Julius Freeman is a financial advisor at Fidelity with nine years of industry experience. His prior roles include positions at Merrill, Bank of America, JP Morgan, and Wells Fargo. Outside of his advisory work, he is the owner and operator of Sole Surf LLC, a business focused on buying and reselling sports merchandise. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory roles to registered investment companies and the use of systematic methodologies and AI in portfolio management.

Andrew Minker is a financial advisor at Equitable Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise for 27 years. He serves as a trustee for a personal trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Brian Cooke is a financial advisor with LPL Financial in Capitola, CA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he acts in a fiduciary capacity for the Florence G P Smith Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Brian Lamb is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management services.

Jesus Maciel is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at various J.P. Morgan entities since 2016. Outside of his advisory role, he is an owner and partner of La Michoacana Plus, an ice cream parlor. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services that include asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis.

Marcela Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She brings extensive experience in personal financial planning, emphasizing client engagement in the planning process to develop disciplined financial strategies. Prior to her current role, Marcela served as Vice President -- Investments and Private Client Advisor at JPMorgan Securities from 2012 to 2020. Her earlier experience includes positions as a Licensed Banker at Chase Bank from 2010 to 2012 and as a Registered Client Associate at Merrill Lynch from 2008 to 2010. She holds a California Insurance License.

Paula Thielen is a financial advisor at Cetera with 19 years of industry experience. She holds the PFS™ designation and Series 66 license. In addition to her advisory work, she is a CPA and owner of Thielen & Associates, an accounting and tax preparation firm where she oversees tax planning and return review for individual and business clients. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individual, institutional, and retirement plan clients. The firm offers a variety of portfolio management and financial planning options, including access to third-party money managers and model portfolios, supported by a multi-manager platform and diverse program structures.

Joanna Chan Mui is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 37 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Michelle Flamm is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked previously at US Bank and TD Ameritrade. Outside of advising, she is a licensed cosmetologist providing haircut and hair coloring services to regular clients. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm’s integrated structure allows for centralized supervision and a comprehensive approach to wealth management.

Christopher Wiebusch is a financial advisor with Merrill, holding Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at J.P. Morgan Securities and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Janet Monger is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. She has worked at Raymond James Financial Services, Inc. since 2022 and previously operated Brennan Bookkeeping, LLC. Outside of her advisory role, she serves as a Client Service Associate at Blue Diamond Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm employs a tailored, non-discretionary investment approach using risk profiling and modeling tools, and is notable for its affiliation with a municipal advisor and specialized services such as SIMPLE IRA Employer Advisory & Consulting.

David Dalaney is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2024. Prior to joining Schwab, his roles included positions at Ultimate Staffing, Wipro, and various other firms. 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 discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and alternative investment options.

Ping He is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and nine years of industry experience. Prior to joining Cambridge in 2017, He worked at the University of California for one year. He serves as a director on the board of the Financial Planning Association's Silicon Valley Chapter. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing various portfolio management programs and both discretionary and non-discretionary strategies.

Jeffrey Migneault is a CFP® professional with 22 years of experience in the financial services industry. He has been with Edward Jones since 2016. 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, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Adam Sawkins is a financial advisor at Morgan Stanley in Los Gatos, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Charles Schwab and has a diverse background including roles in mortgage services and automotive sales. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, with a financial planning process rooted in structured discovery and firm-approved tools, serving clients through tailored financial plans and various investment services.

Russell Case is a CFP® professional with 16 years of industry experience, currently serving at Edward Jones since 2009. He is based in Los Gatos, CA, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Donald Bogue is a financial advisor at OSAIC in Campbell, CA, holding a Series 66 designation with eight years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for five years and held positions at LPL Financial and HD Vest entities among others. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Richard Abarca is a Financial Consultant currently with Fidelity Investments since 2019. He has experience working as a Financial Advisor at Bancwest Investment Services from 2018 to 2019, and Prudential Financial from 2017 to 2018. Prior to his advisory roles, he served as a Relationship Banker at Bank of America from 2010 to 2016. In his role, Richard focuses on understanding clients' unique financial situations and collaborates with them to develop plans aimed at reaching their financial goals. He emphasizes building strong relationships with clients and their families, maintaining competency, reliability, and integrity in his work. Richard holds a California Insurance License, supporting his capabilities in the financial advisory field.

Katherine Phillips is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously operated Katherine Phillips - Editing Services for 14 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate accounts. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices.