Jason Cheng is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2018. He has been with Fidelity Investments since 2013, previously serving as Assistant Branch Manager and Vice President - Financial Consultant. Prior to his tenure at Fidelity, Jason held various positions at Charles Schwab from 2006 to 2013, including Vice President - Financial Consultant, Investment Consultant, and Financial Representative. He began his financial services career at E*Trade Securities, working as a Financial Representative and Active Trader Specialist between 2003 and 2006. Jason holds a California Insurance License. He emphasizes the importance of hiring and developing financial advisors with integrity and dedication to effectively support clients as their primary advisors.

Brandon Matsuno is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Oracle for four years and held positions at Northwestern Mutual and Merrill Lynch. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI technologies, and its advisory role to multiple registered investment companies.

Donald Tonelli is a financial advisor at OSAIC with over 53 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes nearly three decades at Foothill Securities, Inc. and eight years at Securities America Advisors, Inc. Tonelli also maintains a long-standing arrangement as a licensed real estate broker referring prospects to Keller Williams Realty. OSAIC is a large multi-advisor platform serving retail and institutional clients with brokerage and advisory services, offering diversified investment programs and a model-based approach to asset allocation and portfolio optimization.

Andrew D. Ferguson is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Ferguson has served as a trustee for Marietta College and is involved locally as a board member of the Los Gatos Education Fund and an advisory committee member for the Los Gatos Union School District. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services through a comprehensive platform.

Nina Reyes is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and 17 years of experience with the firm. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to support its financial planning process.

Andrew Hung Nguyen is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Cetera and its affiliated entities since 2013, working in the San Jose, CA area. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and custodial relationships.

Robert Sheely is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. His career includes roles at J.P. Morgan Securities and Morgan Stanley Private Bank. 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 supported by firm-approved tools and market models, managing approximately $2.74 trillion in client assets.

Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Tianyi Hao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2018, including at J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with a focus on non-discretionary, client-directed portfolio management.

Christine Mcbroom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James since 2016 and previously worked with the City of Capitola from 2013 to 2017. Outside of her advisory role, she serves as Board President and Finance Committee Chair at Santa Cruz Montessori, contributing to the financial oversight of the nonprofit school. 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 plans, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and supports municipal and public-finance work through its affiliation with a municipal advisor.

Douglas Brady is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Morgan Stanley in various capacities from 2012 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor strategies to client goals and risk tolerances.

Harry Saputra is an Investment Consultant currently working at Fidelity Investment since 2025. In this role, he assists clients in working toward their financial goals through planning and personalized guidance. Prior to his current position, Harry was a Senior Premier Banker at Wells Fargo Bank from 2022 to 2025 and a Senior Banker at PNC Bank from 2020 to 2022. He holds a California Insurance License. Outside of his professional career, Harry has interests in activities such as visiting the beach, family activities, fitness, food, and movies.

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 five years of industry experience. He is currently with Charles Schwab and has prior experience at Fidelity Investments and Northwestern Mutual. Outside of his advisory roles, he was involved with TOCA Football in 2020. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers both non-discretionary and discretionary investment management services using multi-asset model portfolios, supported by centralized supervisory and custody arrangements.

Roxana Jauregui Lambert is a financial advisor at Morgan Stanley based in Los Gatos, CA, holding a Series 66 designation with seven years of industry experience. Her career includes roles at Morgan Stanley, Bank of America, Merrill, Nasdaq Private Market Securities, and Wells Fargo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Margaret Chan is a CFP® professional with 26 years of experience, currently serving as a financial advisor at OSAIC since 2024. Her prior experience includes roles at Securities America, Inc., and Foothill Securities, Inc. She is also a certified public accountant with Vasona CPA & Associates and works as a consultant with Pacific CFO & Business Solutions, Inc. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to multiple custodial arrangements and alternative investments.