Lingyun Qian is a financial advisor at Charles Schwab with 10 years of industry experience. Qian holds Series 66, Series 63, and Series 65 licenses and has previously worked at HSBC Securities USA, MUFG Union Bank, and Citigroup. Outside of financial services, Qian has been involved in property management unrelated to investment advisory. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from its Center for Financial Research.

Hanane Bettahi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and having 10 years of industry experience. She has worked at J.P. Morgan Securities since 2016 and is also the owner of Classic Limousine Service Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Matthew Terwilliger is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he was involved with the Cal Alumni Association for 11 years. He holds an inactive California real estate license. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies. The firm is known for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Chee Hon is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and 26 years of industry experience. Before joining Cambridge in 2018, he worked at U.S. Bancorp Investments, Inc. from 2014 to 2018. Outside of his advisory role, he owns First Sequoia Financial, LLC, a business entity based in San Ramon, CA. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management through multiple platforms and proprietary model strategies under the Founders Gate Capital brand.

Brendaliz Valenzuela is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, employing forward-looking capital market assumptions and an ESG eligibility framework.

Liyuan Lee is a financial advisor at LPL Financial with four years of industry experience. Prior to joining LPL Financial, Lee worked at Sid Financial Services for five years and at Riverbed Technology for seven years. Lee holds the Series 63 and Series 65 credentials and is based in Concord, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Luke Lee is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. 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, offering both non-discretionary and discretionary investment guidance through a multi-asset model portfolio approach and centralized operational infrastructure.

Steven Varlas is a financial advisor with J.P. Morgan Securities in Danville, CA, holding Series 63 and Series 66 licenses and with 14 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2011. Outside of his advisory role, he has been involved with NAALI FIT, LLC (formerly Paragon Fitness, LLC) since 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager research, and customized performance reporting, supported by centralized due diligence and incorporating ESG considerations.

Eric Schreiber is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Strategic Advisers and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, utilizing systematic methodologies and long-term asset allocation benchmarks.

Dwight Peterson is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. His prior work includes roles at Advantage Wealth Advisors and National Planning Corporation. He is based in Alamo, California. 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 financial planning and asset management services, combining advisory platforms with non-advisory financial activities and oversight of over $819 billion in discretionary assets.

Ming Lo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior work includes 18 years at TD Ameritrade, Inc. He is based in San Ramon, CA. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary portfolio management alongside brokerage and custody services. Schwab’s integrated structure combines centralized supervision and multi-asset investment guidance with access to alternative investments and cash-sweep solutions.

Dharma Westphal is a financial advisor with Primerica Advisors in San Ramon, CA, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Primerica Advisors, Dharma has held various roles within Primerica Financial Services and has experience outside finance including work with The Dance Center and Summerfield Waldorf School and Farm. Outside of advisory work, Dharma is an independent contractor for Twitch Interactive, dedicating several hours monthly. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm uses third-party asset managers and BNY Mellon Advisors for trading and emphasizes a tiered wrap fee structure.

Gerard Soriano Jr. is a financial advisor with UBS Financial Services in Alamo, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

John Aaron is a financial advisor at Cetera with 18 years of industry experience and holds a Series 66 credential. He has worked at multiple firms, including Avantax and Hawkes Hastings & Aaron Accountancy Corporation, where he provides accounting services and tax planning for individuals and businesses. Outside of advisory services, he is involved in mortgage origination and processing through Wymac Capital Mortgage. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of investment management solutions through a multi-manager platform, supporting both discretionary and non-discretionary accounts with access to affiliated and third-party portfolio managers.

Adam Massey is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of his advisory role, Massey operates a photography services business as an independent contractor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Mohammad Reza Shabani is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo in various roles since 2015. 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 within a non-discretionary framework. The firm supports its advisory process with centralized due diligence and incorporates ESG criteria into its recommendations.

Milad Javaherian is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 licenses. His previous roles include seven years at Morgan Stanley and three years at Wells Fargo Bank, NA. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Ian Wetherell is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 26 years of industry experience. His prior roles include positions at Principal Funds Distributor, Inc, Nationwide Investment Services Corporation, Manulife Investment Management (US) LLC, and John Hancock entities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing advice and account management through a broad network of investment adviser representatives.

Nadeem Alam is a financial advisor with J.P. Morgan Securities in Antioch, CA, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. He has worked at JPMorgan Securities LLC since 2016 and previously held roles at Merrill, Transamerica Financial Advisors, Nationwide Securities, RBC Capital Markets, and Ameriprise. 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 within a non-discretionary advisory framework.

Patrice Rainer is a Certified Financial Planner (CFP®) and holds a Series 66 license, with 13 years of experience in the financial industry. She has been with Cambridge Investment Research Advisors since 2016 and previously worked at Protected Investors of America from 2013 to 2016. Rainer serves as Vice President and Board Member of the Estate Planning Council of Diablo Valley. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base with services spanning multiple platforms and proprietary model strategies.