Christopher Twardowski is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Burlingame, California. He has worked at Fidelity since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jennifer Buhl is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2011 and has over 15 years of experience working with affluent individuals, families, and owners of closely-held businesses. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). Jennifer’s expertise covers a range of client focus areas including corporate executive services, education planning, services for endowments, foundations, and non-profits, personal retirement planning, women and wealth, and retirement income. She emphasizes a wealth management approach that serves as a flexible framework and road map to help clients achieve their financial goals through growth, wealth preservation, succession planning, education funding, wealth transfer, and retirement planning. Jennifer earned her high school diploma from George Washington, attended San Francisco State University without earning a degree, and holds a bachelor’s degree from Charter Oak State College. Her team at Merrill Lynch includes CERTIFIED FINANCIAL PLANNER® professionals with expertise in estate planning strategies, retirement planning, insurance, tax efficiencies, and administration of 10b5-1 plans.

Andrew Gotianse is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliates since 2012. Based in Redwood City, CA, his career has been focused within this firm. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice, combining internal investment research and third-party data with a non-discretionary implementation approach.

Jake Ketchner is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and is based in San Mateo, CA. His work history includes roles at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2025, alongside prior periods of full-time education and employment outside the industry. 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 solutions supported by centralized custody and operational infrastructure.

Wayne Wang is a Series 65-licensed financial advisor at Fisher Investments with six years of industry experience. He has been with Fisher Investments since 2013. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment decision process and offers sub-advisory and retirement plan services to a diverse client base.

Christopher Inthavong is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kyle Burns is a financial advisor with Merrill holding a Series 66 credential and two years of industry experience. He has worked at Merrill and Bank of America, N.A., and also has prior experience with Northwestern Mutual Investment Services LLC. Outside of advising, he serves as a successor trustee for a family trust. 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 supported by Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justine Cramer is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Citigroup, HSBC Securities, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs firm-approved tools and structured discovery conversations as part of its financial planning process.

Lucas Brown is an advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held brief positions at JP Morgan Chase and the San Francisco 49ers, among other varied roles. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs.

Warren Barmore is a financial advisor with Edward Jones in Half Moon Bay, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Edward Jones since 2011. He serves on the investment committee of Senior Coastsiders Inc, where he meets quarterly to review endowment holdings and provide market insight. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a wide range of advisory programs, including discretionary and non-discretionary strategies, with a network of approximately 23,700 financial advisors nationwide.

Juan Applewhite is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. He has previously worked at Amerant Bank and Compomedica. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Edgardo Moncada is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Citigroup Global Markets, Citicorp Investment Services, Banc of America Investment Services, Quick & Reilly, and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and advisory services, including access to model portfolios, third-party asset management, and institutional platforms.

Nicholas Sutton is a financial advisor with Cetera, holding a Series 66 designation and 23 years of industry experience. He has been associated with Cetera and its related entities since 2004. Outside of his advisory role, Sutton owns and operates Sutton Financial, a tax preparation and advice business, and serves as an adjutant officer for the Veterans of Foreign Wars. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management options, including discretionary and non-discretionary services, and manages over $256 billion in assets.

Aishwarya Gattani is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity Investments in 2025, she held roles at EF Hutton and worked in various educational institutions, including UC Davis and the University of San Francisco. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, formal advisory roles to multiple registered investment companies, and integration of AI in its research.

Quan Vu is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to that, he was with Bank of America and the University of San Francisco. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Sirinee Tippakorn is a CFP® and ChFC® with 21 years of experience in financial advising at Edward Jones, where she has worked since 2005. She served as president of the Rotary Club of Belmont from 2011 to 2012, leading fundraising and distribution efforts for community projects. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Meagan Merrill is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. J.P. Morgan Securities 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 in its recommendations.

Robin Starr is a financial advisor at OSAIC with 18 years of industry experience. Before joining OSAIC in 2025, Starr worked for Lincoln Financial Advisors for 10 years. He holds a Series 66 designation. Outside of advisory work, Starr serves as a board member, treasurer, and president of the Cityline at Tenley Condominium Association in Washington, DC, where he participates in governance and budget decisions. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party managers to construct portfolios across various asset classes.

Robert Rius is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He also serves as treasurer of the Menlo College Alumni Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its advisory process.

Ava Fairlie is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, she worked at Stifel, Nicolaus & Company Inc and has experience in retail at Nordstrom. Ava also has a background in education, having worked at Burlingame High School and Santa Clara University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients, including financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, firm-approved planning process without providing individual security recommendations in standalone plans.