Hai Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously spent eight years with J.P. Morgan Chase Bank. Outside of his advisory role, he has a limited involvement as an owner and partner in a residential real estate business. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Anjuna Manel Singh is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Medema is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A., where he has worked since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 investment options such as insurance-related vehicles and bank deposit sweep programs.

Ting Gong is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining J.P. Morgan Securities in 2022, Gong worked at Citibank NA from 2017 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary, quantitative, and ESG-informed approach.

Neepa Shah is a financial advisor at Mass Mutual Investors Services with 16 years of industry experience. She holds a Series 66 designation and has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2010. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative financial planning using firm-approved software and offers specialized programs including estate settlement, employer-sponsored planning, and recently added divorce planning.

Michael Cruz is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary models to assist clients, offering services primarily in an advisory capacity.

Jill Raymond is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 credential and 22 years of industry experience. Her work history includes roles at MassMutual Northern California and Cambridge Investment Research Advisors, among others. She also spent time with Atlas Vineyard Management/Atlas Wine Company. MassMutual 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 ongoing financial planning and asset management using firm-approved software and structured annual planning engagements.

Hector Siqueiros is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His career includes roles at Cuso Financial Services, Patelco Credit Union, Sorrento Pacific Financial, Wescom Financial Services, and Wells Fargo Investments. He is also involved with Patelco Credit Union in a financial solutions capacity. 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 portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Alex Kuperman is a Series 66-licensed financial advisor with Charles Schwab, where he has worked since 1999, including 21 years at Charles Schwab Bank. He has 29 years of industry experience and is based in Pleasanton, CA. 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 offers both non-discretionary and discretionary investment solutions using multi-asset model portfolios and centralized operational support.

Dustin Ma is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA, holding Series 63 and Series 65 credentials with 21 years of industry experience. He has been with Cambridge since 2009 and has also engaged in business consulting and served as president of a civic association. Dustin has experience consulting attorneys on financial records and advising on business processes and sales systems. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through independent financial professionals. The firm offers financial planning, investment management, and retirement plan advisory services with a variety of portfolio strategies across multiple custody platforms, including proprietary and third-party models.

Robert Morgan III is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering a range of brokerage and advisory solutions.

Christopher Zonca is a financial advisor at OSAIC with 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 26 years. In addition to his advisory role, he is licensed as an insurance agent and offers disability insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports discretionary and non-discretionary account management, including access to third-party money managers and multiple advisory platforms.

Milton Guzman is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with LPL Financial and has previously worked at Advantage Wealth Advisors, First Allied Advisory Services, 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 portfolio programs, and institutional platforms, supported by a large network of over 22,000 advisors.

Alexa Bridge is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Bank of America, Merrill, and Jackson Family Wines. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Teague is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and scenario modeling.

Melinda Liu is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones. Her background includes a variety of roles outside finance, such as positions at Wind Creek Bethlehem casino resort and 99% Food and Beverage, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, delivering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive investment and planning services.

Douglas Robbins is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2013. Outside of his advisory role, he is a co-owner of an antiques and collectibles business operated by his wife. 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.

Melissa Bencomo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has been with J.P. Morgan Securities since 2015 and has also worked at JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Richard Schacht is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Advisors since 2009, including roles at Wells Fargo Clearing. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, risk, and wealth-transfer strategies. The firm utilizes proprietary research and planning tools to develop tailored recommendations delivered through client meetings and summary reports.

Jennie Shaw is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 65 and Series 66 credentials and 18 years of industry experience. She has been with Morgan Stanley and its predecessor Morgan Stanley Smith Barney since 2009, with a three-year gap between 2017 and 2020 when she was not employed. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.