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.

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.

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 at LPL Enterprise with 15 years of industry experience. He holds the Series 66 designation and has worked at firms including Prudential Insurance Company of America, Pruco Securities, Principal Securities, Principal Life Insurance, and Merrill. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

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.

Atop Inthamala is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2022, following five years at UBS Financial Services Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Lauren Gray is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides goals-based wealth management services to affluent families, accomplished professionals, and successful business owners. Alongside a team of specialists, she offers advice and guidance based on clients' goals and priorities, focusing on the investor at the center of financial strategies. Her expertise encompasses areas such as college education planning, executive compensation, equity compensation services, family wealth management strategies, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income. Lauren utilizes a comprehensive approach that begins with defining and prioritizing financial goals across health, home, family, leisure, giving, work, and finance. Lauren holds a Bachelor's Degree from San Jose State University and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is a member of professional organizations such as CREWSV and NAWBO, and participates in community involvement with the Silicon Valley Humane Society and Soroptimist International of Santa Clara Silicon Valley. Outside of her professional work, Lauren enjoys biking, scuba diving, spending time with her family, traveling, and practicing yoga.

Hugh Wong is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2021. His prior experience includes roles at WealthSetter and South Bay Advisors, LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Joseph Nguyen is a financial advisor with Wells Fargo Clearing in Campbell, CA, holding a Series 66 designation and 20 years of industry experience. His prior firms include Fidelity Investments, Morgan Stanley, E*TRADE Capital Management, and Merrill. Outside of finance, he was involved with Twilite Productions from 2010 to 2018. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates at scale with over 14,000 advisors and $671 billion in assets under management, providing both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Alexander Carter is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2011, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his current role, he partners with families to collaborate on all areas of financial decision-making, focusing on developing sound investment strategies and comprehensive financial planning. Throughout his career at Fidelity Investments, Alexander has built experience in investment consulting and financial advising. He holds a California Insurance License, which supports his work in financial services. Outside of his professional responsibilities, Alexander's personal interests include golf, snowboarding, and swimming.

Frank Gomez is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup, Bank of America, and Merrill. Outside his advisory roles, he operated a small business called Frank's Corner Store from 2022 to 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager search, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and integrates an ESG eligibility framework in its recommendations.

Michelle Hu is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Cetera and its related entities since 2002, including roles at First Allied Securities and First Allied Advisory Services. Hu volunteers with the Shin Shin Educational Foundation and serves as trustee of the Hu Family Trust. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.