Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Tianyi Hao is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities LLC in 2022, Hao worked at Cathay Rock Investment Management and had multiple roles within the JPMorgan Chase organization dating back to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Christine Mcbroom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 18 years of industry experience. She has been with Raymond James since 2016 and previously worked with the City of Capitola from 2013 to 2017. Outside of her advisory role, she serves as Board President and Finance Committee Chair at Santa Cruz Montessori, contributing to the financial oversight of the nonprofit school. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and supports municipal and public-finance work through its affiliation with a municipal advisor.

Douglas Brady is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Morgan Stanley in various capacities from 2012 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor strategies to client goals and risk tolerances.

Harry Saputra is an Investment Consultant currently working at Fidelity Investment since 2025. In this role, he assists clients in working toward their financial goals through planning and personalized guidance. Prior to his current position, Harry was a Senior Premier Banker at Wells Fargo Bank from 2022 to 2025 and a Senior Banker at PNC Bank from 2020 to 2022. He holds a California Insurance License. Outside of his professional career, Harry has interests in activities such as visiting the beach, family activities, fitness, food, and movies.

Nicole Anzoategui is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley and its affiliates since 2013. Outside of her advisory role, she is a partner in an energy company and owns several rental properties, though she is not actively involved in their management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Vincent Sunzeri is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Nicholas Kelly is a financial advisor at Fidelity with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at UBS and various positions in education and community organizations. Outside of advisory work, he has experience with an insurance services firm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, emphasizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, including the use of model portfolios composed of mutual funds, ETFs, and ETPs.

Alison McClure is a financial advisor at Cetera with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. McClure is the owner of Ohana Wealth Management and contributes as an author to a book titled *Shattering the Silence*. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors and approximately $256 billion in assets under management.

Nhan Dang is a Financial Consultant currently working with Fidelity Investments since 2021. In this role, he collaborates closely with clients to provide personalized financial guidance, emphasizing the importance of building trust and empowering clients to make informed financial decisions. His professional experience spans several roles in the financial services industry, including positions as an Investment Consultant at Fidelity Investments from 2020 to 2021, Financial Solutions Advisor at Merrill in 2020, Associate Financial Consultant at Charles Schwab from 2018 to 2020, Private Client Banker at J.P. Morgan Chase from 2017 to 2018, and Business Banker at Citibank from 2014 to 2017. This diverse background supports his expertise in delivering individualized financial strategies. Nhan holds a California Insurance License, which complements his advisory capabilities. His team-oriented approach focuses on serving clients as unique partners, utilizing thoughtful and tailored strategies to address their financial goals.

Daniel Hernandez is a CFP®-certified financial advisor with four years of industry experience, currently with Charles Schwab. His prior experience includes roles at Fidelity Investments and Northwestern Mutual. Outside of finance, Hernandez has been involved with TOCA Football and La Costa Mariscos. 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 affiliated discretionary SMAs and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Eric Costello is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he is the owner and manager of Costello Wealth Strategies Inc. and is involved in a private investment in Integrity Wines, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and analytical tools and supports clients through advisory programs, municipal finance services, and specialized retirement plan consulting.

Navdeep Brar is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds Series 63 and Series 65 licenses. His prior roles include positions at Sequoia Financial LLC and JPMorgan Chase Bank, N.A., as well as business activities with Nirmal Brar Md Inc and Cory D Jaques Md Inc. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services focused on asset allocation, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Roxana Jauregui Lambert is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Nasdaq Private Market Securities, Wells Fargo Clearing, Wells Fargo Private Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, employing structured planning tools and methodologies to assist clients in managing approximately $2.74 trillion in assets.

Manoj Das is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He has worked at J.P. Morgan Chase Bank and Wells Fargo Advisors, holding a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Margaret Chan is a CFP®-certified financial advisor at OSAIC with 26 years of industry experience. Her prior work includes roles at Securities America and Foothill Securities, along with her ongoing involvement in accounting and tax consulting through Vasona CPA & Associates and Pacific CFO & Business Solutions. She also acts as an agent for long-term care insurance. OSAIC serves a wide range of clients—including individual investors, institutional clients, and charitable organizations—offering integrated brokerage and advisory services alongside multiple investment platforms. The firm employs a variety of asset-allocation tools and third-party managed-account solutions to construct diversified portfolios tailored to client risk profiles.

Brian Ramirez is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans tailored to their individual goals and circumstances. He emphasizes understanding clients' interests and passions to create flexible strategies that adapt to their evolving needs. Brian has been with Fidelity Investments since 2017, progressing through various roles including Financial Representative, Relationship Manager, and Planning Consultant before his current position. Prior to joining Fidelity, he held several positions at Wells Fargo Bank, starting as a Teller and advancing to Licensed Personal Banker. He holds a California Insurance License.

Nancy Pyzel is a financial advisor at OSAIC with 20 years of industry experience. She holds a Series 66 designation and has worked for firms including Lincoln Financial Advisors Corp, Royal Alliance Associates, and Acord & Fong Wealth Strategies. Outside of advising, Pyzel writes a monthly humor column for the Foolish Times of Monterey and serves as secretary and board member for Women in Financial Services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses asset-allocation tools and automated rebalancing to construct diversified portfolios across a wide range of investment types.

Maile Huynh is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2021. She has been with Fidelity Investments since 2012, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Her work focuses on partnering with clients and their families to understand their financial goals and needs, leveraging Fidelity's resources to create customized financial plans. Throughout her career, Maile has emphasized building and maintaining close relationships with clients to establish trust and reliability. She holds a California Insurance License. Outside of her professional role, Maile's personal interests include cars, family activities, music, sailing, and traveling.

Trevor Schwartz is a CFP® with 31 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He has been with various branches of Raymond James since 2013. He is also the owner and lead advisor of Trevor Schwartz Investments, a support company operating under the Raymond James Financial Services umbrella. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad client base that includes high-net-worth individuals, corporations, pension plans, and charitable organizations.