Michael Craig is a financial advisor with Merrill in San Jose, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Merrill since 1983 and also at Bank of America since 2009. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

William Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, California, holding a Series 66 credential with four years of industry experience. Prior to his current role, he spent six years at Los Gatos High School and has been affiliated with the University of Colorado since 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Alexander Brea is a Financial Consultant at Fidelity Investments where he focuses on helping clients build, protect, and grow their wealth through personalized financial planning. He has worked in various financial advisory roles, including positions at Fisher Investments as Regional Vice President, Charles Schwab as Vice President and Financial Consultant, Raymond James, and Merrill Edge. His career in financial services spans from 2014 to the present. Alexander holds a California Insurance License. Outside of his professional role, he is married with three children and has a family-oriented approach that shapes his work. His personal interests include beach activities, family activities, fitness, parenthood, reading, and volunteering.

George Bettisworth is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63, 65, and 66 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a director for the Almaden Hills Estates Homeowners Association and is a board member of both Frontline Fellowship USA and The Home Church Almaden Hills. Morgan Stanley Wealth Management provides 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 incorporates firm-approved tools and models while offering a broad range of retail and institutional investment products.

Phillip Benjamin is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Fidelity, he worked at Sunny Susanto State Farm, Covered Insurance Solutions, Geico, and Aaa. Outside of his financial career, he performs locally as a musician several times per month. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and systematic methodologies in its investment process.

Erica Wu is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and has worked at firms including JP Morgan Chase Bank and Cetera. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joan Masuda Cox is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at UBS Financial Services for seven years before joining Morgan Stanley in 2019. She is based in Los Gatos, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery processes and analytical tools.

Kurt Carrasquilla is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He teaches investment-related classes at the University of California at Berkeley and Stanford University and serves on the UC Berkeley CFP Program Advisory Board. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery and firm-approved tools, and the firm offers a range of investment and brokerage services.

Arthur Feather is a financial advisor with LPL Enterprise and holds the Series 63 and Series 65 licenses. He has 12 years of industry experience and has worked at firms including The Prudential Insurance Company of America, Transamerica Financial Advisors, and World Financial Group. He also serves as the livestream director for events at St. Luke's Episcopal Church in Los Gatos, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm primarily uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Gregory Smith is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has previously worked at Morgan Stanley Private Bank, National Association. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, supported by proprietary research and a broad range of capital markets services.

Mark Rosenberg is a financial advisor with LPL Financial in Scotts Valley, CA, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He previously worked at Western International Securities, Inc. for eight years and Financial West Group for 21 years. In addition to advisory services, he is a California Tax Education Council (CTEC)-Registered Tax Preparer who provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial services.

Josiah Clymer is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 credential and two years of industry experience. His background includes roles at Morgan Stanley Private Bank, CrowsNest Restaurant Group, and Starbucks Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs and tailored financial planning, utilizing structured discovery processes and advanced modeling tools to support client planning needs.

Arman Rostamian is a financial advisor at Charles Schwab in Los Gatos, CA, holding a Series 66 designation with one year of industry experience. His work history includes roles at Charles Schwab Bank and Quincy Cass & Associates Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and features multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Todd Bergstrom is a CFP® professional with 17 years of industry experience, currently serving at Edward Jones since 2009. He holds the Series 66 designation and is based in Cupertino, CA. Outside of his advisory role, he is the managing partner of TMB, LLC, an LLC registered in California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Joseph Lawrence is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and having 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2010. Outside of finance, he is involved in the hospitality industry through ownership of Amber India Restaurant. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Elier Peraza is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Cetera and has held various roles at firms including Avantax and Johanson & Yau, where he serves as Director of Financial Services. In addition to his advisory work, he has acted as a temporary independent trustee for an irrevocable trust. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services. The firm operates as a multi-manager platform, allowing advisors to implement diverse investment strategies and program options across discretionary and non-discretionary accounts.

Brandon Seanez is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. Prior to his advisory role, he had experience in the hospitality and wine industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing a broad range of solutions including portfolio management, financial planning, and capital markets activities.

Raymond Kong is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 license and 22 years of industry experience. His prior work includes nearly two decades at Avantax Advisory Services and related entities, and he has operated a tax preparation and accounting business since 2003. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various financial products.

Glynis Wineinger is a financial advisor at Edward Jones with 29 years of industry experience. She has held her role at Edward D. Jones & Co., L.P. since 1996. She holds the Series 63 and Series 66 designations. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

William Gerdts is a financial advisor with Raymond James & Associates in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He previously worked at Wells Fargo Clearing and A. G. Edwards & Sons. 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 diverse client base, including individuals, institutions, and public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research resources.