James Rosenau is a Series 66-licensed financial advisor with Edward Jones in San Francisco, CA, where he has worked since 2022. He has over 30 years of experience in the financial services industry, including a long tenure at Ameriprise Financial from 1991 to 2017 and various roles at firms such as Gordian Wealth Advisor Plan and HR Block. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Gregory Kosal is a financial advisor with Wells Fargo Clearing in Mountain View, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked across multiple Wells Fargo entities since 2014, including Wells Fargo Advisors and Wells Fargo Bank, nA. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Agustin Arroyo is a financial advisor at Ameriprise with seven years of industry experience and holds a Series 66 designation. His prior experience includes roles at Charles Schwab & Co., Cetera Advisor Networks, Parsons Wealth Management, and LPL Financial. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides clients with tailored retirement-income planning through written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Maritza Rogers is a CFP® professional with 22 years of experience in the financial services industry. She is currently with OSAIC and previously spent 21 years at Lincoln Financial Advisors. In addition to her advisory role, she is registered as an insurance agent offering products such as accident and health insurance, fixed and indexed annuities, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, corporate and charitable organizations, providing integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct investment portfolios across various asset classes, and supports both discretionary and non-discretionary account management.

Robert Rule Jr. is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved in selling individual health insurance plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios and research.

Andrew Castro is a CFP®-designated financial advisor with Edward Jones, based in Menlo Park, CA, with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, Andrew coaches CrossFit classes at a gym in Mountain View, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and additional services such as a trust company and securities-based lending.

Gregory Meyerott is a financial advisor at Wells Fargo Clearing with Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at JPMC Bank NA, J.P. Morgan Securities, and Redwood Park Advisors. 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 utilizes research and analytics to offer diversified investment solutions and operates both brokerage and advisory platforms.

Mark Curtis is a financial advisor at Morgan Stanley with Series 63 and 65 licenses and 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Curtis serves as a board member and director of The Sobrato Foundation in Mountain View, CA. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm employs structured planning tools and a broad range of investment services, including both retail and institutional offerings.

Alexander Chychykaila is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2010. He has extensive experience collaborating with high-net-worth clients to develop comprehensive wealth strategies that align with their individual goals and evolving needs. Prior to his current role, Alexander was a Client Service Associate at UBS Financial Services from 2007 to 2009. Alexander graduated from the University of San Francisco in 2007 and holds a California Insurance License. Originally from Belarus, he brings a global perspective to his financial consulting practice. Outside of his professional work, Alexander enjoys outdoor adventures, photography, skiing, table tennis, tennis, and yoga.

Kin Chin is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2014. 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 broad client base including individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with the broader Bank of America platform, providing access to a wide range of financial products and services.

Kelly James is a financial advisor with Wells Fargo Clearing in Redwood City, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as co-trustee for his step-mother and is involved in managing certain investment-related activities. 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 advice. The firm’s advisory process is IPS-driven and incorporates a wide range of financial products, including insurance-related vehicles and bank deposit sweep options.

Derek Wenzell is a Planning Consultant at Fidelity Investments, a position he has held since 2026. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm in 2025. His professional focus involves partnering with clients to understand their financial goals and developing customized financial plans. Derek holds a California Insurance License. He emphasizes building strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work.

Max Everett is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with 8 years of industry experience. Prior to joining Schwab in 2017, he worked at Pebble Beach Company for three years. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments through its centralized operational structure.

Jane Loo is a financial advisor at Morgan Stanley with a Series 66 designation and one year of experience at the firm. Her prior background includes roles at Genentech and teaching positions at several educational institutions, including Smith College and Saratoga High School. Morgan Stanley Wealth Management provides financial advisory and planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning supported by firm-approved tools and a range of investment programs.

Joshika Kumari is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Merrill Lynch, Pierce, Fenner & Smith, California Bank and Trust, Wells Fargo Bank N.A., and Starbucks Coffee Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Matthew Huerta is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research from UBS Global Research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers a range of products including discretionary portfolio management, wrap fee programs, and alternative investments.

Ephraim Calbert Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure alongside ongoing oversight of its investment models.

Scott Taggart is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 credential and five years of industry experience. His career includes roles at Morgan Stanley Private Bank and service as a commissioned officer in the United States Marine Corps Reserves specializing in Intelligence and Aviation C2 Operations. Prior to his advisory work, he also had involvement with Peninsula Golf & Country Club. 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, including tailored financial planning that incorporates firm-approved tools and market-based modeling techniques, managing approximately $2.74 trillion in client assets.

Lauren Murcia is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and with 17 years of industry experience. She has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning services. The firm’s financial planning process employs structured discovery and approved tools to model outcomes, managing approximately $2.74 trillion in client assets.

George Papadoyannis is a CFP® with 35 years of industry experience, currently serving at Ameriprise since 2020 and previously at Ameriprise Financial Services, Inc. from 2005. He is involved in business ownership with Mega Branch Inc and holds a consulting role with Agean Blue Dream Villas in Greece. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.