John Roxas is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Bank, N.A. since 2005 and has spent the last 10 years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Matthew Prentice is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 credential and 19 years of industry experience. He previously worked at Merrill for seven years and UBS Financial Services for two years. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jeremy Hsia is a financial advisor at Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2019, preceded by roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank, N.A., as well as a period of self-employment. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Hongze Chen is a CFP® professional with 28 years of experience in the financial services industry. He has worked at MassMutual Investors Services since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 18 years at Metlife Securities Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Christopher Koyama is a Financial Consultant currently with Fidelity Investments, where he has worked since 2021. Prior to this, he held the position of Financial Consultant at E*TRADE Financial from 2018 to 2021, and served as a Private Client Advisor at Bank of the West from 2015 to 2018. Christopher holds a California Insurance License, supporting his work in wealth planning and financial consulting. His professional approach centers on building transparent relationships tailored to client priorities, leveraging his team's dedication and Fidelity's network to develop customized strategies. Outside of his professional role, Christopher is engaged in family activities, parenthood, and caring for pets.

Annie Wakayama is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Simon Lui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on high net worth individuals and their families, including their businesses, to navigate financial strategies. His expertise includes retirement planning, income distribution strategies, asset allocation, goal planning, education planning, insurance planning, company and business investments, and 401K and deferred compensation. Simon helps clients manage equity compensation services, family wealth management strategies, legacy planning, managing new wealth, philanthropic planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. Simon holds a Bachelor's Degree from San Francisco State University and is a Personal Investment Advisor (PIA). His professional experience includes extensive work in the finance industry prior to becoming a wealth manager, which he applies to assist clients in both short-term and long-term financial planning under changing market conditions. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Simon enjoys golfing, spending time with his family, and playing tennis.

Jeffrey Froshman is a CFP® certificant with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and is also a lecturer at California State University, Monterey Bay, a role he has held for over 30 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, providing a range of brokerage and advisory solutions.

Christopher Ortiz is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes positions at Wells Fargo and Union Bank of California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG criteria where applicable.

Ardeshir Toussi is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual planning and corporate financial planning agreements.

Duncan Eng is a financial advisor with OSAIC based in Los Gatos, California. He holds a Series 63 designation and has 32 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation and Osaic FA, Inc. for over two decades. Additionally, he is licensed to offer various insurance products, including accident and health, disability, fixed and traditional life insurance, health savings accounts, and indexed annuities. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, managed portfolios, third-party money manager programs, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization through a complex affiliate network and proprietary investment strategies.

Esther Teng is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools.

Khanh Nguyen is a financial advisor at Merrill in San Jose, CA, with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and JP Morgan Chase in various roles over the past decade. 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 a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Niloufar Sattary is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2021. Outside of her advisory role, she has been involved with the International Rescue Committee since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Andrew Clift is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 63 designation and 43 years of industry experience. He has worked within various Morgan Stanley entities since 1997, including Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Eric Anderson is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America, N.A. Prior to his current role, he was at these firms for a decade each. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s process combines systematic quantitative screening with qualitative research, incorporating forward-looking capital market assumptions and an ESG eligibility framework.

Albert Hsia is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 credential and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and has involvement in business ownership through partnerships that manage office expenses and other non-investment-related activities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides clients nearing or in retirement with written recommendation reports and ongoing tax-aware income planning. The firm’s approach combines proprietary investment research with third-party data and algorithmic tools to deliver retirement strategies within a specific investment product ecosystem.

Timothy Mills is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding the Series 66 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at J.P. Morgan Securities LLC, Merrill, Bank of America, TD Ameritrade, Fisher Investments, and Charles Schwab. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Adams Jr. is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and over 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of advising, he is a co-founder of Project Transcend, a software-as-a-service social media platform focused on privacy and authentic storytelling. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools.

Sicong Kang is a financial advisor with Wells Fargo Clearing based in San Jose, CA, holding Series 63 and Series 66 designations and six years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of America, NA. 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 both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.