Matthew Weaver is a CFA® charterholder and Series 63 licensed advisor with 12 years of industry experience. He has been with LPL Financial since 2016 and also works with Fremont Bank, where he has been active since 2015. Prior to joining LPL, he spent a year at Sorrento Pacific Financial, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Meiting Lin is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities in 2026, Lin worked at Citibank and Bank of America. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Richard Dupont is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, First Republic Investment Management, and J.P. Morgan entities. Based in Palo Alto, CA, he has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2023. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Morehouse is a Series 66 licensed financial advisor with 13 years of industry experience. He is currently with J.P. Morgan Securities and JP Morgan Chase Bank, n.a., having previously worked at First Republic Investment Management, Inc., First Republic Securities Company, LLC, and Wells Fargo Advisors. 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 applying an ESG eligibility framework in its recommendations.

William Wang is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. Outside of his advisory role, he owns and operates an automotive repair business focused on building and restoring cars. 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 and financial planning services. The firm offers both non-discretionary and discretionary investment solutions supported by research and a multi-asset portfolio approach.

Dominic Carradero is a financial advisor with Cambridge Investment Research Advisors in San Jose, CA, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. He has been with Cambridge Investment Research since 2010. Outside of advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a nationwide network of independent professionals, utilizing a range of managed account platforms and both discretionary and non-discretionary strategies.

Harlan Sylvester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. He serves as a council member outside of his advisory work. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Shannon Michaels is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 license and four years of industry experience. Prior to her current role, she worked within Morgan Stanley’s Private Bank and Smith Barney divisions. Outside of finance, Michaels is involved in the entertainment industry as a singer, songwriter, and performer, owning and partnering in several music-related businesses based in Nashville. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and market models.

Laurel Fierro is a financial advisor with Raymond James & Associates in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. Prior to joining Raymond James in 2023, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 14 years. Outside of her advisory role, she serves as a board member of the Madrone Plaza HOA, where she participates in reviewing budgets, financials, and architectural plans. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Valenzuela is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2025. He has held multiple roles within Fidelity Investments, including Investment Consultant, Relationship Manager, and Workplace Planning Consultant, gaining a breadth of experience in financial services since 2021. Michael specializes in retirement planning, tax-efficient investing, and children's education planning. He emphasizes education and communication to help clients make informed investment decisions and feel confident in their financial strategies. He holds a California Insurance License, supporting his work in comprehensive financial planning. Outside of his professional role, Michael enjoys hiking and reading.

Howard Hertz is a CFP® with 27 years of industry experience, currently affiliated with Cetera since 2021. He has held roles with Avantax Insurance Agency, Tri-Valley Tax & Financial Services, and other related businesses. In addition to his advisory work, he is president and owner of Tri-Valley Tax & Financial Services and is an enrolled agent. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Nicholas Chin is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2006. In addition to his advisory roles, he has been involved with San Jose State University since 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies, including the use of Monte Carlo simulations and Secular Return Estimates, to develop financial plans.

Tina Louie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Elizabeth Robbins is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has worked with Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and firm-approved methodologies to support its financial planning process.

Luke Harris is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Carleton College, and Lakeside Partners. 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 combination of advisory and brokerage capabilities.

Jeffrey Coplan serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on assisting individuals and families in achieving their financial objectives through personalized financial, investment, and long-term wealth planning strategies. He emphasizes the importance of having a clear financial plan, maintaining discipline, and making informed decisions rather than attempting to time the market. Jeffrey holds a California Insurance License, which supports his provision of comprehensive financial advice. Outside of his professional responsibilities, he engages in activities such as bowling, golf, softball, and enjoys spending time with his pets and family.

Bela Palfalvi is a financial advisor with Charles Schwab in Cupertino, CA, holding the Series 63 designation and bringing 32 years of industry experience. He has been affiliated with Charles Schwab since 1993 and worked at TD Ameritrade from 2021 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, combining advisory, brokerage, custody, and financial planning services. The firm offers a hybrid client relationship model with both non-discretionary advice and access to discretionary separately managed accounts.

Dewi Hartono is a financial advisor at Morgan Stanley in Cupertino, CA, with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes both retail and institutional services.

Xinyao Wang is a financial advisor at Charles Schwab with six years of industry experience. His background includes roles at JPMorgan Chase Bank and JPMorgan Securities, along with earlier experience outside finance as an auctioneer and working in the restaurant industry. Charles Schwab serves primarily high- and ultra-high-net-worth clients 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 offers multi-asset model portfolios alongside centralized custody and order-routing services.

Vineeta Devi is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. She has worked with Wells Fargo in various capacities since 2001 and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she has ownership in a rental property business in Elk Grove, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a range of investment options, such as insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan solutions.