Stephon Briganti Ortiz is a financial advisor at Osaic Wealth, Inc. with three years of industry experience. He holds the Series 66 designation and has prior experience with firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Bank of America, N.A., and Merrill. Outside of his advisory role, he serves as durable power of attorney for his mother, managing her legal, medical, and financial decisions as needed. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of advisers, offering a range of portfolio management options that include stocks, bonds, mutual funds, ETFs, and alternative investments.

Peter Glaser is a CFP® with 26 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee and holds power of attorney for his mother. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

John Nguyen is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding a Series 66 designation and 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for both discretionary and non-discretionary management, and includes a broader set of financial product offerings than typical for large institutional advisers.

Hongmin Lu is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2010. His current roles include positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Melissa Drago is a financial advisor at Charles Schwab with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including TD Ameritrade Investment Management, Scottrade, and Wells Fargo Home Mortgage. Charles Schwab & Co., Inc. serves a large client base, 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 offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with centralized supervisory and custody arrangements.

C Warthen is a Wealth Management Advisor at Merrill Lynch Wealth Management based in San Jose, CA. In this role, C Warthen advises clients on managing their wealth to help them grow, retain, and transfer assets to the next generation. The services provided include retirement and education planning, banking, investments, lending, and wealth transfer strategies, utilizing the resources of Merrill Lynch Wealth Management and Bank of America N.A. C Warthen began their career in financial services in 1993 and serves clients who are successful in their fields, assisting them with a comprehensive approach that addresses individual financial goals. Their areas of client focus include education planning, employee benefits planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Educationally, C Warthen holds a Bachelor's Degree from San Jose State University. They have earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). C Warthen's personal philosophy centers on working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term financial goals.

Kuanyee Lee is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. Prior to her current role, she held positions in music education and youth orchestras. 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 services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Jose Navarro is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2016 and Wells Fargo Bank NA since 2015. Outside of his advisory role, Navarro's spouse owns and operates a business that manufactures and sells candles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third-party databases to support its investment strategies.

Christopher Villaflor is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at Bank of America N.A. and Bank of America Merrill Lynch since 2022. Prior to that, he held positions at U.S. Bank and worked in various roles including at Whole Foods and in academia. 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 model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Xuan Tran is a financial advisor with LPL Financial based in San Jose, CA, holding Series 63 and Series 66 designations and possessing 12 years of industry experience. Prior to joining LPL Financial in 2019, Tran worked for Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. Tran is also a commissioned notary in the state of California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios supported by LPL Research and third-party subadvisors, as well as retirement plan consulting and brokerage services.

Erick Liu is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at several firms, including Bank of America, Merrill, and J.P. Morgan. In addition to his advisory role, Liu serves as an Enlisted Second Class Petty Officer in the U.S. Navy Reserve. 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 uses research from Wells Fargo Investment Institute and third-party sources to guide diversified investment strategies and offers a range of brokerage and advisory solutions.

Phillip Chatoff is a financial advisor with Primerica Advisors based in San Jose, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His professional background includes roles at Abusix, Inc. and Bigmachines alongside his long tenure with Primerica Financial Services and PFS Investments Inc. Outside of investment-related activities, he is involved with Blue Heron Senior Services, LLC and serves as a digital coach. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and provides a tiered wrap-fee structure, focusing on a range of investment approaches including Strategic, Tactical, Tax-Aware, and Income Distribution models.

Lev Revutsky is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory role, he is engaged in writing activities unrelated to investment. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Muhammad Haq is a financial advisor at UBS Financial Services in San Jose, CA, holding a Series 66 designation with 25 years of industry experience. He has been with UBS since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Ryan Leiby is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 registrations and 26 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver customized recommendations through its Institutional Consulting Services program.

Pariss Minor is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo, Minor worked at Morgan Stanley and Fidelity Investments. Outside of finance, Minor has experience in the hospitality and service industries, including a role at In-N-Out Burger. 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 advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Heath Hanich is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has built a practice focused on helping individuals, families, and businesses preserve, grow, and transition their wealth through personalized strategies aligned with their long-term goals. His advisory approach emphasizes trust, clarity, and tailored planning, guiding clients through various stages of life with confidence. With over two decades of experience in financial services, Heath began his career in 1999 as a part-time teller with Wells Fargo. While working full time, he earned an associate's degree from Bakersfield College followed by a Bachelor's Degree in Business Finance from Fresno Pacific University. He has held various leadership roles at Wells Fargo and also joined Wachovia, where he earned his FINRA registrations and supported clients across California. Approximately twelve years ago, Heath and his family relocated to Santa Cruz, where he achieved his goal of becoming a Financial Advisor and established a successful practice. Heath specializes in comprehensive wealth management, retirement planning, and investment strategies tailored to each client's unique needs. He holds the Personal Investment Advisor (PIA) designation. Heath resides in Santa Cruz, California with his wife Heidi and their daughter. Outside of his professional responsibilities, he stays active in the local community and contributes through his involvement with the Rotary Club of Santa Clara.

Joshua Kuo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he owns and operates Shibui Vintage, LLC, a business focused on the collection, restoration, and trading of vintage timepieces. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering comprehensive advisory services on a non-discretionary basis.

Eric Han is a financial advisor with Ameriprise in Campbell, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliates since 2008. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written Recommendation Reports and ongoing retirement-income planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Patrick Lee is a Vice President and Financial Consultant at Fidelity Investments. In his current role since 2017, he works closely with his experienced team to leverage Fidelity's brand, technology, and platform. Patrick focuses on retirement, income, and wealth planning, aiming to understand clients' unique situations and help them define and achieve their financial goals. Prior to joining Fidelity, Patrick held positions as Vice President Senior Wealth Financial Advisor at Bank of the West from 2013 to 2017, and as Vice President Financial Advisor at Merrill Lynch from 2010 to 2013. He holds a California Insurance License.