Cathleen Petersen is a financial advisor at OSAIC with 45 years of industry experience. She holds a Series 63 designation and has worked previously at Securities America Advisors, Inc. and Foothill Securities, Inc. In addition to her advisory work, she owns a tax preparation and planning business that serves individuals and businesses. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of portfolio management options using firm-provided allocation and risk tools, supported by multiple advisory platforms and third-party service providers.

Roger Evans is a financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked with the Morgan Stanley Private Bank, National Association since 2015. He holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client planning needs.

Ryan Cole is a financial advisor at Morgan Stanley with 11 years of industry experience. He previously worked at Fisher Investments for seven years and held various roles at Wells Fargo entities from 2014 to 2018. Cole holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client responsibility for implementation and updates.

John Cole is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Outside of his advisory work, he is the sole proprietor and owner of Calidus Vineyard, an agricultural business in Calistoga, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and scenario modeling.

Jennifer Smith is a Financial Consultant currently working with Fidelity Investments since 2024. She has extensive experience in the financial services industry, having previously served as a Senior Wealth Management Associate at UBS Financial Services from 2020 to 2024, and as Vice President - Financial Advisor at Morgan Stanley from 1994 to 2020. Her professional approach involves understanding clients' goals, values, and lifetime aspirations to develop holistic financial plans. She emphasizes the importance of regular plan reviews to accommodate any changes in clients' circumstances. Jennifer holds a California Insurance License. Outside of her professional career, Jennifer enjoys cooking and baking, participating in family activities, exploring culinary interests, attending social events with friends, listening to music, and traveling.

Trevor Strudley is a CFP® with 13 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He serves as a board member and finance committee member of the Cabrillo College Foundation and is the author of *Tech Success: How Technology Executives and their Families Manage Meaningful Wealth*. He is also CEO of Stiles-Strudley Inc., a concierge wealth management services company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ryan Bennett is a financial advisor with Edward Jones in Capitola, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of approximately 23,701 advisors. The firm manages around $1.01 trillion in assets under management and provides services including tax-efficient strategies and access to affiliated mutual funds.

Mary Bellizzi is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 22 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2003. Outside of her advisory role, she is involved in small group medical insurance and rents a room in her home. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning focused on a broad range of financial topics, with planning services delivered separately from portfolio management.

Haiqing Chen is a financial advisor with Merrill in San Jose, CA, holding Series 66 and Series 63 licenses and six years of industry experience. Their background includes roles at Bank of America, Guardian Life, MassMutual, and New York Life, among others. Chen serves as treasurer and board member for the US Chamber of Commerce Silicon Valley, where they assist with bookkeeping and event organization to support the Chinese American business community. Merrill, along 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 a range of individual and institutional clients.

Tristan Kass is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, also serving at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and Corporate Financial Planning agreements.

Ivor Thomas is a Series 66–licensed financial advisor with Edward Jones in Scotts Valley, CA, and has 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Agustin Ramirez is a financial advisor at Primerica Advisors with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked with San Andreas Regional Center, PFS Investments Inc., and Primerica Financial Services. Outside of advisory work, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed accounts primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and a tiered wrap-fee structure for its services.

Joseph Winslow is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 35 years of industry experience. Prior to joining LPL Financial in 2020, he spent 28 years with Link Allen and Associates, Securian Financial Services, and Minnesota Life Insurance Company. He is also an insurance agent and is involved with a separate corporation, 505 Enterprises, which he dedicates significant time to. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing both in-house research and third-party subadvisors.

Simon Bonilla is a financial advisor at Morgan Stanley in Los Gatos, CA, with 8 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at UnionBanc Investment Services and MUFG Union Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Donald Elliott is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Janus Henderson Investors and Cadaret, Grant & Co. He manages Elliott Family Wealth, a family investment entity that is not investment related. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Vinay Chandok is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior work includes roles at Classic Realty and Mortgage, Loan Depot, Wells Fargo Home Mortgage, Bank of America, and Classic Financial Group Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Tyler Nguyen is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Citigroup Global Markets Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework.

Nick Almasov is a Financial Consultant currently working at Fidelity Investments since 2020. He has over a decade of experience in the financial services industry, specializing in assisting high-net-worth clients with their financial decision-making. Prior to his current role, Nick served as a Wealth Financial Advisor at Bank of the West from 2016 to 2020 and as a Premier Banker at Wells Fargo from 2014 to 2016. He holds a California Insurance License.

Shelley Goglio is a financial advisor at UBS Financial Services with 33 years of industry experience. She has been with UBS since 1989 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.

Thomas Boscardin is a financial advisor at Edward Jones in Los Gatos, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Local Eyes LLC, 90 Degrees West, and Don't Panic Production LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options supported by a large national network of financial advisors and branch offices.