Ken Ngo is a CFP® professional affiliated with Edelman Financial Engines, with nine years of industry experience. His career includes roles at Wells Fargo Clearing, Charles Schwab Bank, JPMorgan Chase Bank, and Fidelity Brokerage Services. He is based in Danville, CA. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, managing diversified portfolios with a long-term focus and offering both discretionary and non-discretionary advice.

Nancy Robertson is a financial advisor at Cambridge Investment Research Advisors with 33 years of industry experience. She holds the Series 63 and Series 65 credentials and has been with Cambridge Investment Research firms since 2016. Outside of her advisory role, she is also an insurance agent with Protected Investors of America. Cambridge Investment Research Advisors serves a broad range of clients including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services. The firm utilizes a network of independent Financial Professionals and offers multiple investment platforms and strategies, including proprietary models and third-party options.

Jay Gilson is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 11 years of industry experience. Prior to joining Raymond James, he worked at Summit Financial Group and Securian Financial Services. Outside of advising, Gilson operates Gilson Consulting, providing accounting and tax consulting services to a long-term client. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm delivers non-discretionary, tailored planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliate arrangement.

Jonathan Lee is a CFP® and ChFC® with 21 years of industry experience. He has been with OSAIC since 2025 and previously worked for Lincoln Financial Advisors Corporation for 12 years. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party managers and wrap programs. The firm uses asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various investment types on both discretionary and non-discretionary bases.

Marian Nguyen is a financial advisor with Cambridge Investment Research Advisors and holds a Series 65 designation. She has three years of industry experience, including roles at Rainer Wealth Management and H&R Block. Outside of her advisory work, she is the owner of Reiki Properties, LLC, a real estate business based in Scottsdale, AZ. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations by offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment implementation options across multiple platform arrangements, utilizing both proprietary and third-party strategies.

Purav Patel is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked within various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. 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’s investment approach combines fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios made from mutual funds, ETFs, and ETPs, and maintains distinctive capabilities such as CFTC registration and advisory roles to multiple investment companies.

Bradley Noval is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 63 designation and 30 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-efficient withdrawal strategies.

Ralph Short Jr. is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services in various locations from 2016 to 2025. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm customizes investment strategies to clients’ risk profiles and utilizes both in-house and third-party investment managers.

Haiau Ho Nguyen is a financial advisor at Fidelity with 12 years of industry experience and holds a Series 66 designation. His career includes roles at JPMorgan SECURITIES LLC and various divisions within Fidelity since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse clients, including retail and institutional investors, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also engages in formal advisory roles for multiple registered investment companies and employs systematic methodologies incorporating AI and long-term asset allocation benchmarks.

Anthony Giuliano is a financial advisor with Osaic Wealth, Inc. based in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including prior roles at Securities America Advisors, Inc. and Foothill Securities, Inc. Giuliano also owns a tax preparation and planning business, which he integrates with his investment advisory work. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and managed accounts. The firm employs asset-allocation tools and risk-tolerance assessments to build diverse portfolios and supports both discretionary and non-discretionary account management.

Morgan Javonillo is a Planning Consultant at Fidelity, a role held since 2025. Prior to this position, Morgan worked as a Relationship Manager at Fidelity from 2023 to 2025 and as a Financial Representative at Fidelity from 2021 to 2023. Morgan began their financial services career as a Relationship Banker at Bank of America in 2021. Morgan holds a California Insurance License and focuses on building strong client relationships to develop financial plans tailored to individual values and needs. Their approach involves understanding both short-term and long-term goals to ensure that financial plans remain relevant and effective over time. Outside of their professional work, Morgan enjoys baseball, comedy, social events with friends, music, and snowboarding.

Ross Irmer is the Vice President and Financial Consultant at Fidelity Investments. He has held various roles within Fidelity, progressing from Financial Representative in 2018 to his current position since 2026. Ross has experience in financial consulting and relationship management, with prior roles including Senior Revenue Analyst at Effectus Group, Senior Revenue Accountant at Palo Alto Networks, and Auditor in public accounting at Ernst & Young LLP. He holds a Certified Financial Planner™ designation and an MBA with a concentration in Finance. Ross is licensed for insurance in California. He focuses on providing a responsive and efficient approach to financial planning, leveraging Fidelity's resources to assist clients with their financial goals.

Richard Huber is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various Morgan Stanley entities since 1997, as well as at Citigroup Global Markets from 2007 to 2009. He is based in Pleasanton, California. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Xinqing Lai is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Prior to joining LPL Financial, Lai worked at HSBC Securities and HSBC Bank USA for nine years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research, operational tools, and a broad set of non-advisory financial products.

Anthony Schmidt is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Minjoo Lee is a financial advisor at Cetera with 14 years of industry experience. She holds the PFS™ designation and securities licenses Series 63 and Series 65. Lee has previously worked at Avantax Insurance Services and Son & Associates, and she operates Minjoo Lee CPA, providing accounting, bookkeeping, tax preparation, payroll services, and insurance assistance. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 advisory guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Kathryn Pancoast is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Jeffrey Quintero is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources in its investment approach.

Marcus Leung is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual since 2007. Outside of his advisory role, he manages a residential property as a landlord. Mass Mutual 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, providing structured, collaborative planning engagements using firm-approved tools to support client goals.