiduciary capacity for a family trust. 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 a network of over 22,800 advisors and sophisticated operational tools.

Brian Lamb is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Los Gatos, CA. He has 18 years of industry experience, including roles at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., and TD Ameritrade. Lamb has been with J.P. Morgan Securities and related entities since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. The firm’s approach combines quantitative and qualitative research with forward-looking capital market assumptions to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Jesus Maciel is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has worked at J.P. Morgan Securities and related entities since 2016. In addition to his advisory role, he is an owner and partner of La Michoacana Plus, an ice cream parlor in San Jose. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Marcela Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She brings extensive experience in personal financial planning, emphasizing client engagement in the planning process to develop disciplined financial strategies. Prior to her current role, Marcela served as Vice President -- Investments and Private Client Advisor at JPMorgan Securities from 2012 to 2020. Her earlier experience includes positions as a Licensed Banker at Chase Bank from 2010 to 2012 and as a Registered Client Associate at Merrill Lynch from 2008 to 2010. She holds a California Insurance License.

Michelle Flamm is a financial advisor with Charles Schwab in Los Gatos, CA, holding a Series 66 credential and five years of industry experience. She previously worked at US Bank and TD Ameritrade and has been associated with Charles Schwab since 2018. Outside of finance, she is a licensed cosmetologist providing haircut and hair coloring services to a small regular clientele. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and alternative investments, supported by a centralized operational structure.

Adam Sawkins is a financial advisor at Morgan Stanley in Los Gatos, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Charles Schwab and has a diverse background including roles in mortgage services and automotive sales. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, with a financial planning process rooted in structured discovery and firm-approved tools, serving clients through tailored financial plans and various investment services.

Russell Case is a CFP® professional with 16 years of industry experience, currently serving at Edward Jones since 2009. He is based in Los Gatos, CA, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves 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 affiliated mutual funds, operating under a fiduciary standard.

Katherine Phillips is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously operated Katherine Phillips - Editing Services for 14 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices.

Corrine Fabie is a CFP®-designated financial advisor with Morgan Stanley in Los Gatos, CA, and has 31 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Peter Dean is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 63 designation and 42 years of industry experience. His career includes long tenures across various Morgan Stanley entities since 1997 and a brief period at Citigroup Global Markets. He serves on the boards of the Boys & Girls Club of Santa Cruz and the Odd Fellows Cemetery & Mortuary. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory and brokerage capabilities.

Stefan Webster is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and five years of industry experience. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank since 2021, and previously worked for the City of Los Angeles for nine years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to support its recommendations, which may include ESG considerations and leverage broader derivatives and commodities capabilities.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves a large client base, 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Romeo Margot Picquendar is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Romeo provides affluent clients with personalized investment strategies that address a broad range of financial needs, including investment planning, retirement and estate planning, college planning, and asset and liability management. By collaborating closely with a team of Merrill specialists, Romeo delivers customized financial recommendations aimed at helping clients make informed decisions aligned with their evolving market conditions and personal circumstances. Romeo began a career in finance after earning a Bachelor's Degree from the University of Maryland. Romeo holds the designation of CERTIFIED FINANCIAL PLANNER (CFP) and the Personal Investment Advisor (PIA) credential, demonstrating professional expertise in comprehensive financial planning and investment advisory services. Committed to community involvement, Romeo embraces the Merrill tradition of volunteering and engaging with local organizations. This dedication reflects a broader philosophy of working collaboratively one-on-one with clients to develop tailored financial strategies designed to support their long-term goals.

Dieter Ramaekers is a CFP® with 28 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. since 2016. He is a co-owner of Adint Associates LLC, which owns the office space where he works, and leads a marketing team through Adint, Ramaekers and Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting and supports a large network of advisors with specialized programs in municipal finance and employer retirement plans.

Sabin Alibrandi is a CFP® professional with over 21 years of industry experience, currently serving as an advisor at OSAIC since 2024. His previous experience includes roles at Securities America Advisors and Cetera Advisors LLC. Outside of his advisory duties, he serves as treasurer for Santa Cruz County Lacrosse, a volunteer board position. OSAIC is a multi-advisor platform serving retail and institutional clients with a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization through diverse programs and third-party manager options.

Kevin Mize is a CFP® with 39 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 15 years at Morgan Stanley in various capacities, including nine years with Morgan Stanley Private Bank. Outside of advisory work, he owns Earthrise Real Estate, LLC, which holds a building intended as the future site of his Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations.

Mario Fitoria is a financial advisor at J.P. Morgan Securities with one year of experience in the industry. He holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A. and Bank of America. Outside of his advisory role, he is also involved in the entertainment industry as a weekend club DJ and music producer. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to support non-discretionary advice on asset allocation, investment manager selection, and performance reporting.

Anna Jacobs is a financial advisor with LPL Financial based in San Jose, CA, holding a Series 66 designation and bringing 20 years of industry experience. She previously worked with Waddell & Reed, Inc. for 16 years and has been involved in various roles including insurance agencies and property management. Outside of her advisory work, she has engaged in rental property management and served on a homeowners association board. 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 range of financial planning and investment services, utilizing model portfolios and third-party subadvisors, and supports its advisors with advanced operational and research tools.