Ajay Kirpekar is a Series 66 licensed financial advisor with Edward Jones in Saratoga, California, and has one year of industry experience. Prior to joining Edward Jones in 2023, he worked at Principal Financial, University of California, Northrop Grumman, and RiversideRE. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Paul Peterson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at TD Ameritrade and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Sang Hyun Kim is a financial advisor with Morgan Stanley based in San Jose, CA. He holds a Series 66 designation and has three years of industry experience. Prior to joining Morgan Stanley, his work history includes roles at Microsoft, Robert Half, CBRE, and several restaurant positions. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured processes and firm-approved planning tools.

Salvador Cervantes Esquivel is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Bank of America, Merrill, Premier Security Solutions, and World Financial Group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Genesis Renteria is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, she works closely with clients to create personalized investment strategies designed to pursue their financial goals. She provides investment advice and access to banking and lending services through Bank of America. With expertise in general investing, retirement planning, and preparing for unforeseen financial needs, Genesis takes the time to understand what matters most to her clients. She focuses on developing tailored strategies by uncovering the priorities and goals of individuals and families. Genesis holds a Bachelor's Degree from California State University of Dominguez Hills. She also maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Ruby Lin is a financial advisor at RBC Capital Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at City National Bank, Bank of America, Merrill, and RBC Capital Markets. Lin is the owner of a personal charity LLC that makes donations primarily to organizations in Taiwan and other developing countries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Chiapei Lin is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, Lin worked with Avantax Insurance and Investment Services from 2019 to 2025 and at 1st Global Capital Corp from 2017 to 2019. Outside of advising, Lin is a member of an LLC that manages rental real estate housing his CPA firm and related entities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers across various program structures and custodial relationships.

Carrie Scaletta is a financial advisor at UBS Financial Services with 25 years of industry experience. She has held positions at UBS since 2019 and worked previously with Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory work, she plans travel for family and friends through a personal travel agency venture focusing on theme parks, cruises, and hotels. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Salma Rasheed is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over 17 years of experience in the financial services industry, having previously worked as a Financial Advisor and Investment Associate at Wells Fargo Advisors from 2007 to 2016. Throughout her career, she has assisted clients in developing, implementing, and maintaining personalized financial plans, even in challenging market conditions. Salma holds a California Insurance License and focuses on wealth planning, helping clients work toward their financial goals. She leverages the resources and platforms available at Fidelity to support her clients' financial objectives.

Ian Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, CA, holding a Series 66 designation with five years of industry experience. His prior work includes roles at UBS Group AG, Swenson Builders Inc., Golden State Activewear, and the University of Colorado at Boulder. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory network employs proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Richard Gamboa is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he is a self-employed musician in a band. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, integrating proprietary research and model-based asset allocations to tailor client plans.

Ismael Macias is a CFP® and Series 66 registered advisor with four years of industry experience. He currently works at Charles Schwab and has previous experience at JPMorgan Chase, Portola Hotel & Spa, and Best Buy. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and a formal alternative-investment process.

Mark Radesic is a financial advisor at Raymond James Financial with 21 years of industry experience and holds a Series 66 designation. He has worked with several entities within the Raymond James network since 2021 and previously with Unionbanc Investment Services. Outside his advisory role, he serves as an officer in a support company, WAMG & Co Inc. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs analytical tools to tailor non-discretionary planning and encourages implementation through its advisory programs while supporting specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Mary Lai is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in Cupertino, CA. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. Outside of her advisory role, she acts as trustee for a family trust overseeing several rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client advisory with access to affiliated discretionary separately managed accounts and conducts due diligence on alternative investments through its Schwab Center for Financial Research.

Brandon Loza is a financial advisor at Morgan Stanley in San Jose, CA, with eight years of industry experience. He holds Series 65 and Series 66 licenses and has worked at firms including Cetera Advisor Networks, Sageview Advisory Group, Futu Inc, Uber, and E*TRADE. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Chad Parker is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Ameriprise in San Jose, CA. He has been with Ameriprise and its affiliated entities since 2008. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement, typically with at least $1 million in net investable assets. The firm provides written, research-driven Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies, delivered through a centralized consulting team in collaboration with client advisors.

Nicholas Hoodecheck is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 credential and has worked at Charles Schwab and Charles Schwab Bank since 2021. His prior roles include positions at Thomson Reuters, KMG Consultants Inc, and Minnesota Vikings LLC. Charles Schwab serves a large client base primarily composed of 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 affiliated discretionary SMAs and offers a centralized operational model with extensive resources for alternative investments and cash management.

Alwa Gordon is a financial advisor with Wells Fargo Clearing in Capitola, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he is involved in music production and distribution through his business, 88 Over Everything, and also works as a driver for ride-sharing services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad investment menu, including insurance-related vehicles and bank deposit sweep options.

Molly Newborn is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Morgan Stanley in various capacities. Outside of her advisory role, she works as an independent contractor in editing and is also involved in portrait modeling. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Mimi Patterson is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.