Rachel Endo is a financial advisor at Edward Jones in Pleasanton, CA, holding a Series 66 designation and beginning her industry experience in 2023. Prior to joining Edward Jones, she worked at Mary Kay Cosmetics for fifteen years and operated The Ranch Pet Resort & Spa for one year. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a broad range of advisory services through a large national network of advisors and branch offices.

Freddie Vidrio is a Financial Consultant at Fidelity Investments, a position he has held since 2018. He has accumulated 26 years of experience in the financial services industry, with extensive expertise in complex guidance and in-depth retirement planning. Prior to his current role, Mr. Vidrio served as an Investment Consultant at Fidelity Investments from 2012 to 2018. His career includes roles as Vice President Financial Advisor at J.P. Morgan Securities LLC from 2012 to 2013 and at Chase Investment Services Corp from 2010 to 2012. Additional experience includes serving as Financial Advisor at CUNA Brokerage Services, Inc. from 2009 to 2010 and U.S. Bancorp Investments, Inc. from 2003 to 2009. Earlier in his career, he worked as a Personal Banker at US Bank and as a Teller at Bay View Bank. Mr. Vidrio holds a California Insurance License.

Christine Meyer is a financial advisor at Fidelity with five years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at Merrill and Bank of America. Outside of her advisory role, she operates Beyond Bowls, reselling dough bowls at an outdoor marketplace in Danville, California. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, CA. 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 plans, corporations, and charitable organizations.

Sze Wai Kwok is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. Kwok has worked at Charles Schwab Bank and Charles Schwab since 2019 and previously held roles at Bank of America, Merrill, Bancwest Investment Services, and Bank of the West. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios and a formal alternative-investment process.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Chelsie Lui is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, she held roles at Meta, Burberry, and other companies across various sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and it maintains formal advisory roles with multiple registered investment companies.

Ian Epstein is a financial advisor at Fisher Investments with 22 years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2004. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm uses a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Tuyetanh Tran is a financial advisor with J.P. Morgan Securities based in Newark, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her work history includes roles at J.P. Morgan Securities since 2018 and Chase Investment Services Corp from 2011 to 2018. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities through related affiliates.

Hana Redzic is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2022 and joined Merrill in 2020. Outside of financial advising, she owns a photography and social media business called Maass Photography. 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 a range of model-based and discretionary strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marc Larhette is a CFP® professional with 36 years of industry experience. He is currently with Osaic and previously worked at Woodbury Financial for 17 years and Equitable Advisors for 2 years. Larhette serves as chair of the education committee for the International Society of Certified Employee Benefits and holds officer and ownership roles in employee benefits firms. Osaic Wealth serves a diverse client base—including individual investors, retirement plan sponsors, charities, and corporate clients—through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, recent consolidation, and complex affiliate network.

Jiaze Li is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, and HSBC Securities (USA) Inc. Prior to his financial services career, he worked as an Accounting Principal at Sephora/Adecco NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and includes broader derivatives and commodities capabilities.

Craig Rochin is a financial advisor with LPL Financial in Walnut Creek, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2009 and previously worked at FSC Securities Corporation. He also provides clients with life insurance through Flight Financial Group, an affiliated non-variable insurance business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and proprietary research tools.

Timothy White is a financial advisor with UBS Financial Services in Dublin, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has previously worked with firms including Morgan Stanley, Guardian Life Insurance Company, and Wells Fargo Advisors. Outside of his advisory work, Timothy co-owns Hidden Apex LLC, a digital marketing and media company he operates with his wife. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Catherine Bradford is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 65 licenses, and has 27 years of industry experience. She has worked at Cetera and its affiliated entities since 2020 and previously spent five years at TIAA-CREF. She also teaches certified financial planning courses as an instructor at UC Berkeley Extension. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with options including model portfolios, third-party managers, and bespoke strategies.

Ming Chen is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Charles Schwab since 2007. Outside of his advisory role, he owns and manages several rental properties in California and Nevada. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset, model portfolio investment approach.

Jakub Urban is a financial advisor with J.P. Morgan Securities in Walnut Creek, CA, holding Series 63 and Series 65 credentials and over 23 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2010, with prior roles at Banc of America Investment Services, Wells Fargo Investments, Piper Sandler & Co., Wells Fargo Clearing, and Prudential Equity Group. 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 within a non-discretionary program framework.

Campbell Judge is a financial advisor at LPL Financial with 34 years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at Ameritas Investment Company, Boom Planning, and Fidelity Investments. 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 participant-level retirement advice, supported by extensive resources and technology.

Justin Saar is a Financial Consultant currently working at Fidelity Investments since 2020. He partners with clients to understand their financial situations and goals, developing tailored financial plans that are regularly reviewed and refined. He emphasizes the importance of building strong, trustworthy relationships with clients and their families. Prior to his current role, Justin served as a VP-Financial Solutions Advisor at Bank of America Merrill Lynch from 2018 to 2020 and as a Financial Advisor at Edward Jones Investments between 2017 and 2018. He holds a California Insurance License. Outside of his professional career, Justin has interests in cars, family activities, and outdoor adventures.

Bryan Furlong is a financial advisor at Morgan Stanley with 41 years of industry experience and holds a Series 63 designation. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client goals.