Isaac Cowen is a financial advisor with Charles Schwab in San Ramon, CA, holding a Series 66 designation and five years of industry experience. His work history includes positions at Charles Schwab Bank, Banc West Investment Services, Bank of the West, and Bank of America. 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, offering multi-asset model portfolios and alternative investment options within a large-scale, integrated operational structure.

Justin Green is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial industry, beginning his career in 2002. He is committed to helping clients achieve their financial goals by providing personalized wealth management strategies tailored to their individual circumstances. Justin works closely with clients to simplify complex financial matters through time-tested investment and planning principles, offering access to a full spectrum of investment choices alongside the resources of Merrill Lynch and Bank of America. His expertise covers areas such as retirement planning, tax minimization, estate planning services, lifetime income management, college education planning, family wealth management strategies, and portfolio management services. Justin emphasizes building enduring relationships by gaining a deep understanding of his clients' lives and priorities, ensuring that each financial strategy aligns with their long-term goals. Justin holds a Bachelor of Science degree in Business Administration with majors in Finance and Banking from San Francisco State University. He carries the designation of Personal Investment Advisor (PIA). Fluent in English and Spanish, he resides in San Ramon, California, with his wife Susy and two children, Jovany and Vanessa. Outside of his professional interests, Justin enjoys baseball, hiking, swimming, traveling, and exploring different cultures.

Nikolai Papa is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, OSAIC, Minnesota Life, and Sgc Financial. In addition to his advisory work, he teaches a retirement planning class part-time at the City College of San Francisco Extension. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Charlie Park is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2019 and was previously involved with C.H. Trading Co. DBA OK Beauty Supply for thirteen years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stephanie Hepp is a Series 66 licensed financial advisor with Merrill, where she has worked since 2016. She has 18 years of experience in the industry and is based in Pleasanton, CA. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

Techen Hwang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2013 and also has experience with JPMorgan Chase Bank, N.A. dating back to 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

Cody Rasmussen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Jhfn Sii before joining OSAIC in 2018. Rasmussen serves as a Major in the United States Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. He is also involved as a managing associate in a sole proprietorship insurance brokerage specializing in life, annuities, disability, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm integrates brokerage and advisory services with financial planning, retirement consulting, and access to third-party money managers, utilizing a variety of asset-allocation tools and investment options to construct portfolios tailored to client needs.

Timothy Argyres is a CFP® professional with 25 years of experience in the financial services industry. He is currently with J.P. Morgan Securities and has previously worked at First Republic Investment Management and Bank of America, among other firms. Outside of his advisory role, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Ben Kim is a Series 66-licensed financial advisor at J.P. Morgan Securities with four years of industry experience. He has been with J.P. Morgan Securities since 2021 and concurrently works at JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas O'Neill is a financial advisor at OSAIC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 2009 to 2025. Outside of advisory services, he is also an insurance agent offering accident/health insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes for discretionary or non-discretionary management.

Christian Dominguez is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 65 and Series 63 designations and has worked at several firms, including Principal Life Insurance Company, Principal Securities Inc, TruWest, and Princor Financial Services Corporation. Outside of his advisory role, he is involved with FAST TRACK FINANCIAL, LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and technology-driven solutions.

Michelle Massey is a Wealth Management Advisor at Merrill Lynch Wealth Management, with over 20 years of experience in the industry. She specializes in a coordinated wealth management approach that aims to simplify wealth accumulation, provide protection, and plan for future generations. Her client focus areas include college education planning, corporate executive services, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, and philanthropic planning. Michelle holds multiple professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's and Master's degrees from the University of Phoenix. Outside of her professional responsibilities, Michelle is involved in her community through the North Pleasanton Rotary. In her spare time, she enjoys camping, hiking, gardening, and volunteering for children and veterans.

Stephen Koh is a financial advisor with Mass Mutual Investors Services in Hayward, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life since 2007. Outside of his advisory work, he serves as a pastor, preaching and pastoring in Fremont, CA. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using collaborative, software-supported analyses to develop client recommendations.