Yingzhi Xi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo Bank, N.A. prior to his current role. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Spiridon Kabitsis is a financial advisor with Ameriprise in Belmont, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he provides notary services for legal documents related to Greece through his business Law-Tax in Greece Consulting Inc. and is involved in coaching other Ameriprise advisors. He is also co-owner of a hair salon operated by his wife. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement, focusing on clients with significant investable assets. The firm utilizes research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary retirement income recommendations, supported by a centralized consulting team.

Alexander Keeno is a financial advisor at Ameriprise with Series 66 registration and one year of industry experience. His prior work includes roles at First Republic Bank and Mutual of Omaha, as well as employment at Santa Clara University. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides tailored retirement planning recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Robert Drier is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. He has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of his advisory role, he is an insurance agent receiving commission trails from prior years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Justin Wright is a financial advisor with LPL Financial based in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Before joining LPL Financial in 2017, he worked at Transamerica Financial Advisors and World Financial Group. He is also employed at Castlewood Country Club. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Luke Maura is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Deutsche Bank Securities Inc, The Benchmark Company, LLC, and Charles Schwab. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Yadira Luna is a Financial Consultant at Fidelity Investments, where she partners with clients to develop tailored financial plans that emphasize tax-efficient investing. She utilizes Fidelity's extensive resources alongside her experience to co-create personalized financial roadmaps aimed at supporting her clients' families' financial well-being and long-term goals. Yadira has over 15 years of experience in banking and investments, having held various roles including Planning Consultant at Fidelity Investments, Financial Advisor at Merrill Lynch, and Client Relationship Associate at American Century Investments. Her background also includes positions in sales, service management, and accounting within the financial sector. She holds a California Insurance License. Outside of her professional work, Yadira enjoys activities such as spending time at the beach and lake, camping, family activities, parenthood, and reading.

Nick Pagonis is a financial advisor at Wells Fargo Clearing in San Jose, CA, holding a Series 66 credential with 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2014 to 2016. Outside of his advisory role, he serves on the finance committee of St. Nicholas Greek Orthodox Church in San Jose. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in their investment menus.

Sebastien Alezeau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2018 and has also worked with Wells Fargo Bank NA since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Justin Evans serves as Vice President and Branch Leader at Fidelity Investments, a role he has held since 2022. In this capacity, he leads a team of associates focused on delivering financial planning services to clients. Prior to joining Fidelity Investments, Justin held the position of Executive Director and Market Director at J.P. Morgan from 2018 to 2022. He maintains a California Insurance License.

Calvin Watt is a Series 66-licensed financial advisor with Morgan Stanley in Cupertino, California, with 27 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Outside of his advisory role, he is a sole proprietor involved in property management. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets through structured planning processes and a variety of investment and financial products.

Usha Gurazada is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 65 and Series 63 licenses with 21 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2004. In addition to her advisory role, she may receive non-investment related compensation for part-time referrals of home security, automation products, and other home-related services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies managed by third-party asset managers and supported by custodial services from Pershing.

Farzad Raufi is a Financial Consultant at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with individuals and families to develop personalized investment and wealth management strategies tailored to their financial goals. He focuses on understanding each client's unique financial situation to provide customized guidance and planning support. Prior to joining Fidelity Investments, Farzad worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2022. He holds a California Insurance License, supporting his ability to offer comprehensive financial advice. Outside of his professional work, Farzad has interests in art, family activities, food, golf, hiking, and traveling.

Joseph Runyan is a financial advisor at Charles Schwab in Cupertino, CA, with seven years of industry experience. His prior roles include positions at TD Ameritrade, J.P. Morgan Securities, and JPMorgan Chase Bank. He holds Series 63 and Series 66 licenses. 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, supported by multi-asset model portfolios, alternative investment due diligence, and integrated brokerage, custody, and advisory services.

William Lloyd is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since joining the firm in 2007. He began his financial advisory career in 1997 with Prudential Securities. He works alongside partners focusing on assisting individuals and families in managing their financial lives, with services including investing, tax minimization strategies, estate planning, insurance, annuities, and financing solutions through Bank of America, N.A. William holds a Bachelor's Degree in Economics from the University of San Francisco. He is a member of the Investments & Wealth Institute and has earned the Certified Investment Management Analyst (CIMA) designation after completing its educational component through the Wharton School of Business at the University of Pennsylvania. Additionally, he holds the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Before his career in wealth management, William worked in the golf industry as an instructor and retail manager for nearly a decade. He is a native of San Jose, California, and enjoys baseball, basketball, golfing, photography, and spending time with his family.

Vikram Kohli is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he has involvement in real estate ownership. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Yajing Qiu is a financial advisor with J.P. Morgan Securities in Milpitas, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has worked at J.P. Morgan Securities since 2016 and JPMorgan Chase Bank, N.A. since 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jitendra Mehta is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial goals. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Jitendra has completed a Non Accredited Certificate Program from UC Santa Cruz in Personal Financial Planning.

Paritosh Rajora is a financial advisor with LPL Enterprise holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Principal Life Insurance companies. He is based in San Jose, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products via an integrated platform.

Colleen Harris is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with Merrill since 2013. Merrill, along 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 model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.