Zachary Lopes is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2023. Prior to his career in financial advising, he spent ten years as a student. Charles Schwab & Co., Inc. serves a large client base, 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 and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Benigno Gonzalez is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill, Comerica Securities, and Charles Schwab. Outside of his advisory work, he owns a rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and employs a range of investment strategies, including ESG considerations.

Ryan Lee is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, utilizing a centralized consulting team to provide detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, Meyer is involved in spiritual development as a teacher and author, and she owns Golden Hour Video. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities in Pacifica, CA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held roles at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of financial services, he was involved with La Costanera for ten years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process includes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a focus on eligible investment strategies.

Jonathan Tran is a financial advisor at Fisher Investments in San Mateo, CA, holding a Series 65 credential with 13 years of industry experience. He has been with Fisher Investments since 2011. Fisher Investments serves a diverse global client base including institutional and private clients such as pension plans, foundations, investment companies, and high-net-worth individuals. The firm offers discretionary portfolio management with a centralized investment approach that combines quantitative and qualitative research to construct diversified portfolios across equity, fixed income, and blended mandates.

Jean Fan Ning is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent nine years with Wells Fargo Investments, LLC. 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Andrew Carlisle is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at FactSet Research Systems and PricewaterhouseCoopers. He has been with Morgan Stanley Smith Barney LLC since 2022 and Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate industry-standard modeling techniques without providing individual security recommendations.

Jerson Dominguez Vasquez is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, Costco Wholesale, and various educational institutions. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and pension plans.

Travis Benjamin is a CFP® professional with 13 years of industry experience, currently affiliated with Edward Jones since 2016. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a manager of Triumphant Estates, LLC, a rental property business in Brooklyn, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Philip Hoang is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley since 2010 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both 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 employs structured planning tools and strategies designed around their Global Investment Committee’s return estimates.

Fiona Woo is a Financial Consultant currently at Fidelity Investments, where she has been serving since 2019 in various roles, including Financial Consultant, Financial Consultant I, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity Investments, she worked as a Financial Solutions Advisor at Merrill Edge and as a Personal Banker at Citibank. Her professional experience spans client relationship management and investment consulting. She holds a California Insurance License, supporting her ability to provide comprehensive financial planning services. Fiona partners with clients to develop personalized financial plans that align with their goals and values, offering thoughtful, ongoing guidance through different life stages. Outside of her professional work, Fiona's personal interests include music and traveling.

Connor Mc Cormack is a Series 66 licensed advisor with four years of industry experience, currently with OSAIC since 2025. He previously worked for nine years at Lincoln Financial Advisors – Michael J. McCormack. Outside of his advisory role, he provides administrative services through Old Mill Advisory Services and works as an insurance agent offering health, disability, annuities, long-term care, and life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services focused on model-based asset allocation, portfolio optimization, and a range of managed account programs.

Vincent LaRocca is a Planning Consultant at Fidelity Investments. He collaborates with clients to design financial plans that align with their unique goals and aims to empower them to make informed decisions by building a roadmap together towards financial success. Vincent has held several roles within Fidelity Investments, including Planning Consultant since 2024, Relationship Manager in 2024, and Financial Representative from 2023 to 2024. He holds a California Insurance License.

Michael Muir is a financial advisor at Fisher Investments with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Northwestern Mutual from 2014 to 2018 in various capacities. Outside of finance, he is involved in establishing an LLC that provides consulting services related to travel planning. Fisher Investments manages discretionary portfolios for a global client base, including institutional and high-net-worth investors, utilizing a centralized Investment Policy Committee to construct diversified portfolios with tax-aware and risk management strategies.

Scott Levaggi is a financial advisor with Merrill in San Mateo, CA, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He has been with Merrill since 2008. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Lisa Rose is a financial advisor with UBS Financial Services in San Mateo, CA, holding the Series 66 designation and bringing 23 years of industry experience. She has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to client goals and risk tolerances.

Pierre Andre Volpe is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Hallmark Aviation Services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

James Marguet is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 43 years of industry experience. His career includes long tenures at Citigroup Global Markets and Morgan Stanley Smith Barney, currently serving at Morgan Stanley Private Bank. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and strategies.