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.

Michael Simon is a Financial Consultant at Fidelity Investments, where he collaborates with individuals and families to develop investment plans tailored to their unique priorities and values. He focuses on providing education, resources, and strategies to help clients establish and maintain a path toward their financial goals. Michael has held various roles at Fidelity Investments since 2022, including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. He holds a California Insurance License. Outside of his professional work, Michael enjoys cooking and baking, playing golf, visiting museums, reading, skiing, and traveling.

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.

Marisa Otto is a CFP®-credentialed financial advisor with Edward Jones, based in Morgan Hill, CA. She has 23 years of industry experience and has been with Edward Jones since 2002. Outside of her advisory role, she serves as a board member and scholarship committee member for the Rotary Club of San Jose East/Evergreen. 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 supported by a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Nicholas Kelly is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at UBS and various positions in education and community organizations. Outside of advisory work, he has experience with an insurance services firm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, emphasizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, including the use of model portfolios composed of mutual funds, ETFs, and ETPs.

Robert Fortino is a financial advisor at Edward Jones in Gilroy, CA, with 23 years of industry experience. He has been with Edward Jones since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of investment strategies and affiliated services. The firm has a nationwide network of more than 23,000 financial advisors and manages approximately $1.01 trillion in assets under management.

Matthew De Garmo is a CFP®-designated financial advisor with eight years of industry experience. He is currently with Wells Fargo Advisors and has prior experience at firms including AW Securities, Allworth Financial, Fidelity Brokerage Services, and The Vanguard Group. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

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.

Christopher Loo is a financial advisor with Ameriprise in Morgan Hill, CA, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its predecessor firms since 1993. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, primarily for clients with assets managed within Ameriprise.

Dean Correa is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Wells Fargo Advisors since 2014 and also owns Correa Wealth Management, a financial practice based in San Jose. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including retirement, education, and specialized areas such as business-owner transition and special-needs planning, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

Kimberly Gaxiola is a CFP® professional with 27 years of industry experience, currently with Cambridge Investment Research Advisors where she has worked since 2010. Her prior experience includes roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. She also serves as a board member of Informed Choices, a nonprofit organization. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm offers discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Manoj Das is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 12 years of industry experience. He has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2019, and previously at Wells Fargo Clearing, Wells Fargo Advisors, and Credit Suisse Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG considerations within a broad range of eligible strategies.

Anusha Sapharu is a financial advisor at Edward Jones with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at Bank of America/Merrill Lynch and J.P. Morgan Securities LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Nancy Pyzel is a financial advisor at OSAIC with 20 years of industry experience. She holds a Series 66 designation and has previously worked at Acord & Fong Wealth Strategies, Lincoln Financial Advisors Corp, Royal Alliance Associates, and other firms. Outside of her advisory role, she writes a monthly humor column for the Foolish Times of Monterey and serves as a board member and secretary for Women in Financial Services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform with a model-based investment process emphasizing asset allocation, portfolio optimization, and a variety of managed account options.

Maile Huynh is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2021. She has been with Fidelity Investments since 2012, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Her work focuses on partnering with clients and their families to understand their financial goals and needs, leveraging Fidelity's resources to create customized financial plans. Throughout her career, Maile has emphasized building and maintaining close relationships with clients to establish trust and reliability. She holds a California Insurance License. Outside of her professional role, Maile's personal interests include cars, family activities, music, sailing, and traveling.

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.

Victor Gaxiola is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at firms including Wells Fargo Clearing and A. G. Edwards & Sons. Outside of his advisory work, he serves as a director managing curriculum for Leadership Morgan Hill and is a council member with Gerson Lehrman Group, providing consulting and coaching. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base through thousands of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Arely Leon Mejia is a financial advisor with Charles Schwab in Campbell, CA, holding Series 63 and Series 66 licenses and possessing seven years of industry experience. Her prior work includes roles at TD Ameritrade, JP Morgan Securities, and Synapse Technology Corporation. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab operates as both a broker-dealer and investment adviser, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and oversight functions.