Kylee Harrison is a financial advisor at LPL Financial based in Fremont, CA. She holds a Series 66 designation and has been with LPL Financial since 2025. Prior to her current role, her background includes positions in education and banking. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven solutions.

Rajani Gangalvoi is a financial advisor with Charles Schwab based in San Ramon, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Schwab in 2021, she worked at Wells Fargo in various roles from 2015 to 2021. Outside of her advisory work, she serves as vice president and board member of the nonprofit Tri Valley Kannada Sangha. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and cash management services through its Schwab Wealth Advisory program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and has a distinctive operational model that supports a broad range of client needs.

Airung Liu is a CFP® and Series 66 credentialed financial advisor with 23 years of industry experience. He currently works at Osaic and has prior experience with Securities America Advisors and Cambridge Investment Research Advisors. In addition to his advisory work, he serves as an independent agent providing fixed insurance strategies. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm employs a comprehensive investment approach utilizing asset-allocation tools, risk assessments, and automated rebalancing across various asset classes while offering integrated brokerage and advisory services.

Hai Nguyen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with J.P. Morgan entities since 2009. Outside of his advisory role, he is a partner in a residential real estate investment and property management business. J.P. Morgan Securities 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. The firm combines institutional advisory operations with affiliated brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Neepa Shah is a financial advisor with Mass Mutual Investors Services in Fremont, CA, holding a Series 66 designation and 15 years of industry experience. She has been with MML Investors Services since 2011 and is also associated with Mass Mutual Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, with a focus on collaborative, goal-oriented planning and a range of event-driven services.

Michael Cruz is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary models to assist clients, offering services primarily in an advisory capacity.

Jill Raymond is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 credential and 22 years of industry experience. Her work history includes roles at MassMutual Northern California and Cambridge Investment Research Advisors, among others. She also spent time with Atlas Vineyard Management/Atlas Wine Company. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software and structured annual planning engagements.

Hector Siqueiros is a financial advisor with LPL Financial in Dublin, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior work includes roles at Cuso Financial Services and Sorrento Pacific Financial, and he has been associated with Patelco Credit Union for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, providing both discretionary and non-discretionary management options.

Alex Kuperman is a Series 66-licensed financial advisor with Charles Schwab, where he has worked since 1999, including 21 years at Charles Schwab Bank. He has 29 years of industry experience and is based in Pleasanton, CA. 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 using multi-asset model portfolios and centralized operational support.

Dustin Ma is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA, holding Series 63 and Series 65 credentials with 21 years of industry experience. He has been with Cambridge since 2009 and has also engaged in business consulting and served as president of a civic association. Dustin has experience consulting attorneys on financial records and advising on business processes and sales systems. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through independent financial professionals. The firm offers financial planning, investment management, and retirement plan advisory services with a variety of portfolio strategies across multiple custody platforms, including proprietary and third-party models.

Christopher Zonca is a financial advisor at OSAIC with 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 26 years. In addition to his advisory role, he is licensed as an insurance agent and offers disability insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports discretionary and non-discretionary account management, including access to third-party money managers and multiple advisory platforms.

Milton Guzman is a CFP® and holds a Series 66 license, with 15 years of experience in the financial industry. He has worked at Advantage Wealth Advisors and LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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 model portfolios and research from multiple sources.

Alexa Bridge is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Bank of America, Merrill, and Jackson Family Wines. 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 and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Teague is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and scenario modeling.

Melinda Liu is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones. Her background includes a variety of roles outside finance, such as positions at Wind Creek Bethlehem casino resort and 99% Food and Beverage, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, delivering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive investment and planning services.

Douglas Robbins is a financial advisor with Merrill in Pleasanton, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Bank of America and Merrill since 2013. Outside of his advisory role, he is a co-owner of an antiques and collectibles business operated by his wife. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Melissa Bencomo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with J.P. Morgan Securities since 2015 and has also worked at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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.

Richard Schacht is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Advisors since 2009, including roles at Wells Fargo Clearing. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, risk, and wealth-transfer strategies. The firm utilizes proprietary research and planning tools to develop tailored recommendations delivered through client meetings and summary reports.

Jennie Shaw is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 65 and Series 66 credentials and 18 years of industry experience. She has been with Morgan Stanley and its predecessor Morgan Stanley Smith Barney since 2009, with a three-year gap between 2017 and 2020 when she was not employed. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Roger Pelphrey is a financial advisor with Primerica Advisors in Danville, CA, holding Series 63 and Series 65 licenses and over 22 years of industry experience. He has been associated with PFS Investments Inc. since 2003 and Primerica Financial Services since 2002. Outside of his advisory role, he is a franchise owner of Osteostrong in Houston, TX and Dublin, CA, and works as a soccer referee in Danville. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with portfolio implementation delegated to BNY Mellon Advisors.