Maclan Yavuz is a Wealth Management Planning Consultant at Fidelity Investments, where he collaborates with clients, a Wealth Management Advisor, and a team of specialists to develop personalized financial plans tailored to clients' needs. He focuses on building meaningful, lasting relationships to support clients and their families. His professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2021 to 2023, then as a Relationship Manager from 2023 to 2026 before assuming his current position. Throughout his tenure, he has been engaged in comprehensive wealth management and client support. Outside of his professional work, Maclan enjoys cooking and baking, family activities, music, spending time with pets, reading, and practicing yoga.

Ryan Purpur is a financial advisor with Charles Schwab & Co., Inc. in Menlo Park, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Area Wide and was involved with Stanford Summer Camps and the Stanford Campus Recreational Association during his full-time education. 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 and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Dalten Smith is a CFP® and Series 66-licensed financial advisor at Charles Schwab with three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021 and previously held positions in logistics and education. His past roles include work at GEODIS Logistics, Lakeridge Golf Course, and Full Time Education. Charles Schwab serves a large client base, 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 and discretionary investment solutions supported by multi-asset model portfolios and centralized operational structures.

Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.

Liya Lin is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 licenses and five years of industry experience. Her prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Co. She spent two years as a homemaker before resuming her career in financial services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics based on diversification principles and modern portfolio theory to evaluate investment options while offering a range of brokerage and advisory solutions.

Willard Wellings is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has a long career including prior roles at Avantax Advisory Services and 1ST Global Advisors. He is also a partner at Wellings & Co., a firm he has been associated with since 1990. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and retirement services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Andrew Tang is a CFP® with 24 years of industry experience, currently affiliated with Charles Schwab. His prior roles include positions at TD Ameritrade and Fidelity, where he worked for a combined total of 14 years. Outside of his advisory work, Tang serves as an assistant girls junior varsity basketball coach for the Santa Clara Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its wealth advisory wrap fee program and affiliated managed-account services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Zhenzhen Huang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Mailyn Nelson is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Nelson held various roles including positions in Enterprise Mobility and university instruction. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Hank Peng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Fidelity Investments, GENRICH Family Office, and academic institutions such as the University of California, Irvine, and the College of San Mateo. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

Daniel Schwartz is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 credentials. He has 13 years of industry experience and has been with Charles Schwab and Charles Schwab Bank since 2012 and 2014, respectively. 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 offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure that supports centralized supervision, custody, and order routing.

Colleen Erickson is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2010. Based in Palo Alto, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Sze Wai Kwok is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. Kwok has worked at Charles Schwab Bank and Charles Schwab since 2019 and previously held roles at Bank of America, Merrill, Bancwest Investment Services, and Bank of the West. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios and a formal alternative-investment process.

Daniel Peterson II is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked in educational roles at San Jose State University and Palma Highschool. He serves as a board member for the Sigma Nu Fraternity Alumni Association, where he participates in organizing alumni and student events. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2009. He holds Series 63 and Series 66 designations. 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. As a subsidiary of J.P. Morgan, the firm delivers advisory services alongside affiliated brokerage and investment management capabilities.

Kristy Takacs is a Planning Consultant at Fidelity Investments, where she focuses on building relationships with clients and their families to maintain accurate and current financial plans. Since joining Fidelity in 2019, she has held roles including Financial Representative and Relationship Manager before assuming her current position in 2020. Kristy's professional experience encompasses financial planning and client relationship management within Fidelity Investments. She holds a California Insurance License, supporting her work in financial services. Outside of her professional role, Kristy enjoys activities such as camping, attending concerts, exploring culinary experiences, spending time at the lake, listening to music, and practicing Pilates.

Jinyuan Ren is a financial advisor with Fidelity Investments in Los Altos, CA. He holds Series 63 and Series 66 designations and has been with Fidelity since 2026. Prior to joining Fidelity, he held positions at Bain & Company, KPMG, and several financial firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery that integrates proprietary research, quantitative analysis, and algorithmic construction.

Michael Kavanaugh is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera and its affiliates since 2021, following a long career at Voya Financial Advisors and Preretirement Marketing Insurance Service. Outside of his advisory role, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse investment strategies.