Mauludin Ghafari is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering 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 brokerage, distribution, and investment management capabilities.

Cory Barraclough is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on delivering integrated, long-term financial strategies to senior professionals and leaders, particularly in the Bay Area technology sector. He works alongside his team to guide clients through complex compensation structures, retirement planning, cash flow management, and wealth preservation to create durable financial outcomes. Barraclough holds a Bachelor's Degree from Santa Clara University and is a Personal Investment Advisor (PIA). Fluent in both Spanish and English, he emphasizes a coordinated approach by collaborating with clients' legal and tax professionals to ensure comprehensive financial planning. His client focus areas include executive compensation, equity compensation services, family wealth management strategies, liquidity management, and socially responsible investing. In addition to his professional responsibilities, Cory Barraclough participates in community activities, volunteering with organizations such as the American Legion and Hope Services. His personal interests include adventure sports, chess, cooking, golfing, reading, rock climbing, running, skiing, spending time with family, and traveling.

Shannon Schatzman is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley in 2020, Schatzman held various roles including positions at Toast Inc., Marriott International, and Boston University. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and investment research, managing approximately $2.74 trillion in client assets.

Julie Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. She has been with JPMorgan Securities LLC since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Afarin Haidari Kahkesh is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work includes positions at JPMorgan Chase Bank, First Republic Bank, and Bank of America. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Alan Day is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 and Series 63 designations and has worked at JPMorgan Chase Bank, N.A. since 2013, joining J.P. Morgan Securities in 2023. 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 applying an ESG eligibility framework when recommending eligible strategies.

Martin Lopez is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and its affiliates since 1999. Lopez is based in Sunnyvale, California. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and delivers integrated advisory, brokerage, custody, and cash-sweep services.

Nathalya Wolf is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank from 2009 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Leticia Ong is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of finance, she is involved in elder care services through In-Home Supportive Services in San Jose, California. 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 manages approximately $2.74 trillion in client assets, utilizing structured planning processes and firm-approved tools.

Sally Chib is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 license and 10 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2015. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering non-discretionary investment guidance alongside access to discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and combination of advisory and brokerage services.

Nathan Chan is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has previously worked at Saint Luke's Health System and the University of Missouri Kansas City School of Pharmacy. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements and offers a range of programs including educational seminars and specialized event-driven planning services.

Kingman Lowe is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as Secretary with the WA Sung Service Club and is a partner on the advisory board of the Aptos III Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a comprehensive approach involving the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Christina Marie Mendoza is a financial advisor at Mass Mutual Investors Services with eight years of industry experience. She holds Series 65 and Series 63 designations and has worked previously at NYLIFE Securities LLC and New York Life Insurance Company. Mass Mutual Investors Services operates as 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, wrap and money-manager programs, and educational seminars.

Stewart Pascoe is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 licenses. He has 27 years of experience in the industry, including a long tenure at Prudential Insurance Company of America and Pruco Securities, LLC. Pascoe is based in San Jose, CA. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering both advisory and brokerage services. The firm provides access to model portfolios, third-party asset management, and a range of financial products through an integrated platform that combines advisory programs with insurance and lending services.

Lovely Agnihotri is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and 10 years of industry experience. Her work history includes roles at HSBC Securities (USA) Inc., Cathay Bank, and Wells Fargo Bank, nA. She also took periods away from the industry to be a stay-at-home mom. 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 combines research from Wells Fargo Investment Institute with third-party data and applies diversification principles and modern portfolio theory in its investment evaluations.

Hongze Chen is a CFP® professional with 28 years of experience in the financial services industry. He has worked at MassMutual Investors Services since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 18 years at Metlife Securities Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Andrew Tomlinson is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2018. He works closely with clients to develop comprehensive retirement income strategies, addressing tax-efficient investing and navigating key retirement risks. His collaborative, detail-oriented approach supports families in preserving their wealth and working toward long-term financial goals. He has been with Fidelity Investments since 2012, progressing through roles including Private Client Specialist, Investments Representative, and Financial Consultant before his current position. Andrew holds a California insurance license. Outside of his professional work, Andrew's personal interests include cars, concerts, gardening, hiking, pets, and running.

Kenneth Flax is a financial advisor with UBS Financial Services in Weehawken, NJ, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at UBS Financial Services since 2006 and previously at U.S. Bancorp Piper Jaffray Inc. since 2002. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-based investment strategies tailored to clients’ goals and risk tolerances.

Pamela Takacs is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to assist clients in customizing their financial plans to work towards achieving their financial goals. She has been in this role since 2023. Prior to her current position, Pamela served as a Relationship Manager at Fidelity Investments from 2011 to 2022. She holds a California Insurance License.

Htet Htet Aung is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. Prior to joining Fidelity, Htet worked at Charles Schwab and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory services. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, supporting its advisory role to multiple registered investment companies and delivering model portfolios to intermediary platforms.