Nathanael Silin is a financial advisor with Primerica Advisors in Newark, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked at Primerica Advisors since 2014 and has held multiple roles in transportation and delivery services. Outside of advisory work, Silin operates a landscaping contracting business and has experience as a driver for ride-sharing and delivery services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Joann Stewart is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 advice. The firm employs an IPS-driven process grounded in modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, beyond typical institutional offerings.

John Campbell is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley and its affiliated entities since 2017. Prior to that, he worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc. from 2009 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that use structured discovery processes and approved planning tools, managing approximately $2.74 trillion in client assets.

Brian Vera Cruz is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He previously worked at Heritage Bank of Commerce and First Republic Bank. Outside of his financial career, he is involved in photography as a proprietor. Morgan Stanley Wealth Management is a large institutional firm serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research to support its financial planning process.

Thayvi Ganeshalingam is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Thayvi worked as a Planning Consultant at Fidelity Investments from 2022 to 2025, a Relationship Manager from 2021 to 2022, and a Financial Representative from 2020 to 2021. Thayvi holds a California Insurance License. Thayvi focuses on working with clients to develop clear and personalized financial strategies. By understanding clients' goals, concerns, and priorities, Thayvi aims to simplify the financial planning process and support clients through major life transitions or long-term security planning. The goal is to help clients feel more confident and organized about their financial future and maintain focus on what matters most.

Emily Sims is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and six years of industry experience. She previously worked at Waddell and Reed and other firms before joining LPL Financial in 2021. Outside of her advisory work, she operates a freelance design business and owns an Etsy shop. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside proprietary and third-party research.

Jakob Gilbert is a financial advisor at Charles Schwab with a Series 66 designation and less than one year of industry experience. His prior work includes roles at CampusConnect LLC, the City of San Jose, and Sourdough & Co., among others. 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 and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by dedicated research and alternative investment due diligence.

Kin Lau is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, with prior roles at Prestige Asset Management Limited and BTL Asset Management. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a wide range of retail and institutional investment services.

Eric Lucero is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Fisher Investments and held roles at UBER and the San Jose Earthquakes. Outside of his advisory work, he is involved with Nu-Image, a transportation-related business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured tools and does not provide individual security recommendations as part of its standalone planning services.

Larysa Smykovskaya is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2018. In her role, she partners with clients to build personalized financial plans that address both short-term and long-term investment goals. She has extensive experience in wealth management and portfolio management, having held positions such as Vice President and Senior Portfolio Manager at TD Wealth Private Client Group from 2015 to 2018, Vice President and Portfolio Manager at PNC Wealth Management from 2013 to 2015, Senior Investment Specialist at Wells Fargo Private Bank from 2008 to 2013, and Financial Advisor to High Net Worth Clients at Vanguard Group from 2005 to 2008. Larysa holds a California Insurance License. Outside of her professional work, she enjoys fitness, hiking, skiing, theater, and traveling.

Linh Thai is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. Based in Menlo Park, CA, Linh holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Rachelle Ruiz is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers a broad range of investment and planning services.

Joseph Samuels is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management in Palo Alto, CA. As a CERTIFIED FINANCIAL PLANNER™ certificant and Chartered Retirement Planning Counselor®, Joseph specializes in working with clients to determine their long-term financial goals and implement comprehensive financial management strategies. His areas of expertise include asset management, liability strategies, education planning, retirement planning, and estate planning. He collaborates with clients' other advisors to support the development of their estate plans. Joseph has been in the financial services industry since 1990, with over two decades of experience at Merrill Lynch. He holds a bachelor's degree from the University of California system. Outside of his professional responsibilities, Joseph volunteers as a piano entertainer at local senior centers and is an avid jazz pianist. He is also committed to community involvement as part of Merrill's tradition of service.

Amanda Lo is a CFP® professional with 17 years of experience in the financial services industry. She is currently with J.P. Morgan Securities and has previously worked at Bank of America and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, delivering 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.

Neil Menzies is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves as a board member for The Meg Foundation, a nonprofit organization based in Denver, CO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by approved tools and modeling techniques.

Ruoyun Liang is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Charles Schwab in 2021, Liang worked at Trumpet Behavioral Health and held roles at Sky Resource Trading Co. LTD. and Aldo Shoes. Liang’s background also includes five years at The University of British Columbia. 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 a mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and due diligence on alternative investments.

Gregory Hannah is a financial advisor at Osaic Wealth, Inc. with 31 years of industry experience. He has held positions at Osaic Wealth since 2018 and previously worked at Signator Investors from 2016 to 2018. He holds a Series 63 designation and also works as a fixed insurance agent. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct diversified portfolios.

Clemy Law is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Morgan Stanley since 2017, previously working at Ameriprise Financial Services for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Peter Evans is a financial advisor with LPL Financial in San Mateo, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining LPL Financial in 2025, he held various roles including work with the Spanish Ministry of Education and involvement in In2Deep Santa Monica. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and nonprofits through a national network of representatives. The firm offers diverse advisory programs, financial planning, and access to model portfolios and research, providing both discretionary and non-discretionary management services.

Kam Chak is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at BMO, Bank of the West, Citibank, and JPMorgan Chase Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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, financial planning, and brokerage services, utilizing discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.