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 at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2016, following two years at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework within a non-discretionary program.

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 works with a team of specialists to provide goals-based wealth management services to affluent families, accomplished professionals, and business owners. Lauren focuses on delivering customized advice and disciplined investment strategies while maintaining long-lasting client relationships. Her expertise includes college education planning, executive and equity compensation services, family wealth management strategies, personal retirement planning, socially responsible and ESG investing, tax minimization, and retirement income planning. Lauren holds several 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 earned her bachelor's degree from San Jose State University. Lauren is a member of professional organizations such as CREWSV and NAWBO. She dedicates time to community involvement through the Silicon Valley Humane Society and Soroptimist International of Santa Clara Silicon Valley. In her personal time, she enjoys biking, scuba diving, traveling, practicing yoga, and spending time with her family.

Hugh Wong is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021. Prior to that, he was with WealthSetter and South Bay Advisors from 2016 to 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, incorporating an ESG framework and broader derivatives and commodities capabilities.

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 Series 66 licensed financial advisor with nine years of industry experience, currently with J.P. Morgan Securities in San Jose, CA. His work history includes roles at JPMorgan Chase Bank, Citigroup, and Bank of America. He also operated a retail business, Frank's Corner Store, for one year. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria.

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.

Charles Elliott is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has been with Wells Fargo Advisors since 2012 and holds Series 63 and Series 65 designations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition and special-needs analysis.

Shannon Peace is a financial advisor at Charles Schwab with 17 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His work history includes roles at Charles Schwab Premier Bank, Charles Schwab Bank, and Breakaway Capital Management, among others. 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 discretionary separately managed accounts and uses multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Rodger Hobbs is a CFP®-certified financial advisor with 20 years of industry experience, currently with Osaic in San Jose, CA. He previously worked at Royal Alliance for 11 years. Outside of his advisory role, Hobbs operates a tax preparation and planning service through Baron Tax Services. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and multiple managed account options delivered via a multi-advisor platform.

David Foreman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he serves as an elder at Cedar Grove Community Church. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.