John Lewis is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Santa Clara, CA, with 14 years of industry experience. He has held roles at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2009. Outside of his advisory duties, he serves as a trustee for family revocable trusts that own residential rental properties. 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. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering a range of eligible strategies including those incorporating ESG criteria.

Yiukong Lau is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and 65 licenses and bringing 10 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company, as well as experience with Farmers Insurance and rideshare companies Lyft and Uber. Outside of his advisory work, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual 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 financial planning, asset management, and educational programs, utilizing software tools and a collaborative approach to help clients address their financial goals.

Luis Ruelas is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Sears Holdings Corp. Luis is based in San Jose, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and uses a range of investment strategies, including an ESG eligibility framework.

Caitlin Luttrell is a financial advisor with Raymond James Financial in Los Gatos, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James Financial Services Advisors Inc. since 2016 and Raymond James Financial Services, Inc. since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Namal De Silva is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked previously at TD Ameritrade for 20 years. De Silva is also a property owner in San Jose, California. 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 and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Joseph Bummer is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves individuals 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 structured planning tools and firm-approved methodologies in its financial planning process.

Yuliya Kuzmenko is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked within various Morgan Stanley entities since 2015. Outside of her advisory role, she operates a retail and online store business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery conversations and advanced modeling tools, serving clients in both advisory and brokerage capacities.

Bang Tran is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2011. Outside of his advisory role, he is a co-owner of a rental property with family members. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Quyen Nguyen is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill and Bank of America, Nguyen held roles at New York Life Insurance Company and has experience in education, including positions at San Francisco State University and De Anza College. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Stanford Law is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He has been with Fidelity for over 18 years, progressing through roles including Financial Consultant and Investment Consultant since 2006. His professional focus is on wealth planning, working closely with clients and families to help them achieve their financial goals. Stanford holds a California Insurance License, supporting his expertise in financial and wealth planning services. Outside of his professional work, he enjoys activities such as baseball, football, golf, traveling, and spending time with his family.

David Davis is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. His career includes roles at Avantax Investment Services, Avantax Advisory Services, and 1ST Global Advisors, among others. Outside of advising, he serves as a trustee for multiple trusts and is a principal at Johanson & Yau Accountancy Corp, providing tax and accounting services. He also holds a board member position with BKR International, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or construct custom strategies.

Ashley Nguyen is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 credential and has been with Wells Fargo Clearing 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 supported by research from Wells Fargo Investment Institute.

Tiffany Le is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 license and 16 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2010. Outside of her advisory role, she is the sole owner of The Mastic LLC, a company that provides residential rental services. Charles Schwab & Co., Inc. serves a large client base primarily composed 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and integrates centralized custody, brokerage, and cash-sweep services.

Matthew Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his advisory role, Montini serves as a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Maninder Budwal is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and having 11 years of industry experience. He has been affiliated with Patelco Credit Union since 2010. Outside of his advisory role, he is involved with Patelco Financial Solutions, a business entity related to his LPL work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors utilizing various strategies and technology tools.

Kunjie Ou is a financial advisor at Charles Schwab in Cupertino, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo, where he worked for a total of 19 years. 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 a mix of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence from its research center.

Richard Lewis is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and four years of industry experience. He has been with Mass Mutual Investors Services since 2020 and has over a decade of experience with MassMutual Life Insurance Company and EVCO Insurance Services Inc., where he also works as a sales agent specializing in individual and group health insurance. 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 ongoing financial planning, asset management, educational seminars, and specialized services including divorce planning, estate settlement, and employer-sponsored programs.

Joanne Cirocco is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Seyednaser Mousavi is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America since 2017 and briefly at Bank of the West in 2017. 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 individual and institutional investors.

Daniel Ayala Jr. is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 credential and having 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo bank since 2007. 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 offers both brokerage and advisory solutions, with a focus on research-driven investment management and a broad range of financial products.