Xinyao Wang is a financial advisor at Charles Schwab with six years of industry experience. His background includes roles at JPMorgan Chase Bank and JPMorgan Securities, along with earlier experience outside finance as an auctioneer and working in the restaurant industry. Charles Schwab 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, and offers multi-asset model portfolios alongside centralized custody and order-routing services.

Vineeta Devi is a Series 66 licensed financial advisor with Wells Fargo Clearing in San Jose, CA, with 20 years of industry experience. She has worked at Wells Fargo bank since 2001 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she owns a rental property in Elk Grove, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Colleen O'Brien is a financial advisor at Morgan Stanley with 29 years of industry experience. She has held positions at Morgan Stanley since 2021 and previously worked at Charles Schwab and Charles Schwab Bank from 2007 to 2021. O'Brien holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and modeling techniques but generally acts in an advisory capacity without offering individual security recommendations as part of standalone plans.

Antonio Posada is a financial advisor at Osaic Wealth based in San Jose, California, holding a Series 66 designation with 11 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. Outside of his advisory work, he manages a small life insurance and annuity business. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization with discretionary and third-party managed options.

Deborah Mazzulla is a financial advisor at UBS Financial Services in San Jose, CA, with 45 years of industry experience. She has been with UBS since 1995. She holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets activities.

Pamela Matthews is a financial advisor at Ameriprise in Los Gatos, CA, holding Series 63 and Series 65 designations with 35 years of industry experience. She has been with Ameriprise and its affiliated entity since 2009. Ameriprise provides a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets, delivering detailed written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a dedicated team to support its advisory services.

Kimberly Custodio Contreras is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank since 2011. Outside of her financial services career, she is involved in LADY LURKERS, a women's skateboard brand based in Boulder Creek, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with diversification principles to provide both brokerage and advisory solutions across a broad range of financial products.

Sheldon Lee is a Series 66-licensed financial advisor at Wells Fargo Clearing with six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has a total of 13 years of experience with Wells Fargo Bank, N.A. outside of his advisory role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gary Cornford is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank, SSB since 2005. 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

Gary Sargenti is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and has been affiliated with City National Bank since 2017. Outside of his advisory role, he serves on the boards of Quanta Laboratories Inc., a nonprofit testing laboratory, and the San Jose Youth Symphony, where he is treasurer and participates in finance advisory. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and nonprofit organizations. The firm offers tailored portfolio management and advisory services through various programs, utilizing both in-house and third-party investment managers along with options for tax management and responsible investing.

Tammy Ramsay is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Securities America Advisors, Morgan Stanley, Citigroup Global Markets, and Fidelity. In addition to her advisory role, she is a leaseholder of her office space in San Jose, which she sub-leases to a business related to the insurance industry. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform with an emphasis on model-based asset allocation and portfolio optimization. The firm’s scale, complex affiliate network, and private-equity ownership distinguish it within the industry.

Sophia Sinsigalli is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her work history includes roles at Standard Strength and Bank of America N.A. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Solis is a financial advisor with Wells Fargo Clearing based in San Jose, CA. He holds a Series 66 designation and has 18 years of industry experience. He has worked with Wells Fargo Bank, N.A. since 2006 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research from the Wells Fargo Investment Institute and third-party sources.

Michael Fujii is a PFS™ credentialed advisor at Cetera with one year of industry experience. He has worked at Avantax Advisory Services and currently holds roles at JY Wealthcare LLC and Johanson & Yau Accountancy Corporation, where he is a partner in a public accounting firm providing tax preparation, planning, and audit services. Fujii is involved in managing tax clients and developing business initiatives, and he is a member of an LLC that owns the building housing his various business operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a network of independent advisors. The firm offers diverse portfolio management and financial planning services with a multi-manager platform, overseeing over $256 billion in assets and more than 10,000 advisors nationwide.

Vincent Di Piero is a CFP® certificant with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at Reach Professional Tutoring for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Michael Burns is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner and Smith, Inc. since 2012 and also has over a decade of experience with Bank of America. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sonal Tiwari is a Planning Consultant at Fidelity Investments, a position she has held since 2026. In this role, she focuses on assisting clients with comprehensive planning by understanding their unique situations and goals. Prior to this, she served as a Relationship Manager at Fidelity Investments from 2025 to 2026, a Client Service Associate at UBS from 2024 to 2025, and a Wealth Management Client Associate at Merrill Lynch from 2022 to 2023. She also held the position of Multi Unit Team Leader at H&R Block in 2020. Sonal holds a California Insurance License, which supports her expertise in providing financial planning and insurance solutions. Outside of her professional work, she enjoys cooking and baking, spending time with her family, listening to music, reading, and traveling.

Adeline Bellot is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and nine years of industry experience. She has been with LPL Financial since 2015 and also provides investment advisory services through Mariner Independent Advisor Network, an independent registered investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management options, including model portfolios and third-party asset management.

Amy Mallo is a financial advisor at Merrill with a Series 66 designation and 1 year of industry experience. She has been with Merrill since 2001, totaling 25 years at the firm. Outside of her advisory role, she serves as a co-trustee of a fiduciary trust. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eugene Mendoza is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo, Citigroup, Merrill, and Bank of America. Outside of his advisory role, Mendoza manages a rental property in Sacramento, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.