Pierre Andre Volpe is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Hallmark Aviation Services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Davis Tsai is a Series 66-credentialed advisor at Fidelity with less than one year of industry experience. His prior work includes roles at Wellesley Partners and Gochi HK, as well as attendance at the University of Colorado Boulder. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail, institutional investors, and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Emmanuel Santos is a financial advisor with Cetera in San Francisco, holding the PFS™ and Series 63 credentials and bringing 31 years of industry experience. He has a background in law and accounting, serving as president of Santos Fumar Law, a professional corporation, and of his own accounting firm, Emmanuel A. Santos, JD CPA Inc. Additionally, he is involved as chief financial officer of the Richmond Ermet AIDS Foundation, a nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a nationwide network of advisors, operating a multi-manager platform with access to both affiliated and third-party investment strategies.

Nirmal Rout is a CFP®-certified financial advisor with Edward Jones, based in Alameda, CA. He has 19 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Bank. Edward Jones is a full-service wealth management firm serving a diverse client base, including individuals, institutions, and charitable organizations. The firm manages over $1 trillion in assets through a broad network of advisors and branch offices, offering a range of advisory strategies and affiliated financial services.

Adrian Antonio is a Financial Consultant currently working at Fidelity Investments since 2021. He has developed a professional approach centered on understanding clients' personal goals, creating tailored financial plans, and providing investment guidance to help clients feel confident in their financial strategies. Prior to his current role, Adrian worked as a Financial Solutions Advisor at Merrill from 2018 to 2021 and served as Vice President - Financial Consultant at Charles Schwab from 2007 to 2018. His experience spans over a decade in financial consulting and investment advisory. Adrian holds a California Insurance License, supporting his work in financial consulting and planning.

Dennis Quan is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms including Bank of the West, BancWest Investment Services, U.S. Bancorp Investments, Wells Fargo Clearing, Merrill, and Morgan Stanley. 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 portfolios, third-party asset management, and institutional platforms, supporting a large network of investment adviser representatives.

Kathleen Santos is a Financial Consultant at Fidelity Investments, a position she has held since 2021. She has over thirty years of experience in financial services, having served in various capacities including Relationship Manager at Fidelity Investments, Regional Vice President at Rational Funds and Behringer Securities, and Client Service Specialist at Private Portfolios. Her professional background includes roles in marketing and regional sales across several firms. Throughout her career, Kathleen has worked closely with clients to develop retirement plans and wealth planning strategies tailored to their financial goals. She emphasizes the importance of understanding client needs to help them achieve financial confidence and organization in their decision-making processes. Kathleen holds a California Insurance License. Further educational background and personal interests have not been provided.

Ben Eshaghi is a CFP® professional with 45 years of industry experience, currently affiliated with OSAIC in Redwood City, CA. He previously worked at Signator Investors, Inc. for 36 years before joining Royal Alliance Associates, Inc. in 2018. In addition to his advisory role, he operates a sole proprietorship providing services related to individual health insurance and Medicare supplement policies. OSAIC serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. Its investment approach features model-based asset allocation, portfolio optimization, and a range of managed and third-party investment programs.

Leung Lee is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. He has held various roles within J.P. Morgan Securities and JP Morgan Chase Bank since 2018. Prior to joining J.P. Morgan, he worked at Uber from 2013 to 2018. 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 approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Daniel Awad is a Series 66 licensed financial advisor currently with Fidelity, where he has worked since 2025. His prior work experience includes roles in various industries such as education and healthcare. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies. The firm also serves as an advisor to multiple registered investment companies and employs systematic approaches incorporating AI and long-term asset allocation strategies.

Sharon Mok is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies that align with their long-term goals and adapt to changing market conditions. Sharon provides access to Merrill’s investment insights alongside the banking and lending solutions offered through Bank of America. Sharon holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. She is committed to community involvement and dedicates time to volunteering with local organizations, reflecting the Merrill tradition of service in the communities they support.

Xiaoyan Zhou is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. She has been with Merrill since 2018 and also worked at Bank of America, N.A. starting in 2024. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Lonergan is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His prior work includes roles at Lincoln Financial Securities Corporation, Mass Mutual Investors Services, Massmutual Life Insurance Co, Metlife Securities Inc., and New England Securities. Outside of advising, he is the owner of Hazy Hen Endeavors LLC, a non-investment-related business. 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 portfolio management services, leveraging model portfolios, third-party subadvisors, and customized strategies across strategic and tactical allocations.

Sergio Santilli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has nearly two decades of experience in the financial services industry, having joined Merrill Lynch in 2008. Prior to this, he worked at Wells Fargo Investments, where he obtained his FINRA Series 7 and Series 66 registrations, as well as a California Insurance License. Sergio holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Sergio's expertise encompasses a wide range of client focus areas including college education planning, executive and equity compensation, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. As a member of the Santilli/Buhl Group at Merrill, he emphasizes goals-based financial planning tailored to clients' unique risk tolerances and life objectives. He aims to provide clear and transparent advice to help clients navigate the complexities of investing and build long-lasting relationships through education and ongoing market insights. He earned his Bachelor’s Degree from California Polytechnic State University, San Luis Obispo, and graduated from St. Ignatius College Preparatory. A Bay Area native, Sergio is fluent in Italian and English. Outside of work, he enjoys baseball, camping, football, golfing, soccer, and spending time with his family.

Ariana Parker is a Series 66-licensed financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

James Wong is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2014 and 2015, respectively, following prior roles at Wells Fargo Clearing and Wells Fargo Investments. Outside of advising, Wong is involved in real estate investment through ownership and limited membership roles in several real estate entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market models in its financial planning process.

Troy Ryder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, Investors Capital Corp., and Cetera Advisors LLC. Outside of advising, he owns an adventure training business and serves on the boards of two nonprofit organizations focused on education and community support, as well as founding a company developing home waste treatment systems. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts, offering diverse portfolio management and financial planning services through a large network of independent advisors. Their multi-manager platform allows for flexible strategy implementation, with assets under management exceeding $256 billion.

Charles Schembri is a financial advisor with LPL Financial in Half Moon Bay, CA, holding a Series 63 license and bringing 32 years of industry experience. He worked at Ameriprise for 14 years before joining LPL Financial in 2011. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Christopher Twardowski is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Burlingame, California. He has worked at Fidelity since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jennifer Buhl is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2011 and has over 15 years of experience working with affluent individuals, families, and owners of closely-held businesses. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). Jennifer’s expertise covers a range of client focus areas including corporate executive services, education planning, services for endowments, foundations, and non-profits, personal retirement planning, women and wealth, and retirement income. She emphasizes a wealth management approach that serves as a flexible framework and road map to help clients achieve their financial goals through growth, wealth preservation, succession planning, education funding, wealth transfer, and retirement planning. Jennifer earned her high school diploma from George Washington, attended San Francisco State University without earning a degree, and holds a bachelor’s degree from Charter Oak State College. Her team at Merrill Lynch includes CERTIFIED FINANCIAL PLANNER® professionals with expertise in estate planning strategies, retirement planning, insurance, tax efficiencies, and administration of 10b5-1 plans.