Andrew Tomlinson is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2018. He works closely with clients to develop comprehensive retirement income strategies, addressing tax-efficient investing and navigating key retirement risks. His collaborative, detail-oriented approach supports families in preserving their wealth and working toward long-term financial goals. He has been with Fidelity Investments since 2012, progressing through roles including Private Client Specialist, Investments Representative, and Financial Consultant before his current position. Andrew holds a California insurance license. Outside of his professional work, Andrew's personal interests include cars, concerts, gardening, hiking, pets, and running.

Christopher Koyama is a Financial Consultant currently with Fidelity Investments, where he has worked since 2021. Prior to this, he held the position of Financial Consultant at E*TRADE Financial from 2018 to 2021, and served as a Private Client Advisor at Bank of the West from 2015 to 2018. Christopher holds a California Insurance License, supporting his work in wealth planning and financial consulting. His professional approach centers on building transparent relationships tailored to client priorities, leveraging his team's dedication and Fidelity's network to develop customized strategies. Outside of his professional role, Christopher is engaged in family activities, parenthood, and caring for pets.

Pamela Takacs is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to assist clients in customizing their financial plans to work towards achieving their financial goals. She has been in this role since 2023. Prior to her current position, Pamela served as a Relationship Manager at Fidelity Investments from 2011 to 2022. She holds a California Insurance License.

Annie Wakayama is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. 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 supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Simon Lui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on high net worth individuals and their families, including their businesses, to navigate financial strategies. His expertise includes retirement planning, income distribution strategies, asset allocation, goal planning, education planning, insurance planning, company and business investments, and 401K and deferred compensation. Simon helps clients manage equity compensation services, family wealth management strategies, legacy planning, managing new wealth, philanthropic planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. Simon holds a Bachelor's Degree from San Francisco State University and is a Personal Investment Advisor (PIA). His professional experience includes extensive work in the finance industry prior to becoming a wealth manager, which he applies to assist clients in both short-term and long-term financial planning under changing market conditions. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Simon enjoys golfing, spending time with his family, and playing tennis.

Lev Ravkin is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera since 2019. Prior to Cetera, he was employed at Foresters Advisory Services LLC and First Investors Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services via a multi-manager platform with access to both affiliated and third-party managers.

Jeffrey Froshman is a CFP® credentialed financial advisor with 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. In addition to his advisory role, he has served as a lecturer at California State University - Monterey Bay for over 30 years. Wells Fargo Clearing specializes in retirement plan consulting for 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, providing a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Weijie Yuan is a financial advisor with Merrill in Mountain View, CA, holding a Series 66 designation and four years of industry experience. He has been with Merrill and Bank of America since 2019. Prior to his current role, he held positions at Premier Nissan of San Jose and Next Generation Marketing Inc. 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 and profit-sharing plans, corporations, and charitable organizations.

Christopher Ortiz is a financial advisor with J.P. Morgan Securities in Cupertino, CA. He holds Series 63 and Series 66 licenses and has 13 years of industry experience, including prior roles at Wells Fargo and Union Bank of California. 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.

Ardeshir Toussi is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual planning and corporate financial planning agreements.

Edith Lau is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2014. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Chandler is a financial advisor with LPL Enterprise in San Jose, CA, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Allstate Financial Services, PFS Investments Inc., and Primerica Financial Services. LPL Enterprise serves a diverse client base ranging from individuals and high-net-worth clients to retirement plans, charitable organizations, and institutions. The firm provides financial planning, consulting, and access to model wealth portfolios and third-party asset management, combining advisory services with brokerage and insurance products through an integrated platform.

Duncan Eng is a financial advisor with OSAIC in Los Gatos, CA, holding a Series 63 designation and 31 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 27 years before joining OSAIC in 2025. Outside of his advisory role, he is licensed to offer various insurance products including accident and health, disability, fixed and traditional life insurance, as well as health savings accounts and indexed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and a range of investment options, and supports multiple advisory platforms and third-party money managers.

James Glass is a financial advisor at Mass Mutual Investors Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual since 1999. Outside of his advisory role, he is an agent for Glass and Associates, a health-related business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various educational programs.

Esther Teng is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools.

Khanh Nguyen is a financial advisor at Merrill in San Jose, CA, with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America and JP Morgan Chase in various roles over the past decade. 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 a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Niloufar Sattary is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2021. Outside of her advisory role, she has been involved with the International Rescue Committee since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Andrew Clift is a financial advisor at Morgan Stanley with 42 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds a Series 63 designation and is based in Los Gatos, CA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and the Global Investment Committee’s analyses.

Eric Anderson is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill and Bank of America. 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 large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Albert Hsia is a financial advisor with Ameriprise in Campbell, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its related entities since 2005 and has held a long-term affiliation with O & E AM/PM ARCO since 1994. Outside of his advisory work, he is a partner in two LLCs that manage shared office expenses and finances for an Ameriprise office location. Ameriprise serves individuals approaching or in retirement with a specialized retirement-income planning service that includes written recommendation reports and combines research with modeling and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities, with an emphasis on assets held in Ameriprise-managed accounts.