Daniel Martin is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Andrew Tang is a CFP® with 25 years of industry experience, currently affiliated with Charles Schwab in Santa Clara, CA. His prior experience includes roles at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services, USAA Financial Planning Services, and TD Ameritrade. Outside of financial services, he serves as an assistant girls junior varsity basketball coach for the Santa Clara Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and integrated brokerage, custody, and advisory services.

Maxwell Acri is a financial advisor with Morgan Stanley in San Jose, CA. He holds the Series 66 designation and has approximately one year of experience within Morgan Stanley, including roles at Morgan Stanley Private Bank, N.A. Prior to joining the firm, his background includes positions at the University of Essex, YMCA of the USA, and Northwestern Mutual. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Mailyn Nelson is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Nelson held various roles including positions in Enterprise Mobility and university instruction. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Taylor Frias is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 registrations and has worked at JPMorgan Chase Bank, N.A. since 2018. Prior to his financial services career, he was employed at California Mattress for four years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

Ying Liu is a financial advisor at Merrill with two years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Eagle Strategies LLC, NYLIFE Securities LLC, and New York Life Insurance Company. Merrill, along 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.

John Ubaldi is a financial advisor at UBS Financial Services with four years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience at Digital Media Solutions and Nordstrom. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Rey Deborja Jr. is a financial advisor at OSAIC with 22 years of industry experience and holds a Series 66 designation. His career includes roles at firms such as Ameriprise, Lincoln Financial Advisors, Merrill, and UBS Financial Services. He is also a co-owner of a tax preparation business. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates asset allocation, portfolio optimization, and multiple managed account options.

Pashmeena Vyas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in serving professionals, business owners, and retirees in the Bay Area. Her work centers on understanding her clients' unique financial needs and goals to develop comprehensive wealth plans focused on long-term financial security, wealth accumulation, retirement preparedness, and income generation. She offers guidance across a range of areas including education planning, personal retirement planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. Pashmeena holds the Certified Financial Planner (CFP) designation and is a Personal Investment Advisor (PIA). She has earned a Master's Degree from Mumbai University, a Bachelor's Degree from Sreemati Nathibai Damodat Thackersey Women's University, and an MBA from the State University of New York at New Paltz. She also completed a non-accredited certificate program at the University of California Berkeley Extension. Pashmeena is a member of the CFP® Board of Standards Inc. and communicates fluently in English, Hindi, Gujarati, and Punjabi. Outside of her professional role, Pashmeena enjoys music, spending time with her family, watching movies, and practicing yoga.

William Murphy is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 designations and 36 years of industry experience. He has been with Wells Fargo Clearing since 2016. Additionally, he serves as power of attorney for a family member. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, employing research and analytics grounded in diversification principles and modern portfolio theory.

My Lang is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and having 16 years of industry experience. He has worked at Ameriprise since 2005 across its related entities. In addition to his advisory role, he is involved in independent insurance brokering with multiple health plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies.

Michael Kavanaugh is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera and its affiliates since 2021, following a long career at Voya Financial Advisors and Preretirement Marketing Insurance Service. Outside of his advisory role, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse investment strategies.

Samuel Dickinson is a financial advisor at Osaic with three years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and CWM Inc. His current role at Osaic began in 2025. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization supported by multiple proprietary tools and third-party manager options.

John Callan is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and 23 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he acts as co-trustee for his family’s revocable living trust. 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 broad range of advisory and brokerage services, including financial planning and third-party asset management, supported by extensive operational and research tools.

Naim Kawadri is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates closely with clients to assist them in making sound financial decisions and building comprehensive financial plans. He focuses on helping clients work towards financial success by periodically reviewing their investment strategies and goals. Prior to his current position, Naim served as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. His professional experience encompasses advising clients on financial strategies and solutions over several years. Naim holds a California Insurance License.

Lawrence Larson is a financial advisor at Charles Schwab with 27 years of industry experience. He holds a Series 66 designation and has been with Charles Schwab since 2003, including concurrent roles at Charles Schwab Bank since 2005. 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 services with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized custody and operational infrastructure.

Violet Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial advising since 2000. She specializes in a wide range of client focus areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Her approach centers on developing personalized financial strategies that align with each client's goals and values. Violet and her team utilize a disciplined process that includes establishing objectives, developing strategies, recommending personalized plans, and updating them in response to clients' life changes. She is involved in managing investments, cash flow, liabilities, asset allocation, tax exposure, insurance coordination, retirement assets, and trust and estate planning services. Violet holds a Master's degree in Business Administration with an emphasis in Finance from San Jose State University and a Bachelor's degree from the University of Texas at Austin. She has earned the Personal Investment Advisor (PIA) designation. Violet participates in her local community through involvement with the De Anza Cupertino Aquatics Team and the Los Gatos Saratoga Unified School District. She resides in the Bay Area with her family and enjoys traveling, reading, swimming, hiking, and other activities.

Mary Jin is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2025. She is a CERTIFIED FINANCIAL PLANNER™ professional with over 18 years of experience in the financial services industry. Throughout her career, Mary has held various roles at Fidelity Investments, including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked at Edelman Financial Engines, Credit Suisse, Morgan Stanley, and E*Trade Financial. Mary's expertise spans working with individuals, families, and business owners to address their unique financial needs and assist them in achieving their financial goals. She holds a California Insurance License, which supports her ability to provide comprehensive financial advice. Outside of her professional work, Mary enjoys family activities and running.

David Nguyen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at BMO Financial Group, JP Morgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and several technology and security companies. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its registration with the CFTC, advisory roles to multiple registered investment companies, and use of AI-driven research methods.