Naushaba Rashid is a CFP® professional with 34 years of industry experience. She has been with Wells Fargo Clearing since 2016 and holds Series 63 and Series 65 licenses. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of financial advisors.

Dana Ruusinen is a financial advisor at Morgan Stanley with 13 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2012 and worked at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Ruusinen serves on the Strong Schools Bond Citizens' Oversight Committee for the Palo Alto Unified School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Jacky Zhang is a Vice President and Wealth Planner at Fidelity Investments, a position held since 2018. In this role, he focuses on understanding clients' financial goals and objectives to build and maintain long-term financial plans. He aims to provide candid assessments to assist clients in making important financial decisions and maintains regular contact to keep plans on track and adjust them as needed. Prior to his current role, Jacky Zhang served as Vice President and Private Client Advisor at JP Morgan & Chase Co. from 2017 to 2018, Vice President and Financial Consultant at Charles Schwab & Co. from 2016 to 2017, Branch Manager at Scottrade Inc. from 2014 to 2016, and Investment Consultant at Scottrade Inc. from 2009 to 2014. He holds a California insurance license. Outside of work, Jacky Zhang has interests in biking, cars, fishing, outdoor adventures, parenthood, and traveling.

Holly Stowell is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm-approved tools, providing advisory services without individual security recommendations in standalone plans.

Robert Boyd is a financial advisor with Charles Schwab in Los Altos, CA, holding Series 63 and Series 65 licenses and over 33 years of industry experience. He has been with Charles Schwab and related entities since 1997. Outside of his advisory role, he owns rental properties in multiple states. 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 a predominantly non-discretionary client relationship model with access to discretionary separately managed accounts and alternative investment options.

Stephen Schweikart is a financial advisor at Fidelity with 22 years of industry experience. He holds the Series 63 and Series 66 credentials and is based in Sunnyvale, CA. Schweikart has been with Fidelity Investments since 2004. Strategic Advisers LLC, a Fidelity Investments company where Schweikart is employed, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Rebecca Lee is a financial advisor with UBS Financial Services in Santa Clara, CA. She holds the Series 66 designation and has nine years of industry experience, with a tenure at UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services. The firm offers fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products, leveraging institutional trading capabilities alongside wealth management.

Jeffrey Ullom is a Financial Consultant at Fidelity Investments, a position he has held since 2017. Prior to this role, he served as a Relationship Manager at Fidelity from 2016 to 2017 and as a Financial Representative from 2015 to 2016. Jeffrey's approach to financial advising is grounded in a structured process, dedication, and integrity, which complements Fidelity's brand, ethics, and pricing. He holds a California Insurance License, enabling him to provide insurance-related financial services. Additional details about his education, credentials beyond his insurance license, or personal interests have not been provided.

Praveena Nand is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ivana Block is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill and its parent company, Bank of America N.A., since 2014. Outside of her advisory role, Ivana is a co-owner of a family rental property business. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michele Kelley is a financial advisor at Raymond James & Associates with six years of industry experience and holds a Series 66 designation. She previously worked at Wells Fargo Advisors for 22 years and spent a year at Catalyst Real Estate Group. Outside of her advisory role, she occasionally assists her mother with property management tasks. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, charitable organizations, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary solutions, using a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Bin Zhai is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Cetera. He has held positions at Avantax Advisory Services and Avantax Investment Services, Inc. for over two decades and is also a CPA with 30 years in accounting. Outside of advisory work, he owns Zhai Insurance Services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a multi-manager platform featuring affiliated and third-party managers, catering to a broad range of client needs.

Anthony Valle is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank, N.A. since 2013. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Brian Higashi is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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 structured planning tools and scenario modeling in its financial planning process.

Ellen Sheldon is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, Merrill, and several other firms. Outside of her advisory role, she is a partner in Keene Propane Corporation, a family-owned business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. Their approach combines quantitative and qualitative research to deliver written asset allocation advice and manager searches, with clients retaining final decision-making authority.

Ryskiem Henderson is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he provides guidance and ongoing support to clients in areas such as retirement planning, wealth building, asset preservation, and financial legacy creation. He has held financial consultancy and advisory roles across several firms, including TrueStage Financial (2022-2024), CUSO Financial Services (2020-2022), Mass Mutual Investor Services (2017-2020) as a Registered Investment Advisor, MetLife Securities as a Registered Investment Advisor (2013-2017) and earlier as a Financial Consultant (2002-2008), as well as serving as Managing Director at Princor Financial Services (2009-2011). He holds a California Insurance License. Outside of his professional work, Ryskiem engages in family activities, music, soccer, and traveling.

Violet Chen is a Financial Consultant currently working at Fidelity Investments since 2023. She has over a decade of experience in financial services, with a focus on comprehensive financial planning. Violet partners with clients to develop tailored financial plans that align with their long-term goals, offering guidance on asset allocation, asset location, withdrawal strategies, and tax-efficient investing. Prior to her current role, Violet worked as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2023, a Relationship Manager at Bank of America from 2017 to 2019, and a Client Associate at Wealth APD from 2014 to 2016. She holds a California Insurance License.

Arshdeep Singh is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and has worked at Ameriprise Financial Services since 2019. His prior work includes roles at University of California, Berkeley Extension and Keystone Hospice. 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 income sources and tax-aware withdrawal strategies.

Ravindra Anaparti is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, along with prior experience at Rashi Ventures and Passport Capital. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Gabrielle Bechwati is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with five years at the firm and a total of four years of industry experience. Her prior work includes positions at Lewis Brisbois Bisgaard and various roles outside finance such as at Lacrosse Academy OC and Chapman University. Charles Schwab & Co., Inc. provides wealth advisory and managed account services primarily to high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by Schwab’s research and due diligence.