Jeffrey Migneault is a CFP® professional with 22 years of experience in the financial services industry. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Donald Bogue is a financial advisor at OSAIC in Campbell, CA, holding a Series 66 designation with eight years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for five years and held positions at LPL Financial and HD Vest entities among others. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Ruth Freitas is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 65 designations and has worked at BancWest Investment Services and Bank of the West since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios, research, and technology-driven investment solutions.

Richard Abarca is a Financial Consultant currently with Fidelity Investments since 2019. He has experience working as a Financial Advisor at Bancwest Investment Services from 2018 to 2019, and Prudential Financial from 2017 to 2018. Prior to his advisory roles, he served as a Relationship Banker at Bank of America from 2010 to 2016. In his role, Richard focuses on understanding clients' unique financial situations and collaborates with them to develop plans aimed at reaching their financial goals. He emphasizes building strong relationships with clients and their families, maintaining competency, reliability, and integrity in his work. Richard holds a California Insurance License, supporting his capabilities in the financial advisory field.

Loc Thai is the Vice President and Branch Leader at Fidelity Investments, where he manages a team of financial advisors. In his role, he focuses on developing his team to assist clients in working toward their financial goals, aiming to ensure clients receive excellent service. Prior to his current position, Loc held leadership roles including Market Director of Wealth at JP Morgan Chase from 2018 to 2022, and Market Manager at Merrill Edge from 2011 to 2018. He holds a California Insurance License. Outside of his professional work, Loc has interests in beach activities, movies, photography, swimming, table tennis, and traveling.

Jacob Hogan is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Fidelity in Campbell, CA. He has held roles within Fidelity since 2020 and previously worked at New Focus Academy and Discovery Academy. Outside of his advisory work, he is co-owner of a business involved in maintenance and upkeep of rental property. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Gianna Aiello is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at Bank of America, NYLIFE Securities, and New York Life Insurance Company. Outside of finance, her background includes work in public relations and media. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ann Escobar is a financial advisor with LPL Financial based in Campbell, CA, holding a Series 66 designation and bringing 13 years of industry experience. Her previous work includes eight years at Waddell & Reed, Inc and several years running her own advisory activities. She is also a notary public. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and nonprofits through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with a variety of management approaches and investment strategies.

Derek Ferriera is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and possessing 42 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 27 years before joining OSAIC in 2025. Outside of advisory work, he co-authored the book "Master Your Financial Success." OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on diversified portfolio construction using multiple asset classes and third-party money managers.

Jason Drotar is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a notary public and co-owns a fitness studio franchise with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations, with planning engagements typically discrete and client-implementation optional.

Samantha Williams is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments in various roles since 2011, including Financial Consultant, Planning Consultant, and Senior Relationship Manager. Prior to joining Fidelity, Samantha worked at JPMorgan Chase as a Licensed Personal Banker and at E*TRADE FINANCIAL as an Executive Services Specialist. She also held a position with American Express Financial Advisors. Samantha holds a California Insurance License. She is focused on building long-term relationships with clients and their families, emphasizing trust and collaboration to develop holistic financial plans tailored to their unique experiences and goals. Outside of her professional career, Samantha enjoys cooking and baking, participating in family activities, caring for pets, reading, traveling, and volunteering.

Christopher Raddie is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation along with Series 66 and Series 63 licenses. He has 11 years of industry experience, including 10 years with MassMutual Life Insurance Co and MML Investor Services, LLC. He is also an agent with Silicon Valley Financial Group, focusing on group health. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual financial planning engagements utilizing firm-approved analytical tools and offers specialized programs including divorce planning and estate-settlement services.

Sabin Alibrandi is a CFP®-certified financial advisor with over 21 years of industry experience. He is currently with OSAIC, having joined in 2024, following earlier roles at Securities America Advisors and Cetera Advisors. Alibrandi serves as treasurer for Santa Cruz County Lacrosse, a local nonprofit organization. OSAIC serves a diverse clientele including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizing asset allocation tools and third-party platforms to manage portfolios across multiple asset classes.

Bradley Ledwith is a financial advisor with LPL Financial in Morgan Hill, CA, holding Series 63 and 65 credentials and 27 years of industry experience. He has been with LPL Financial since 2006. Outside of advising, he is a self-published author of a book titled *If You Are Suddenly Single? This Book Can Help*, and he serves as an executive producer for a production project. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research to support both discretionary and non-discretionary management.

Carol Underwood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 16 years of industry experience. She previously worked at Securities America Advisors and METLIFE Securities Inc. Outside her advisory role, she is involved in insurance sales, providing clients with insurance and fixed indexed annuity products. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management.

Mario Fitoria is a financial advisor with J.P. Morgan Securities in San Jose, CA. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2025. Prior to that, he worked at JPMorgan Chase Bank, N.A. and Bank of America. Outside of finance, 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 clients such as corporations and foundations, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Anna Jacobs is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. Prior to joining LPL Financial in 2021, she worked at Waddell & Reed, Inc. and various insurance carriers for over 16 years. She has also been involved in real estate rental activities and served on a homeowners association board. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Jovin Jackson is currently a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. Prior to this role, he was a Financial Consultant at Fidelity Investments from 2014 to 2020. Before joining Fidelity, he worked as a Financial Advisor at SGC Financial & Insurance Services from 2010 to 2014. Jovin's professional experience spans over a decade in financial advisory roles, focusing on helping clients work toward their financial goals. He holds a California Insurance License, which supports his work in the financial services industry.

Dennis Laughlin is a financial advisor with Edward Jones in San Jose, CA. He holds the CFP® and Series 66 designations and has 18 years of industry experience. He has been with Edward Jones since 2007. Outside of his advisory role, he manages a residential rental property in Indialantic, FL. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ricardo Paguaga is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations. His work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, Clemson University, and The Gordran Group. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services with a multi-asset model portfolio approach and centralized operational support.