Hongmin Lu is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2010. His current roles include positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

C Warthen is a Wealth Management Advisor at Merrill Lynch Wealth Management based in San Jose, CA. In this role, C Warthen advises clients on managing their wealth to help them grow, retain, and transfer assets to the next generation. The services provided include retirement and education planning, banking, investments, lending, and wealth transfer strategies, utilizing the resources of Merrill Lynch Wealth Management and Bank of America N.A. C Warthen began their career in financial services in 1993 and serves clients who are successful in their fields, assisting them with a comprehensive approach that addresses individual financial goals. Their areas of client focus include education planning, employee benefits planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Educationally, C Warthen holds a Bachelor's Degree from San Jose State University. They have earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). C Warthen's personal philosophy centers on working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term financial goals.

Kuanyee Lee is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. Prior to her current role, she held positions in music education and youth orchestras. 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 services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Jose Navarro is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2016 and Wells Fargo Bank NA since 2015. Outside of his advisory role, Navarro's spouse owns and operates a business that manufactures and sells candles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third-party databases to support its investment strategies.

Christopher Villaflor is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America N.A. and Bank of America Merrill Lynch since 2022, following roles at U.S. Bank and other organizations. 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 developed by internal and third-party managers.

Xuan Tran is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 designations and has 12 years of industry experience. Prior to joining LPL Financial in 2019, Tran worked at Wells Fargo Clearing and Wells Fargo Bank NA. He is also a commissioned notary in the state of California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christine Ingesson is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 65 licenses. She has 21 years of industry experience, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Erick Liu is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and bringing five years of industry experience. His prior roles include positions at Bank of America, Merrill, J.P. Morgan Securities, and US Bank. In addition to his financial career, he serves as an Enlisted Second Class Petty Officer in the U.S. Navy Reserve. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets through more than 14,000 advisors, offering both brokerage and advisory solutions supported by research and analytics.

Phillip Chatoff is a financial advisor with Primerica Advisors based in San Jose, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His professional background includes roles at Abusix, Inc. and Bigmachines alongside his long tenure with Primerica Financial Services and PFS Investments Inc. Outside of investment-related activities, he is involved with Blue Heron Senior Services, LLC and serves as a digital coach. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and provides a tiered wrap-fee structure, focusing on a range of investment approaches including Strategic, Tactical, Tax-Aware, and Income Distribution models.

Lev Revutsky is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2011, following prior roles at Guardian Life and Merrill. Outside of advising, he is involved in writing on a home-based basis. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset management, supported by a large network of advisors and technology tools.

Muhammad Haq is a financial advisor at UBS Financial Services in San Jose, CA, holding a Series 66 designation with 25 years of industry experience. He has been with UBS since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 client plans.

Ryan Leiby is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank, N.A., Chase Investment Services Corp., Wamu Investments, Inc., and Citigroup Global Markets. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Pariss Minor is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo, Minor worked at Morgan Stanley and Fidelity Investments. Before entering the financial sector, Minor held positions at In-N-Out Burger, Montage International, and Valley Heating Cooling. 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 utilizes research and analytics to offer diversified portfolio solutions and provides a broad range of financial products through its affiliated bank and insurance entities.

Heath Hanich is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has built a practice focused on helping individuals, families, and businesses preserve, grow, and transition their wealth through personalized strategies aligned with their long-term goals. His advisory approach emphasizes trust, clarity, and tailored planning, guiding clients through various stages of life with confidence. With over two decades of experience in financial services, Heath began his career in 1999 as a part-time teller with Wells Fargo. While working full time, he earned an associate's degree from Bakersfield College followed by a Bachelor's Degree in Business Finance from Fresno Pacific University. He has held various leadership roles at Wells Fargo and also joined Wachovia, where he earned his FINRA registrations and supported clients across California. Approximately twelve years ago, Heath and his family relocated to Santa Cruz, where he achieved his goal of becoming a Financial Advisor and established a successful practice. Heath specializes in comprehensive wealth management, retirement planning, and investment strategies tailored to each client's unique needs. He holds the Personal Investment Advisor (PIA) designation. Heath resides in Santa Cruz, California with his wife Heidi and their daughter. Outside of his professional responsibilities, he stays active in the local community and contributes through his involvement with the Rotary Club of Santa Clara.

Joshua Kuo is a financial advisor with J.P. Morgan Securities based in Santa Clara, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and is the owner and operator of Shibui Vintage, LLC, a business involved in the collection, restoration, and trading of vintage timepieces. 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 searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG criteria in its investment recommendations.

Eric Han is a financial advisor with Ameriprise in Campbell, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliates since 2008. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written Recommendation Reports and ongoing retirement-income planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Patrick Lee is a Vice President and Financial Consultant at Fidelity Investments. In his current role since 2017, he works closely with his experienced team to leverage Fidelity's brand, technology, and platform. Patrick focuses on retirement, income, and wealth planning, aiming to understand clients' unique situations and help them define and achieve their financial goals. Prior to joining Fidelity, Patrick held positions as Vice President Senior Wealth Financial Advisor at Bank of the West from 2013 to 2017, and as Vice President Financial Advisor at Merrill Lynch from 2010 to 2013. He holds a California Insurance License.

Melissa Archibeque is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Outside her advisory role, she is associated with an entity named MS C A TRUST in a power of attorney capacity. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ayesha Muzaffar is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Morgan Stanley from 2015 to 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and customizes investment strategies using both in-house and third-party managers, with additional services such as financial planning, custody, and brokerage.

Eugene Park is a Financial Consultant at Fidelity Investments, bringing a comprehensive approach to financial planning. As a Certified Financial Planner™ professional, he provides guidance that integrates investments, tax-efficient investing, retirement planning, estate planning considerations, and risk management. Before joining Fidelity Investments in 2023, Eugene held various roles at J.P. Morgan Chase, including Senior Home Lending Advisor from 2020 to 2023, Branch Manager from 2016 to 2020, and Private Client Banker from 2011 to 2016. This experience has informed his holistic approach to financial consulting. Eugene holds a California Insurance License which complements his expertise in financial planning. He prioritizes ongoing education and adherence to rigorous standards, aiming to put his clients' interests first.