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.

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.

David Henderson is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 registrations and has previously worked at Woodbury Financial Services, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. In addition to his advisory role, he operates as a sole proprietor providing insurance services to existing policyholders and managing new business placements. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform. The firm offers a range of brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk analysis tools.

Vu Nguyen is a financial advisor at Raymond James Financial with 27 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc., Raymond James Financial Services, Inc., Raymond James & Associates, and Unionbanc Investment Services. He holds Series 63 and Series 65 credentials. Outside of his advisory role, he is an officer and financial advisor for Wealthstone Asset Management Group, Inc. 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, 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.

Trevor Owen is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked exclusively within various J.P. Morgan entities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative due diligence and may include ESG considerations, with implementation support provided by affiliated investment-management entities.

Bianca Cross is a Series 66-registered financial advisor with J.P. Morgan Securities in San Jose, CA, and has 14 years of industry experience. She has worked at several firms, including Morgan Stanley, Wells Fargo, Cetera Investment Services, and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Steven Chang is a financial advisor with LPL Financial who holds Series 66 and Series 63 licenses and has 23 years of industry experience. His prior roles include positions at Beacon Pointe Wealth Advisors and Ameriprise. Outside of advising, he is registered as an insurance agent focusing on non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by extensive research and technology tools.

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 at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 license and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019, following prior roles at Wells Fargo Clearing and Morgan Stanley. Outside of his advisory work, he owns a photography business called MGP Imagery. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors. The firm offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Ting Ting Zhao is a financial advisor with J.P. Morgan Securities in Saratoga, CA, holding Series 63 and Series 66 credentials and having nine years of industry experience. She has previously worked at Morgan Stanley and Wells Fargo in various roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and incorporates an ESG eligibility framework.