Harish Pai is a financial advisor at Edward Jones in Sunnyvale, California, with eight years of industry experience. He has held his current role since 2017 and previously worked at Northern Trust Operating Services. Pai is also involved in online tutoring, specializing in CFA-related subjects through the platform Wyzant. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Teresa Johnson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she is the sole owner of a rental property in Nampa, Idaho. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

John Lewis is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 credential and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has served as a trustee for family revocable trusts managing residential rental properties. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Yiukong Lau is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and 65 licenses and bringing 10 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company, as well as experience with Farmers Insurance and rideshare companies Lyft and Uber. Outside of his advisory work, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. 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, and educational programs, utilizing software tools and a collaborative approach to help clients address their financial goals.

Luis Ruelas is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Caitlin Luttrell is a financial advisor with Raymond James Financial in Los Gatos, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James Financial Services Advisors Inc. since 2016 and Raymond James Financial Services, Inc. since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Namal De Silva is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked previously at TD Ameritrade for 20 years. De Silva is also a property owner in San Jose, California. Charles Schwab 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 model portfolio approach supported by centralized custody and operational infrastructure.

Joseph Bummer is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies in its financial planning process.

Yuliya Kuzmenko is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked within various Morgan Stanley entities since 2015. Outside of her advisory role, she operates a retail and online store business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery conversations and advanced modeling tools, serving clients in both advisory and brokerage capacities.

Quyen Nguyen is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 credential and seven years of industry experience. Nguyen has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Outside of advisory work, Nguyen is involved in commercial real estate investment through ownership and partnership roles in several related entities. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Bang Tran is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2011. Outside of his advisory role, he is a co-owner of a rental property with family members. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Tina Ma is a financial advisor with LPL Financial in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with LPL Financial since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios and research from LPL and third-party subadvisors.

Quyen Nguyen is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill and Bank of America, Nguyen held roles at New York Life Insurance Company and has experience in education, including positions at San Francisco State University and De Anza College. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Stanford Law is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He has been with Fidelity for over 18 years, progressing through roles including Financial Consultant and Investment Consultant since 2006. His professional focus is on wealth planning, working closely with clients and families to help them achieve their financial goals. Stanford holds a California Insurance License, supporting his expertise in financial and wealth planning services. Outside of his professional work, he enjoys activities such as baseball, football, golf, traveling, and spending time with his family.

David Davis is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. His career includes roles at Avantax Investment Services, Avantax Advisory Services, and 1ST Global Advisors, among others. Outside of advising, he serves as a trustee for multiple trusts and is a principal at Johanson & Yau Accountancy Corp, providing tax and accounting services. He also holds a board member position with BKR International, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or construct custom strategies.

Ashley Nguyen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Nicole Gatiss is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Fidelity Investments from 2022 to 2024 and joined Charles Schwab and Charles Schwab Bank in 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Tiffany Le is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 license and 16 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2010. Outside of her advisory role, she is the sole owner of The Mastic LLC, a company that provides residential rental services. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and integrates centralized custody, brokerage, and cash-sweep services.

Matthew Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his advisory role, Montini serves as a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Maninder Budwal is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2025 and also has a longstanding role at Patelco Credit Union since 2010. 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, and brokerage services with both discretionary and non-discretionary management options, supported by proprietary and third-party research.