Michael Hack is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is the sole proprietor of Hack Family Orchard, an agricultural business in Los Gatos, California. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning services.

Julia Li is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2018, with prior roles at Wells Fargo and Citigroup firms dating back to 2002. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by firm-approved planning tools and a wide range of advisory programs.

Samuel Dwyer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 license and having 10 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and methodologies.

John Birkett is a Planning Consultant at Fidelity Investments, where he assists clients in Silicon Valley with developing comprehensive wealth plans tailored to their individual situations. He emphasizes understanding his clients' interests, passions, and goals to create flexible plans that can evolve with their changing lives. John has been with Fidelity Investments since 2021, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Prior to joining Fidelity, he worked as a Client Service Specialist at Charles Schwab from 2019 to 2021. He holds a California Insurance License.

Dimitar Kotov is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, supported by a centralized consulting team and algorithmic automation overseen by a Retirement Income Oversight Committee.

Thao Nguyen is a Planning Consultant at Fidelity Investments, a role she has held since 2023. She focuses on assisting clients in utilizing Fidelity's resources to pursue their financial goals. Thao emphasizes sharing knowledge and aims to empower clients to confidently manage the complexities of their financial situations. Thao's experience at Fidelity Investments includes previous positions as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2021 to 2022. She holds a California Insurance License.

Niki Canotas is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Associated Planners Investment Advisory Inc., Associated Securities Corp., and Capital Choice Investment Advisers, Inc. Outside of her advisory role, she is involved in a small business coaching and marketing venture and co-owns Mike & Niki's Honey Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using models, third-party subadvisors, and customized strategies.

Yvonne Tran is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 designation with 14 years of industry experience. Her career includes seven years at Charles Schwab and Charles Schwab Bank before joining Morgan Stanley Smith Barney LLC in 2018. Outside of her advisory work, she is involved in rental property management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 established investment tools.

Drake Kelly is a financial advisor with MassMutual Investors Services holding a Series 66 credential and has been in the industry since 2026. Prior to joining MassMutual, he worked at XILO and Optyo, and has experience with various fitness and service-oriented roles. He has also served in the Army National Guard. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative planning process using firm-approved software and provides specialized programs including estate settlement and divorce planning.

Bao Dinh is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Linda Ma is a financial advisor with J.P. Morgan Securities in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has worked at JPMorgan Chase Bank, NA, and J.P. Morgan Securities since 2017, and previously at Bank of America and Merrill from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to construct model asset allocations, with recommendations limited to eligible strategies and incorporating an ESG eligibility framework.

Albert Rodriguez is a financial advisor with LPL Financial in Morgan Hill, CA, holding Series 63 and Series 66 licenses and nine years of industry experience. His background includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Bank of America, Merrill, and BMO Harris Bank. He has also worked with sports and venue-related companies such as the Forty Niners SC Stadium Company LLC and Populous, The Teams Company, LLC. 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 advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes and investment approaches.

Hannah Han is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Charles Schwab since 2018, with prior experience at HSBC Bank USA and Wells Fargo Bank. Charles Schwab 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 guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options.

Rodolfo Estrada Rodriguez is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked with Wells Fargo and JPMorgan Chase Bank and Securities from 2016 to the present. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute alongside third-party sources.

Tze Hng is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds a Series 66 designation and has worked at several major firms, including Wells Fargo, Fidelity, Morgan Stanley, and Ameriprise. 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. The firm supports its advisory process with centralized due diligence and combines quantitative and qualitative research, offering access to a broad range of strategies including ESG-focused options.

Cynthia Lloyd is a financial advisor at Fidelity with Series 65 and Series 66 designations and two years of industry experience. She has held positions at Fidelity Investments and Fisher Investments, and previously worked in senior living and education. Outside of her advisory role, she occasionally works as a concierge at a senior living facility in Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios including mutual funds, ETFs, and fund-of-funds.

Volter Davoudi is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He has previously worked at UBS Financial Services and Wells Fargo Clearing. He is registered with Series 63 and Series 65 credentials. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with various financial product offerings and referral channels.

Gregory Yuen is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 credential and 12 years of industry experience. He previously worked at Cuso Financial Services for seven years before joining LPL Financial in 2020. 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 access, and institutional platforms.

Sukhminder Madtha is a financial advisor at Fidelity with two years of industry experience. Prior to joining Fidelity, he worked for Credit Suisse for three years and spent five years as a homemaker. He holds the Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research, quantitative analysis, and algorithmic methods. The firm serves a diverse client base and is notable for its roles as a commodity pool operator and advisor to multiple registered investment companies.

Samuel Cannon is a CFP® certificant with nine years of industry experience. He currently works at Cetera and has held advisory roles at JY WealthCare, Johanson & Yau, Avantax, and Fidelity Brokerage Services. He is involved in financial planning and wealth management through JY WealthCare, LLC and provides financial advisory services within Johanson & Yau, an accounting firm with a wealth management division. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of investment program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.