Brent Ross is a CFP® with 19 years of industry experience, currently affiliated with LPL Financial. He previously worked at Securities America, Inc. for 18 years and has maintained DC Design Studio since 2000. 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 and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advisor-facing technologies and a broad platform of non-advisory financial products.

Zelin Yang is a financial advisor at Merrill in San Jose, CA, holding a Series 66 designation. Yang has experience at Merrill since 2021 and previously worked at the Industrial and Commercial Bank of China from 2011 to 2017. Between these roles, Yang focused on homemaking for four years. 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 serves individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies constructed by internal and third-party managers.

Vaishali Harirajan is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked primarily with JPMorgan Chase Bank N.A. and J.P. Morgan Securities since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative due diligence and includes capabilities in derivatives and commodities through related affiliates.

Sandra Jerez is Vice President and Branch Leader at Fidelity Investments, where she leads a team of Financial Consultants and investment service associates. In her role, she oversees all aspects of branch operations, including customer interactions, team building, and training strategies. Sandra focuses on developing associates and managing operational activities to provide value to clients and assist them in achieving their financial goals through planning. Prior to joining Fidelity Investments in 2023, Sandra held positions at Merrill Lynch, serving as Performance Manager from 2019 to 2022 and as Market Leader from 2013 to 2019. She holds a California Insurance License.

Aaron Correll is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2022. He partners with individuals, families, and businesses to develop personalized financial strategies aimed at achieving financial success and freedom. His approach emphasizes focusing on controllable factors to maintain and elevate clients' financial positions. Aaron has extensive experience in the financial services industry, having served as a Financial Consultant at Fidelity Investments from 2018 to 2022. Prior to that, he held positions at JPMorgan, including Vice President - Private Client Advisor from 2017 to 2018 and Assistant Vice President - Private Client Banker from 2013 to 2017. He holds a California Insurance License.

Brian Stevens is a financial advisor with Wells Fargo Clearing based in Santa Cruz, CA. He holds Series 63 and Series 66 licenses and has 17 years of industry experience, including 13 years at Charles Schwab and Charles Schwab Bank before joining Wells Fargo Clearing in 2024. 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 advice. The firm’s approach is guided by investment policy statements and modern portfolio theory, and it includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Phoebe Zhang is a financial advisor at Charles Schwab with a Series 66 license and experience working at Charles Schwab and Charles Schwab Bank since 2024. Prior to entering the financial industry, she held positions at Guardant Health, CVS Pharmacy, and in education. Charles Schwab serves a large client base primarily consisting 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 both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and centralized operational support.

Salvatore Saso is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a range of client focus areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Salvatore holds the Professional Investment Advisor (PIA) designation and earned his Bachelor's Degree from San Jose State University. His expertise supports clients in achieving their financial goals through comprehensive planning and management strategies aligned with their individual needs.

Bruna Leonel is a Senior Financial Advisor with the Stoll-Sablan Group at Merrill Lynch Wealth Management. She helps individuals, families, and businesses navigate their financial journeys by providing thoughtful, personalized guidance tailored to clients' unique goals. Bruna focuses on a range of areas including divorce transition planning, education planning, investment consulting for defined contribution plans, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Originally from Brazil, Bruna has lived in the United Kingdom and Australia before relocating to Guam. She earned a Bachelor's Degree in Economics with a major in International Trade and Finance from the University of Queensland. Her professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bruna is fluent in English and Portuguese. Outside of her professional role, Bruna enjoys hiking, reading, running, soccer, swimming, and volleyball. She is involved in community activities such as beach clean ups and participates in Guam Young Professionals.

David Gambelin is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked at 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 individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and research.

Lisa Furlong is a CFP®-certified financial advisor with 21 years of industry experience. She is currently with Cetera and has previously worked at Avantax and LPL Financial. She is a partner at Mayer & Associates Advisory LLC, where she provides financial planning and investment advisory services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts, offering diverse portfolio management and advisory services through a large network of independent advisors.

Madalina Andrei is a CFP®-designated financial advisor with 15 years of industry experience. She has been with Edward Jones since 2012, working out of Mountain View, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Joshua Sangalang is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Charles Schwab Bank and various positions outside finance, such as at Bennies Bread and Pumpernickel Pickle Catering Company. 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 discretionary separately managed accounts, integrating a broad range of investment options and centralized operational support.

Luke Sweet is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 license with six years of industry experience. Before joining Morgan Stanley in 2018, he worked at Lyft for one year and spent two years at the University of California, Davis. Sweet also served in the United States Army National Guard from 2008 to 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Fred Rice is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at Charles Schwab, E*TRADE, J.P. Morgan Securities, and Royal Alliance Associates. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Yang Chen is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients identify their financial priorities and develop strategies to pursue their financial goals. Yang holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Master's Degree from Boston University and a Bachelor's Degree from Indiana University.

Jacqueline Mayer is a CFP® certificant with 44 years of industry experience, currently advising at Cetera. Her career includes roles at Avantax Investment Services and LPL Financial, as well as managing her own firm, Mayer & Associates Advisory LLC. Outside of her advisory work, she manages a separate business that involves leasing office space. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering a range of portfolio management and advisory services through a network of over 10,000 advisors.

Sameer Kalra is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at UC San Diego and UC Santa Cruz, as well as a four-year tenure at UPS. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Jess Carkner is a Series 66 licensed financial advisor at OSAIC with 19 years of industry experience. Prior to joining OSAIC, Carkner worked at Securities America Advisors, Inc., KMS Financial Services, LPL Financial, and Edward Jones. Outside of finance, Carkner serves as a volunteer firefighter for the Ben Lomond Fire District. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and an investment process centered on model-based asset allocation and portfolio optimization.

Brad Baron is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at RBC Capital Markets since 2008 and City National Bank since 2017. Outside of his advisory role, he serves on the boards of several nonprofit organizations, including VIA Rehabilitation, the Catholic Community Foundation, Financial Administrative Support Services, and The Health Trust, focusing on governance and finance. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles using a combination of in-house and third-party investment managers.