Bladimir Marquez is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 65 and Series 63 licenses with 22 years of industry experience. He previously worked at ADP Inc. and ADP Broker-Dealer, Inc. for 18 years before joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and estate planning specialists.

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 with Cetera who holds Series 63 and Series 66 licenses and has 16 years of industry experience. His career includes roles at Cetera Investment Services, East West Bank, Bancwest Investment Services, Bank of the West, Edward Jones, and Wells Fargo. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with both discretionary and non-discretionary account options.

Xinmin Liu is a financial advisor with Cambridge Investment Research Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Liu has worked with Cambridge Investment Research Advisors since 2010 and previously spent five years at Mass Mutual Investors Services. Outside of advisory work, Liu serves as COO of Aqua Electronics Co Ltd, an international trade company. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies.

Sanjaya Luthra is a Series 66-registered financial advisor with 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been associated with Wells Fargo Bank since 2006. He is based in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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 seven years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Sandra is based in San Jose, CA. 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 offers model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

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.

Royce Stewart is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior roles include positions at Sagepoint Financial, OSAIC Services, Sunamerica Securities, and Merrill. He has held outside employment roles at Verizon Enterprise Solutions and serves as a director at Armanino LLP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions with a range of advisory and brokerage services. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of investment adviser representatives through advanced operational tools while overseeing substantial discretionary assets.

Meenakshi Saxena is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 21 years of industry experience, including over two decades with Wells Fargo 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.

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 Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he collaborates with clients to understand their current financial situations and introduce suitable solutions offered through Merrill and Bank of America. His focus is on empowering clients with knowledge and tools to manage their financial lives effectively. George holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a bachelor's degree from Santa Clara University. He approaches his work with a philosophy centered on uncovering what matters to clients and their families in order to create strategies that pursue their financial goals.

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 financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and three years of industry experience. He previously worked at Wells Fargo from 2016 to 2020 and has held various roles since. Outside of advising, he owns a rental property in Spokane, WA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement plan consulting services. The firm combines research from Wells Fargo Investment Institute and third-party sources to offer 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. Barr is associated with Solutions Wealth Management, an investment-related business affiliated with his LPL practice. 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 range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools and diverse investment options.

David Cruz Castellanos is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2015, with a brief period outside the industry from 2017 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager selection, and customized performance reporting. Their approach combines quantitative and qualitative research supported by a centralized manager solutions team and incorporates an ESG eligibility framework.

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, and has prior experience at firms including First Republic Securities Company, Wells Fargo, and Enterprise Trust and Investment Company. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, supported by affiliates that provide implementation and portfolio services.

Paul Peterson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at JPMorgan Chase Bank, N.A. and TD Ameritrade Investment Management. He is based in Los Gatos, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG criteria and broad derivatives capabilities.