Dinesh Sawal is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its related entities since 2005. Sawal serves on the Board of Directors and acts as Treasurer for the Alameda County Library Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Troy Reese is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles in real estate capital and investment services, including positions at Kingsbarn Real Estate Capital and Marcus & Millichap. 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, pension plans, corporations, and charitable organizations.

Anthony Liu is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at TD Ameritrade, Fidelity, Morgan Stanley, and Ameriprise. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, combining non-discretionary and discretionary investment management with centralized custody and brokerage functions.

Susan Bergstrom is a Series 66 licensed financial advisor with Edward Jones in Cupertino, CA, with two years of industry experience. Prior to joining Edward Jones, she spent ten years at Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Balasubramanyam Karanam is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary program.

Yuan Ting Wang is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s program offers non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and incorporates both quantitative and qualitative research methods.

Alexander Hayes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Invesco Distributors, OppenheimerFunds, Putnam Investment Management, and New York Life Investment Management. Outside of his advisory work, he is involved with AJ Wealth & Legacy, LLC, a non-investment-related business entity. 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 financial planning and asset management services supported by extensive advisor tools and a broad platform that integrates advisory and non-advisory financial activities.

Melvin Honda is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His career includes roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of advising, he operates as an independent insurance agent specializing in dental, group disability income, life, accident, health, and long-term care insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers a range of programs including educational seminars and divorce planning.

Phong Ly is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked at multiple JPMorgan-affiliated entities since 2017, with prior experience at Chase from 2007 to 2017. 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 research, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative due diligence and includes specialized regulatory registrations that support derivatives and commodities capabilities.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors, Inc. and Investacorp Inc. He is also the owner of Trinity Financial Services, a fixed insurance business. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and managing complex affiliate relationships.

Paul Wong is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 1999. In addition to his advisory role, he provides notarial services for clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ronald Lohbeck is a financial advisor at UBS Financial Services with 57 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and RBC Capital Markets. Outside of his advisory role, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its proprietary platforms.

Eliezer Lopez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He operates a business under the name Sequoia Wealth Advisors & Investment Management, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Yingquan Zhang is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Wells Fargo Clearing, Zhang held positions at BMO Harris Bank, LPL Financial, CitiGroup, and CitiBank. Outside of his advisory work, he has been involved with IHSS since 2017. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Collin Chu is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A., Merrill, Ardent Capital, and has prior experience at San Jose State University and Round Table Pizza. 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, pension plans, corporations, and charitable organizations.

Olga Pappas is a financial advisor at Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation with 22 years of industry experience. She has worked at Morgan Stanley and its affiliated entities since 2004, including a brief tenure at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering comprehensive financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of investment and planning strategies.

Vivek Thoppay is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Thoppay Team, serving a select group of executives, entrepreneurs, business owners, and multi-generational families. Since starting his career at Merrill Lynch in 2002, Vivek has built a team emphasizing intellectual rigor, thoughtful customization, and committed service to address the complex financial needs of his clients. Vivek advises clients on a variety of areas including management of concentrated stock, liquidity events, estate planning, tax minimization, retirement income, and philanthropy. His approach includes coordinating with clients' CPAs, attorneys, and other professional advisors to ensure a comprehensive financial strategy. He holds multiple professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Vivek earned bachelor's and master's degrees from the University of Virginia, University of Houston System, and Santa Clara University. He resides in Saratoga, California, with his wife and two sons.

Kyle Coulter is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, he serves as a board member of the Watsonville Rotary Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning process utilizes structured discovery, proprietary tools, and modeling techniques, focusing on advisory services without providing individual security recommendations in standalone plans.

Mark Hansen is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior roles include positions at Securities America Advisors, Inc., KMS Financial Services, Inc., and National Planning Corporation. OSAIC serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach features model-based asset allocation and portfolio optimization with discretionary and third-party management options.

Jessica Locatelli is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved with the Santa Cruz County Community Foundation and The Community Foundation of Santa Cruz County, serving on their advisory and finance committees. Additionally, she is associated with Boulder Creek Stables, a private horse boarding business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s investment approach includes structured planning tools and utilizes market simulations to model outcomes.