Flor Santana is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL Financial in 2009, Santana worked at Citigroup Global Markets and UBS Financial Services. Santana also teaches at the College of San Mateo. 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 advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by research tools and a broad network of over 22,800 advisors.

Charles Levy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He worked at Citigroup Global Markets for 10 years prior to joining Morgan Stanley Smith Barney in 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Lin Xie is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he was employed at Cetera Investment Services LLC and East West Bank. 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 supported by structured discovery and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Walter Gowen IV is a financial advisor with Fisher Investments in San Mateo, CA, holding a Series 65 designation and with 7 years of industry experience. He has been with Fisher Investments since 2012. Fisher Investments serves a diverse global clientele, including institutional and private investors such as pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process that integrates quantitative and qualitative research to construct globally diversified portfolios, and offers additional services including sub-advisory and retirement plan management.

Christina Ward is a financial advisor at Raymond James & Associates with eight years of industry experience and holds a Series 66 designation. Prior to her current role, she worked at Accenture from 2015 to 2018. She is also the founder and director of Work for America, Inc., a non-profit organization focused on creating employment opportunities for adults with intellectual and developmental disabilities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting through various specialized programs and a range of portfolio management strategies.

Luis Castro is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works collaboratively with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term objectives. He provides guidance on various financial topics, including general investing, retirement planning, and preparing for unexpected expenses. Luis holds the Personal Investment Advisor (PIA) designation. He has completed an Accredited Certificate Program from the London School of Economics and earned a Bachelor's Degree from the University of Southern California. He also holds a High School Diploma from Woodside Priory. Luis supports clients by connecting them with specialists from Bank of America in areas such as banking, credit, home financing, and small business solutions, providing comprehensive financial advice that adjusts as clients' needs evolve.

Samuel Vaughan is a Series 66-licensed financial advisor with Morgan Stanley in San Francisco, CA. He joined the firm in 2025 and has prior experience working at organizations including Boston University, Mustang Survival, and Sunnyside Marina & Watersport Rentals. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and structured financial planning services utilizing firm-approved tools and models.

Tyler Jones is a Series 66-licensed financial advisor with Morgan Stanley in San Mateo, CA, bringing four years of industry experience. Before joining Morgan Stanley in 2021, he worked at Citibank and Bank of America. Outside of his advisory role, he teaches mathematics fundamentals to students. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that integrates firm-approved tools and modeling techniques.

Thomas Quinby is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2023. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, with an emphasis on assets held in Ameriprise-managed accounts and the use of algorithmic automation in generating recommendations.

Connor Mac Mitchell is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he worked at Backblaze and has held teaching positions at the University of California, San Diego, Menlo School, and Tierra Linda Middle School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Tyler Needman is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by tools such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Charles Pollock is a financial advisor with Mass Mutual Investors Services and holds the ChFC® and Series 63 designations. He has 50 years of industry experience, including roles at MetLife Securities and MassMutual Life Insurance Company. Pollock is also involved in individual and group life and health insurance sales through Charles (Ted) Pollock Investment related activities. 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 provides financial planning, asset management, and educational seminars, with a focus on collaborative, goal-driven planning and multiple specialized service offerings.

Mary Hambly is a CFP® with 15 years of industry experience and has been with Edward Jones since 2010. She is based in Redwood City, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management, offering a range of advisory programs and investment solutions through a nationwide network of over 23,700 financial advisors.

Daniel Di Lulo is a financial advisor at Morgan Stanley with 10 years of industry experience. He has been with Morgan Stanley since 2018 and previously worked at Merrill from 2015 to 2018. He holds the Series 66 designation. Outside of his advisory role, he is involved in property management as a partner in a rental property business. 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 supported by firm-approved tools and methodologies.

Deborah Freeman is a financial advisor at Thrivent Investment Management with eight years of industry experience. She holds the Series 66 designation and has been with Thrivent since 2017. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a wide range of topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Jordan Gomez is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2018. Prior to this, he was employed at Cielo24 and Pensionmark Financial Group, and he also spent four years at the University of California, Santa Barbara. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide array of advisory programs, managing approximately $2.74 trillion in client assets.

Mark Bernard is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Citigroup Global Markets and UBS Financial Services. In addition to his advisory role, he teaches as an instructor at the College of San Mateo. 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 comprehensive advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of advisors.

Melinda Orozco is a financial advisor at LPL Financial in Redwood City, CA, holding Series 63 and Series 66 designations with 11 years of industry experience. She previously worked at U.S. Bank and U.S. Bancorp Investments, Inc. before joining LPL Financial. Orozco is involved with Bay Area Financial Wellness, a business related to her LPL activities. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Rachael Martindale is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at InfoIMAGE Inc and Dijeau Poage Construction. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and proprietary planning tools.

Jeffrey Anton is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and over 33 years of industry experience. His prior roles include positions at Securities America, Inc. and Foothill Securities, Inc., and he has operated Jeffrey Anton Tax and Business Services since 1984, providing income tax preparation for businesses and individuals. He is also licensed as a California life and health insurance agent. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.