Nicole Anzoategui is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley and its affiliates since 2013. Outside of her advisory role, she is a partner in an energy company and owns several rental properties, though she is not actively involved in their management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Vincent Sunzeri is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Alison McClure is a financial advisor at Cetera with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. McClure is the owner of Ohana Wealth Management and contributes as an author to a book titled *Shattering the Silence*. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors and approximately $256 billion in assets under management.

Nhan Dang is a Financial Consultant currently working with Fidelity Investments since 2021. In this role, he collaborates closely with clients to provide personalized financial guidance, emphasizing the importance of building trust and empowering clients to make informed financial decisions. His professional experience spans several roles in the financial services industry, including positions as an Investment Consultant at Fidelity Investments from 2020 to 2021, Financial Solutions Advisor at Merrill in 2020, Associate Financial Consultant at Charles Schwab from 2018 to 2020, Private Client Banker at J.P. Morgan Chase from 2017 to 2018, and Business Banker at Citibank from 2014 to 2017. This diverse background supports his expertise in delivering individualized financial strategies. Nhan holds a California Insurance License, which complements his advisory capabilities. His team-oriented approach focuses on serving clients as unique partners, utilizing thoughtful and tailored strategies to address their financial goals.

Daniel Hernandez is a CFP®-certified financial advisor with four years of industry experience, currently with Charles Schwab. His prior experience includes roles at Fidelity Investments and Northwestern Mutual. Outside of finance, Hernandez has been involved with TOCA Football and La Costa Mariscos. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Eric Costello is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is the owner and manager of Costello Wealth Strategies Inc. and is involved in a private investment in Integrity Wines, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and analytical tools and supports clients through advisory programs, municipal finance services, and specialized retirement plan consulting.

Roxana Jauregui Lambert is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Nasdaq Private Market Securities, Wells Fargo Clearing, Wells Fargo Private Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, employing structured planning tools and methodologies to assist clients in managing approximately $2.74 trillion in assets.

Brian Ramirez is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans tailored to their individual goals and circumstances. He emphasizes understanding clients' interests and passions to create flexible strategies that adapt to their evolving needs. Brian has been with Fidelity Investments since 2017, progressing through various roles including Financial Representative, Relationship Manager, and Planning Consultant before his current position. Prior to joining Fidelity, he held several positions at Wells Fargo Bank, starting as a Teller and advancing to Licensed Personal Banker. He holds a California Insurance License.

Trevor Schwartz is a CFP® with 31 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He has been with various branches of Raymond James since 2013. He is also the owner and lead advisor of Trevor Schwartz Investments, a support company operating under the Raymond James Financial Services umbrella. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad client base that includes high-net-worth individuals, corporations, pension plans, and charitable organizations.

Trevor Owen is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked exclusively within various divisions of J.P. Morgan since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity futures registrations.

Scott Tucker is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Morgan Stanley, he worked in the automotive sector at Dell Exotic Auto Works and Borelli Motorsports. He has also been affiliated with DeAnza College since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm provides a wide range of advisory programs and tailored financial planning services to both individual and institutional clients.

Susan Markham is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held positions at Morgan Stanley from 2009 to 2022 before joining UBS in 2022. Her credentials include Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management, offering services such as futures commission merchant activities, principal trading, and proprietary research.

Thomas Walsh is a financial advisor at Raymond James Financial with 35 years of industry experience. He has held roles at Raymond James Financial Services, Inc. since 1992 and at Raymond James Financial since 2009. Walsh holds a Series 63 designation and is based in Capitola, California. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning using risk profiling and modeling tools and supports its recommendations through various advisory programs and partnerships.

Matthew Pfeifer is a financial advisor with J.P. Morgan Securities in Santa Cruz, CA, holding a Series 66 credential and bringing 11 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining J.P. Morgan in 2019. Outside of his advisory role, he owns MGP Imagery, a photography business. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset allocation, investment manager searches, and customized performance reporting through a non-discretionary approach.