David Knudsen is a financial advisor at Morgan Stanley in San Jose, CA, with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Kristina Kashuba is a Series 66-licensed financial advisor with Morgan Stanley in Cupertino, CA, with three years of industry experience. Her prior experience includes roles at Citibank and San Jose State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, supported by structured planning processes and proprietary investment modeling tools.

Jason Moyers is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010, including roles at Morgan Stanley Private Bank, National Association since 2015. He is based in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Allison Lee is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at Optimlaize Inc and Americans For Cures. Morgan Stanley Wealth Management is a large SEC-registered advisor and broker-dealer providing a wide array of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Troy Kenyon is a financial advisor at Charles Schwab with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB since 2018 and Charles Schwab & Co., Inc. since 2017. Prior to Schwab, he was employed at Roncancio Wealth Management for one year and worked at Arizona State University for four years. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Albert Aeed II is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2016 and Morgan Stanley Smith Barney LLC since 2015. Outside of finance, he works as a stand-up comedian. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including corporate financial planning agreements.

Jefferson Bustarde is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and seven years of experience at UBS following ten years at Wells Fargo Advisors, LLC. He has a combined 17 years in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including portfolio management and financial planning, leveraging proprietary research and institutional trading capabilities.

Kevin Lang is a CFP®-designated financial advisor with Ameriprise in Campbell, CA, bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 1997. Outside of his advisory role, Lang is a co-owner of MaiTai Eden Properties LLC, a real estate business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Matthew Agius is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 credentials and 22 years of industry experience. He has worked at several firms including Securities America Advisors, Cue Financial Group, and Provident Credit Union, where he continues to serve as an advisor. Osaic Wealth, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a variety of asset classes.

Fulton Chang is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Outside of his advisory role, he is involved in property management related to rental properties. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and models to support client decision-making.

Kyle Foley is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

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.

Chien Zhao is a Planning Consultant at Fidelity, where they have been employed since 2021. They have over ten years of experience in the financial services industry. Prior to their current role, Zhao worked as a Financial Solution Advisor at Merrill Edge, Bank of America in 2021, and as a Financial Advisor at Edward Jones from 2019 to 2021. Earlier in their career, Zhao served as an Office Manager at Farmer's Insurance from 2014 to 2018. Zhao holds a California Insurance License. Growing up in a family involved in the financial industry, Zhao emphasizes the importance of foundational planning as a critical step toward goal-focused investing. Their professional focus is on helping clients craft and execute tailored financial plans to work toward achieving their individual financial objectives.

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.

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.