Kathleen Webb is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 63 designation and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as a co-trustee for her family trusts. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Nicholas Chin is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2006. In addition to his advisory roles, he has been involved with San Jose State University since 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies, including the use of Monte Carlo simulations and Secular Return Estimates, to develop financial plans.

Tina Louie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Thomas Wong is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity Investments since 2014, initially serving as a Financial Consultant before his current role. Prior to joining Fidelity, he worked as a Financial Advisor at Miceli Financial Partners from 2008 to 2014, and as a Financial Representative at NML from 2006 to 2008. Thomas specializes in working with clients to develop comprehensive financial plans by identifying gaps and educating them on their options. His approach involves empowering clients to make informed financial decisions for themselves and their families, utilizing the resources available through Fidelity Investments. He holds a California Insurance License.

Jeffrey Coplan serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on assisting individuals and families in achieving their financial objectives through personalized financial, investment, and long-term wealth planning strategies. He emphasizes the importance of having a clear financial plan, maintaining discipline, and making informed decisions rather than attempting to time the market. Jeffrey holds a California Insurance License, which supports his provision of comprehensive financial advice. Outside of his professional responsibilities, he engages in activities such as bowling, golf, softball, and enjoys spending time with his pets and family.

Jarrett Fishpaw is a financial advisor with Charles Schwab in Los Gatos, CA. He holds a Series 66 designation and has experience dating back to 2014, previously working at Coldwell Banker Realty for 11 years before joining Charles Schwab Bank and Charles Schwab in 2025. 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 options, utilizing multi-asset model portfolios and a centralized operational structure.

Bela Palfalvi is a financial advisor with Charles Schwab in Cupertino, CA, holding the Series 63 designation and bringing 32 years of industry experience. He has been affiliated with Charles Schwab since 1993 and worked at TD Ameritrade from 2021 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining advisory, brokerage, custody, and financial planning services. The firm offers a hybrid client relationship model with both non-discretionary advice and access to discretionary separately managed accounts.

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 financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. She has worked with Wells Fargo in various capacities since 2001 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she has ownership in a rental property business in Elk Grove, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a range of investment options, such as insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan solutions.

Antonio Posada is a financial advisor with OSAIC in San Jose, CA, holding a Series 66 designation and 10 years of industry experience. His prior experience includes roles at Arbor Point Advisors and Securities America Advisors. He also conducts a limited life insurance business focused on term life policies and manages an annuity business inherited from his family. OSAIC serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage, investment advisory, and financial planning services. The firm employs various asset-allocation tools and provides access to third-party money managers and wrap programs.

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 with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked with Wells Fargo entities since 2011 and is also involved in entrepreneurship as the owner of Lady Lurkers, a women's skateboard brand based in Boulder Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions that incorporate an IPS-driven, modern portfolio theory approach. The firm’s offerings include a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Sheldon Lee is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in San Bruno, California. He has five years of industry experience and has been with Wells Fargo Clearing since 2020. Outside of his advisory role, he has partial ownership in a rental property business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options in its offerings.

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.

Renvir Gellon is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, Renvir worked at Fisher Investments and Five9, and has experience at the University of Oregon and Dole. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to both individual and institutional clients, focusing on structured financial planning using firm-approved tools and models.

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 in San Jose, CA, with 36 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Securities America Advisors and Securities America Inc. for 14 years. Outside of her advisory role, she sells term insurance as needed and manages a leased office space that she subleases to another business. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs firm-provided asset-allocation tools and supports various managed-account solutions.

Gregory Wood Jr. is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 66, Series 65, and Series 63 licenses. His prior roles include positions at Merrill, BOFA Securities, and Freedom Asset Management Limited. Wood Jr. has served in the United States Navy Reserve Component since 2016. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and brokerage products, utilizing a platform that integrates adviser programs with other financial product sales, including insurance.

Sophia Sinsigalli is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2019 and has prior experience 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 individual and institutional clients.