Nicola Boone is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. She has been with J.P. Morgan Securities since 2001 and has worked at JPMorgan Chase Bank, N.A. since 1995. Boone holds Series 63 and Series 65 licenses. She serves as an Investment Committee member for El Camino Hospital. J.P. Morgan Securities 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 combines large institutional advisory operations with additional market-facing registrations and functions, delivering non-discretionary investment recommendations supported by a centralized due diligence framework.

Anthony Giuliano is a financial advisor with Osaic Wealth, Inc. based in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including prior roles at Securities America Advisors, Inc. and Foothill Securities, Inc. Giuliano also owns a tax preparation and planning business, which he integrates with his investment advisory work. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and managed accounts. The firm employs asset-allocation tools and risk-tolerance assessments to build diverse portfolios and supports both discretionary and non-discretionary account management.

Lucas Sotto is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His background includes roles at JPMorgan Chase and multiple positions at Chapman University, alongside entrepreneurial experience at Hanano Ramen and Tpumps. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from an investable universe of mutual funds, ETFs, and ETPs, employing systematic methodologies and long-term asset allocation benchmarks.

Morgan Javonillo is a Planning Consultant at Fidelity, a role held since 2025. Prior to this position, Morgan worked as a Relationship Manager at Fidelity from 2023 to 2025 and as a Financial Representative at Fidelity from 2021 to 2023. Morgan began their financial services career as a Relationship Banker at Bank of America in 2021. Morgan holds a California Insurance License and focuses on building strong client relationships to develop financial plans tailored to individual values and needs. Their approach involves understanding both short-term and long-term goals to ensure that financial plans remain relevant and effective over time. Outside of their professional work, Morgan enjoys baseball, comedy, social events with friends, music, and snowboarding.

Richard Huber is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including 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 planning process using firm-approved tools and modeling techniques.

Xinqing Lai is a financial advisor with LPL Financial in Union City, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. Prior to joining LPL Financial and BMO Harris Bank in 2025, Lai worked at HSBC Securities and HSBC Bank USA for nine years. Outside of advisory work, Lai has involvement in real estate rental activities. 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 variety of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Anthony Schmidt is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Jason Swanson is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior experience includes roles at Morgan Stanley, Palfish, Fun Language International (Bangkok) Ltd, and Entree Express, LLP. Outside of his advisory work, he also works as a driver for Uber Technologies, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from a broad investable universe. The firm engages in discretionary and non-discretionary advisory services, including oversight of sub-advisers and application of algorithmic portfolio construction methods.

Victor Mandella is a financial advisor with Cetera, holding CFP® and PFS™ designations and over 28 years of industry experience. He has worked at several firms, including Avantax and 1st Global, and is an officer at Moon & Mandella Accountancy Corporation, a CPA firm. Additionally, he serves as a mortgage broker associate and is involved in managing his own real estate investments. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and planning services through a multi-manager platform, providing access to affiliated and third-party managers with both discretionary and non-discretionary program options.

Gregory Yuen is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2017, following seven years at Cuso Financial Services. 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 discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Monique Garduno is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A. and Wells Fargo. J.P. Morgan Securities LLC 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 in its recommendations.

Michael Toy is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services, Securities America, Inc., and LPL Financial. His practice includes operating under the DBA Toy Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program options.

Noah Rubin is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and investment services supported by firm-approved tools and methodologies.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Alexandra Tran is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2014. She specializes in creating and maintaining customized financial plans aimed at helping clients achieve their financial goals. Alexandra's approach involves understanding each client's unique situation to assist them in making informed financial decisions. Alexandra has over 19 years of experience in the financial industry. Prior to her current role, she held positions at Fidelity Investments as an Investment Consultant from 2011 to 2014 and as a Financial Representative from 2008 to 2011. She began her career as a Financial Advisor at Ameriprise from 2006 to 2008. She holds a California Insurance License.

Dillon Magee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Bank and experience outside the financial sector at Sun Shops and the University of California, Santa Cruz. Wells Fargo Advisors is a national 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.

Sean Chatman is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Ashna Sharma is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley, she worked at Wells Fargo Bank for eight years. Outside of her advisory role, she provides home health care services through California’s In-Home Supportive Services Program. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Ngoc Le is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and has three years of industry experience. Prior to joining Merrill, Ngoc worked for Riviera Finance from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marcus Leung is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual since 2007. Outside of his advisory role, he manages a residential property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements using firm-approved tools to support client goals.