Benjamin Yohanan Jr. is a financial advisor with OSAIC in San Mateo, CA, holding a Series 63 designation and 33 years of industry experience. He has worked at OSAIC since 2024 and previously spent 15 years with Securities America Advisors, Inc. He also owns and operates Ben Yohanan Annuity & Insurance Agency, Inc., where he has been involved in fixed annuity and limited life insurance sales since 1990. Outside of his advisory work, he serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money manager programs.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Brian Bechelli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and J.P. Morgan Securities and Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Chris Stephens is a financial advisor at Fisher Investments with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fisher Investments since 2001. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment policy committee and a combination of quantitative and qualitative research to construct diversified portfolios, providing services that include sub-advisory management and retirement plan solutions.

Kevin Hatch is an advisor at LPL Financial in San Carlos, CA, holding Series 63 and Series 65 credentials with 33 years of industry experience. He has been affiliated with LPL Financial since 1995 and has been self-employed since 1993. Hatch’s other business activities include servicing existing fixed term life insurance policies outside of LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, utilizing various portfolio strategies and advisor-support tools.

Adam Glatz is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2019, with prior experience at JPMorgan Chase Bank, Bank of America, and PNC. 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 written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, incorporating an ESG eligibility framework and derivatives capabilities.

Jeffrey Chu is a financial advisor at Edward Jones with two years of industry experience. Before joining Edward Jones in 2023, he worked at Iron Mountain Inc. and Alfresco Software. Outside of his advisory role, he participates as a limited partner in a solar systems investment fund. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and affiliated investment products. The firm is notable for its extensive national network of advisors and branches and offers both discretionary and non-discretionary strategies under a fiduciary standard.

Zachary Timko is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked previously at Merrill and Bank of America. His current role includes work with Morgan Stanley Private Bank, N.A. and Morgan Stanley in Menlo Park, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

James Yeager is a financial advisor at UBS Financial Services in San Mateo, CA, with 19 years of industry experience. He holds the Series 66 designation and has been with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm provides institutional trading capabilities alongside wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Barbara Sabol Rosasco is a financial advisor with LPL Financial based in San Mateo, CA, holding a Series 66 designation and 16 years of industry experience. Her career includes prior roles at Peninsula Connections, Waddell and Reed, and various insurance carriers. She is also involved with Kasumisou Gallery, an art business operating since 1998, through which she sells products online. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party management, supported by extensive technology and a broad network of advisors.

Asel Vladychkin is a Financial Consultant at Fidelity Investments, a role held since 2025. Prior to this, Asel worked as a Planning Consultant at Fidelity Investments from 2023 to 2025, and served as a Premier Banker at Wells Fargo from 2013 to 2023. Asel holds a California Insurance License. At Fidelity, Asel focuses on partnering with clients in person to understand their financial situations and future financial needs, aiming to simplify and make financial management more convenient for customers.

Kimberly Dunne is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2010 and Bank of America, N.A. since 2011. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Stan Sklenar is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a co-author involved with Larstan Publishing, where he contributes to a book on investment management. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships as well as corporate financial planning agreements.

Julius Brauner IV is a financial advisor at Osaic with 46 years of industry experience. He holds a Series 63 credential and has worked previously at Securities America Advisors Inc, Securities America, Inc, and The Brauner Company. Outside of advisory roles, he operates as an insurance agent focusing on term life insurance and fixed annuities. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process featuring portfolio optimization and multiple advisory strategies, supported by a broad affiliate network and private-equity ownership.

Julia Seydlitz Falchi is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. She previously worked at E*Trade Securities LLC and E*TRADE Capital Management LLC from 2011 to 2019. Outside of her advisory role, she teaches yoga, serves on the advisory board of the San Francisco Skate Club, and has acted in the indie film "The Yogi Trademark." Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research.

Jacqueline Kehoe is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Carol Chang is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Cetera since 2025. She previously worked at Avantax Advisory Services and its affiliated entities for nearly two decades. Outside of her advisory role, she serves as the elected Captain of the Half Moon Bay Women's Golf Club, leading its board and representing the club at regional meetings. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Philip Horowitz is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney from 2012, and WHV Investments, Inc. from 2007 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and combines structured planning tools with broad retail and institutional investment offerings.

Paige Skrabo is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Before joining Morgan Stanley, Paige worked at Free People for three years and attended San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Kate Martinez is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning her career in financial services in 1998, she has developed expertise in financial planning, portfolio management, and retirement income strategies. Prior to joining Merrill Lynch in 2008, she spent eight years at Wells Fargo Investments where she served affluent clients in managing their financial assets. Kate's approach involves thoroughly understanding her clients' personal and financial needs to establish objectives and develop customized strategies addressing both short-term and long-term concerns. She conducts regular quarterly reviews and annual financial planning audits to ensure clients remain on track to meet their financial goals. She collaborates closely with clients' attorneys, accountants, and insurance professionals to support an attainable path toward their objectives. Kate holds a Bachelor's degree in Finance and Accounting from San Francisco State University. She has earned the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp. Fluent in Mandarin and Cantonese, Kate volunteers at her children's school and enjoys spending time with her family, hiking, cooking, and gardening.