Dinesh Goyal is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Securities America Inc., Securities America Advisors, LPL Financial, and Kestra Financial Services. He is also trustee of the Dinesh & Seema Goyal Family Trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charitable organizations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates portfolio optimization and risk management tools.

Giang Le is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 and Series 63 designations. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank, as well as academic experience at De Anza College and CSU East Bay. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Anthony Nguyen is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Wells Fargo Investments and NSI Engineering prior to joining J.P. Morgan in 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a forward-looking capital market approach and includes capabilities in derivatives and commodities.

Jesus Morales Moreno is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he was involved in entrepreneurial ventures including Junior's Farm LLC and Dolce Spazio Gelato. He also has a background in education, having completed studies at the University of California, Santa Cruz, De Anza Community College, and other institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail and institutional investors. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves notable roles such as advising registered investment companies and delivering portfolios for Fidelity Institutional Wealth Adviser.

Mathew Miller is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of the West, Bancwest Investment Services, Inc., and JPMorgan Chase Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Carter Crum is a financial advisor at UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both an investment adviser and a broker-dealer.

Donna Cirelli is a financial advisor with Primerica Advisors, holding a PFS™ designation and a Series 63 license, and has 27 years of industry experience. Her background includes work with the U.S. Treasury/IRS, Farmers Financial Solutions, and a real estate sales role at Century 21 since 2018. She is also a partner at Muller & Associates, a CPA firm where she commits approximately 20 hours per month. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 financial advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party asset managers.

Curtis Ko is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Investments and Wells Fargo Clearing since 2007. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Rajesh Cheethirala is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, New York Life Insurance Company, and MassMutual Life Insurance Company. Outside of his advisory work, he is the president and owner of Syncrasy, a business operating a Baskin-Robbins franchise in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Christian Tice is a CFP® with LPL Financial, based in San Jose, CA, and has 47 years of industry experience. He has been affiliated with LPL Financial for 43 years and holds securities licenses including Series 63 and Series 65. Outside of his advisory work, he is involved in non-variable life, health, and disability insurance services and has experience as a real estate broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, third-party asset management, and institutional platforms, supporting investment strategies that include model portfolios, direct indexing, and alternative exposures.

Michelle Yeh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over two decades of experience in the financial services industry, having started her career in 2003 and transitioning from personal banking to wealth management. Her expertise includes college education planning, managing new wealth, retirement planning, portfolio management, and tax minimization. Michelle holds a Bachelor's Degree from the University of California system and earned her MBA from Santa Clara University. She has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Mandarin, English, and Chinese, Michelle leverages her comprehensive background to develop personalized financial strategies for her clients. Based in the Bay Area, Michelle participates in community volunteering in line with Merrill's tradition of community involvement. In her spare time, she enjoys cooking, gardening, rock climbing, running, spending time with her family, playing tennis, watching movies, and practicing yoga.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Keith France is a financial advisor with Cetera in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at BMO Harris Financial Advisors and M&I Financial Advisors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Scott Rogers is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2001. He is based in San Jose, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions and providing a range of retirement plan consulting services.

Ophelia Swen is a financial advisor at Ameriprise with one year of experience in the industry and holds a Series 66 designation. Prior to joining Ameriprise in 2026, she worked at LPL Financial LLC and Cairn Wealth Advisors from 2021 to 2026, as well as KeyCon from 2018 to 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing retirement-income planning advice based on a written Recommendation Report, focusing on dependable income sources and tax-aware withdrawal strategies.

Spencer Crume is a Series 66-registered financial advisor with 11 years of industry experience, currently with Ameriprise Financial Services. He previously worked at Merrill and Bank of America for eight years and has experience from Edward Jones and Full Sail University. He serves as Treasurer on the Board of Directors for the Dominus Sports Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing planning advice focused on retirement income strategies, leveraging proprietary research and algorithmic tools.

Jennifer Tran is an Investment Consultant at Fidelity Investments, a position she has held since 2025. In this role, she connects with clients and their families to develop personalized strategies that align with their unique goals and priorities. Jennifer has over a decade of experience in the financial industry. Prior to her current role, she worked as a Regional Insurance Specialist at Citigroup from 2022 to 2024, and as a Registered Representative at New York Life Insurance Company from 2014 to 2022. She also held positions as a Senior Relationship Banker at Union Bank from 2013 to 2014 and as a Relationship Banker at JP Morgan Chase Bank from 2011 to 2013. She holds a California Insurance License. Outside of her professional work, Jennifer enjoys spending time at the beach, gardening, watching movies, swimming, traveling, and practicing yoga.

Mark Grisedale is a financial advisor with LPL Financial in Morgan Hill, CA, holding a Series 63 license and 29 years of industry experience. He has been with LPL Financial since 1997. Outside of his advisory role, he is a business owner and veterinarian. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.