Charles Elliott is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has been with Wells Fargo Advisors since 2012 and holds Series 63 and Series 65 designations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition and special-needs analysis.

Matthew Fortuna is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at Merrill for 21 years and spent time at the University of Notre Dame and another firm in 2018 and 2019. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, employing various modeling techniques without providing individual security recommendations as part of standalone plans.

Kevin Ho is a financial advisor at Morgan Stanley in Palo Alto, CA, with eight years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Rodger Hobbs is a CFP® professional with 20 years of industry experience, currently serving as an advisor at OSAIC since 2023. He previously worked for Royal Alliance from 2012 to 2023. Outside his advisory role, Hobbs operates a sole proprietorship, Von Baron Wealth Management, offering life and health insurance, and principals a tax preparation and planning service under Baron Tax Services. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutional clients, providing brokerage, advisory, and financial planning services. The firm employs a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment types either discretionary or non-discretionary.

Andrew Chang is a Series 66-licensed financial advisor with Morgan Stanley in Palo Alto, California, where he has worked since 2015. He has 13 years of industry experience. Outside of his advisory role, he is involved in a real estate property ownership activity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including direct individual plans and corporate financial planning agreements.

David Foreman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he serves as an elder at Cedar Grove Community Church. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Todd Nelson is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Scott Hamaguchi is a financial advisor with Raymond James Financial in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has worked at Raymond James and affiliated firms since 2012 and also provides sales support at Addison Avenue Investment Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting through Wealth Advisory Services, emphasizing tailored plans developed via detailed client assessments and supported by extensive firm research.

Courtney John is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Courtney partners with advisors to provide detailed and comprehensive service and planning support tailored to high-net-worth clients. Courtney collaborates closely with clients to understand their unique financial goals and to develop personalized strategies that align with their priorities. Courtney's experience at Fidelity Investments includes roles as an Investment Consultant from 2023 to 2025, a Relationship Manager from 2022 to 2023, and a Financial Representative from 2021 to 2022. Courtney holds a California Insurance License. Outside of professional responsibilities, Courtney's personal interests include gardening, golf, painting, skiing, and surfing.

Robert Diaz is a Series 66 licensed financial advisor at Edward Jones with nine years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at RDSquared, various insurance carriers with W&R Insurance Agencies, Waddell & Reed Inc, and Asset Conversion Corp. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,000 financial advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and other services.

Alfred Pasaoa is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding the CFP®, ChFC®, and Series 66 designations. He has 19 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors since 2013. Outside of his advisory work, he owns and manages an investment-related LLC focused on Freddie Mac investments. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients through a broad range of financial planning and investment services. The firm offers specialized planning services and integrates advisory offerings with other financial products and referral channels.

Phu Nguyen is a financial advisor with Fidelity Investments in San Jose, CA, holding Series 63, Series 65, and Series 66 designations and bringing 19 years of industry experience. His prior work includes roles at Jones Lang LaSalle and running The Maintenance Concierge Inc. for nine years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage funds and model portfolios, employing systematic methodologies and oversight in its investment processes.

Gemma May Labar is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Outside of her advisory role, she operates an online retail business on Poshmark. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools in its advisory process.

Kathryn Lindfelt is a CFP® professional affiliated with LPL Financial, with 17 years of industry experience. She has worked with Sequoia Wealth Advisors & Investment Management, Inc. for the past 10 years while also associated with LPL Financial since 2011. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Edward Dinan is a financial advisor at Edelman Financial Engines with 16 years of industry experience. He holds a Series 66 designation and has been with Financial Engines Advisors L.L.C. since 2013. Outside of his advisory role, he serves as Treasurer and CFO for Samye, a 501(c)(3) religious organization, where he manages bookkeeping, bank accounts, taxes, and stock donations on a volunteer basis. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients, managing model-based and customized portfolios while supporting a large client base through advisor-led and online platforms.

Samira Memic is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, the Berman Skin Institute, Elco Electric Inc, San Francisco State University, and De Anza College. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through direct and corporate financial planning agreements.

Rocky Yip is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at JP Morgan Securities LLC and JPMorgan Chase Bank since 2017, with prior experience at Wells Fargo Bank and Cinemark Theaters. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Robert Fazo is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 1996. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a wrap-fee arrangement. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with custody and execution handled by Pershing and Primerica Brokerage Services.

Luvien Tran serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, Tran focuses on helping clients develop personalized wealth management strategies that align with their comprehensive financial goals. Tran works to create flexible strategies adapted to changing market conditions, leveraging investment insights from Merrill and banking and lending solutions from Bank of America. Tran's expertise encompasses education planning, family wealth management, services for endowments, foundations, non-profits, defined benefit plans, personal retirement planning, portfolio management, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Tran holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tran earned a bachelor's degree from the University of California Berkeley. In addition to professional work, Tran participates in community service through volunteering with local organizations, reflecting a commitment to the communities served. Tran follows a philosophy centered on connecting all aspects of a client’s financial life to prioritize and pursue the most important goals.

Kevin Harrington is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved with a trust-related business activity in San Francisco. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and provides services in both advisory and brokerage capacities.