Jeffrey Coplan serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on assisting individuals and families in achieving their financial objectives through personalized financial, investment, and long-term wealth planning strategies. He emphasizes the importance of having a clear financial plan, maintaining discipline, and making informed decisions rather than attempting to time the market. Jeffrey holds a California Insurance License, which supports his provision of comprehensive financial advice. Outside of his professional responsibilities, he engages in activities such as bowling, golf, softball, and enjoys spending time with his pets and family.

Jarrett Fishpaw is a financial advisor with Charles Schwab in Los Gatos, CA. He holds a Series 66 designation and has experience dating back to 2014, previously working at Coldwell Banker Realty for 11 years before joining Charles Schwab Bank and Charles Schwab in 2025. 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, utilizing multi-asset model portfolios and a centralized operational structure.

Bela Palfalvi is a financial advisor with Charles Schwab in Cupertino, CA, holding a Series 63 license and bringing 33 years of industry experience. His career includes over two decades with Charles Schwab and related entities, as well as three years at TD Ameritrade. 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 offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Dewi Hartono is a financial advisor at Morgan Stanley in Cupertino, CA, with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes both retail and institutional services.

Xinyao Wang is a financial advisor at Charles Schwab with six years of industry experience. His background includes roles at JPMorgan Chase Bank and JPMorgan Securities, along with earlier experience outside finance as an auctioneer and working in the restaurant industry. Charles Schwab serves primarily high- and ultra-high-net-worth clients 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, and offers multi-asset model portfolios alongside centralized custody and order-routing services.

Vineeta Devi is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. She has worked with Wells Fargo in various capacities since 2001 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she has ownership in a rental property business in Elk Grove, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a range of investment options, such as insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan solutions.

Antonio Posada is a financial advisor with OSAIC in San Jose, CA, holding a Series 66 designation and 10 years of industry experience. His prior experience includes roles at Arbor Point Advisors and Securities America Advisors. He also conducts a limited life insurance business focused on term life policies and manages an annuity business inherited from his family. OSAIC serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage, investment advisory, and financial planning services. The firm employs various asset-allocation tools and provides access to third-party money managers and wrap programs.

Lin Wu is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC, where he worked between 2013 and 2022. 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 supported by structured discovery processes and planning tools, managing approximately $2.74 trillion in client assets.

Deborah Mazzulla is a financial advisor at UBS Financial Services in San Jose, CA, with 45 years of industry experience. She has been with UBS since 1995. She holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets activities.

Pamela Matthews is a financial advisor at Ameriprise in Los Gatos, CA, holding Series 63 and Series 65 designations with 35 years of industry experience. She has been with Ameriprise and its affiliated entity since 2009. Ameriprise provides a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets, delivering detailed written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a dedicated team to support its advisory services.

Kimberly Custodio Contreras is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked with Wells Fargo entities since 2011 and is also involved in entrepreneurship as the owner of Lady Lurkers, a women's skateboard brand based in Boulder Creek, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions that incorporate an IPS-driven, modern portfolio theory approach. The firm’s offerings include a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Sheldon Lee is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in San Bruno, California. He has five years of industry experience and has been with Wells Fargo Clearing since 2020. Outside of his advisory role, he has partial ownership in a rental property business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options in its offerings.

Gary Cornford is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank, SSB since 2005. 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 guidance, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

Gary Sargenti is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and has been affiliated with City National Bank since 2017. Outside of his advisory role, he serves on the boards of Quanta Laboratories Inc., a nonprofit testing laboratory, and the San Jose Youth Symphony, where he is treasurer and participates in finance advisory. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and nonprofit organizations. The firm offers tailored portfolio management and advisory services through various programs, utilizing both in-house and third-party investment managers along with options for tax management and responsible investing.

Tammy Ramsay is a financial advisor at OSAIC in San Jose, CA, with 36 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Securities America Advisors and Securities America Inc. for 14 years. Outside of her advisory role, she sells term insurance as needed and manages a leased office space that she subleases to another business. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs firm-provided asset-allocation tools and supports various managed-account solutions.

Gregory Wood Jr. is a financial advisor with LPL Enterprise holding Series 63, 65, and 66 licenses and four years of industry experience. His background includes roles at Merrill, Bank of America Securities, and Freedom Asset Management Limited, as well as service in the United States Navy Reserve Component since 2016. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and charitable entities. The firm employs model-driven investment implementation and offers access to third-party asset managers, financial planning, and non-securities products such as trust custody and insurance services.

Sophia Sinsigalli is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her work history includes roles at Standard Strength and Bank of America N.A. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Solis is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over 20 years at Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering tailored services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education.

Michael Fujii is a PFS™ credentialed advisor at Cetera with one year of industry experience. He has worked at Avantax Advisory Services and currently holds roles at JY Wealthcare LLC and Johanson & Yau Accountancy Corporation, where he is a partner in a public accounting firm providing tax preparation, planning, and audit services. Fujii is involved in managing tax clients and developing business initiatives, and he is a member of an LLC that owns the building housing his various business operations. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a network of independent advisors. The firm offers diverse portfolio management and financial planning services with a multi-manager platform, overseeing over $256 billion in assets and more than 10,000 advisors nationwide.

Yin Wang is a financial advisor with LPL Enterprise in San Jose, CA, holding Series 63 and 66 licenses and two years of industry experience. Prior to joining LPL Enterprise, Wang worked at several firms including Prudential Insurance Company of America, Pruco Securities LLC, NYLIFE Securities LLC, and New York Life, and has over two decades of experience as a dentist at Milpitas Dental Group. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily utilizes model-driven investment approaches and offers access to third-party asset managers, financial planning, and a range of affiliated services including insurance and trust custody.