Gabriel De Oliveira is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and Morgan Stanley Smith Barney LLC. Prior to entering the financial industry, he spent five years employed at Starbucks and the University of California, Davis. 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 utilizes structured planning tools and investment modeling as part of its advisory services.

Bladimir Marquez is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at ADP Inc. and ADP Broker-Dealer, Inc. for 18 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved tools and methodologies to support its financial planning process.

Daniel Kertz is an Investment Consultant at Fidelity Investments, where he has been working since 2024. Prior to this role, he held positions including Planning Consultant, Investment Solutions Representative III, and Investment Solutions Representative at Fidelity Investments starting in 2021. In his current role, Daniel partners with clients to understand their financial goals and helps them build customized financial plans. Daniel holds insurance licenses in Arkansas and California. He emphasizes the importance of forming strong relationships with clients and their families, maintaining trust, reliability, and competency in his work. Outside of his professional career, Daniel has personal interests in biking, cars, football, movies, and music.

Wayne Loi is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Bancwest Investment Services and East West Bank. Prior to his financial career, he was involved with The Hair Cut Place for five years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform with various investment programs, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Xinmin Liu is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Liu has been with Cambridge since 2010 and serves as COO of Aqua Electronics Co Ltd, involved in international trade. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platforms.

Sanjaya Luthra is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2006, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Joshua Sheng is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at Northwestern Mutual and Fulcrum Environmental Resources, and he has been self-employed in an education-related business since 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Sandra Kim Her is a financial advisor at Merrill with 7 years of industry experience. She holds Series 65 and Series 63 licenses. Prior to joining Merrill in 2025, she worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA from 2015 to 2025. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jeffrey Phillips is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.

Meenakshi Saxena is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2003, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Duffy is a financial advisor at Edward Jones with 33 years of industry experience. He has been with Edward Jones since 1992 and holds Series 63 and Series 66 designations. Outside of his advisory role, he serves on the Lay Pension Board, Investment Committee, and Finance Council for the Diocese of San Jose, overseeing and reviewing the management of their investment pool. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm operates a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, tax-efficient services, and affiliated investment products under a fiduciary standard.

George Lu is a Series 66-licensed financial advisor at Merrill with one year of industry experience. His prior work includes roles at Bank of America, Ameritas Insurance Corp., and Fortinet, among others. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Karim Nalbandy is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2012. 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 a multi-asset investment approach backed by centralized custody and operational support.

Davion Chaidez is a Series 66 licensed advisor at Wells Fargo Clearing with two years of industry experience. He has been with Wells Fargo Clearing since 2023 and previously worked at Wells Fargo from 2016 to 2020. Outside of his advisory role, he owns a rental property in Spokane, Washington. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Jonathan Barr is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously worked at Transamerica Financial Advisors and Wfg before joining LPL Financial in 2018. 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 advisory programs, financial planning, retirement plan consulting, and brokerage services with access to model portfolios, research, and technology-driven investment strategies.

David Cruz Castellanos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2015, with a brief employment gap from 2017 to 2018. Based in San Jose, CA, he currently serves clients through J.P. Morgan Securities. 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, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Herminia Ojeda is a Series 66 licensed financial advisor with Ameriprise in San Jose, CA, and has 20 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Outside of her advisory role, she manages a personal individual 401(k) through a pass-through entity. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Ajay Kirpekar is a Series 66 licensed financial advisor with Edward Jones in Saratoga, California, and has one year of industry experience. Prior to joining Edward Jones in 2023, he worked at Principal Financial, University of California, Northrop Grumman, and RiversideRE. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Todd Duncan is a CFA® charterholder and holds a Series 66 license with three years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA. His prior experience includes roles at First Republic Securities Company, Wells Fargo, and Enterprise Trust and Investment Company. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Paul Peterson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at TD Ameritrade and JPMorgan Chase Bank. 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 an ESG eligibility framework.