Stephen Koh is a financial advisor with Mass Mutual Investors Services in Hayward, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life since 2007. Outside of his advisory work, Koh serves as a pastor, engaging in preaching and pastoring duties. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for goal analysis and delivers written recommendations through ongoing collaborative planning engagements.

Michael Devere is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. In addition to his advisory role, he is an agent offering accident, health, disability, long-term care, and traditional life insurance products along with fixed and equity-indexed annuities. OSAIC serves a wide range of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management, offering diversified portfolios across multiple asset classes.

David Santos is a financial advisor with Wells Fargo Clearing in Castro Valley, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with Wells Fargo Clearing Services LLC since 2017 and has been associated with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Danny Pham is a financial advisor with Charles Schwab, holding a Series 66 designation and 27 years of industry experience. He has been with Charles Schwab since 2000 and has worked at Charles Schwab Bank since 2005. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and multi-asset model portfolios.

Eunice Scholten is a CFP® professional with over 26 years of industry experience, currently advising clients at Edward Jones since 2006. She holds Series 63 and Series 65 licenses. Outside of her advisory role, Eunice is involved as an owner and trustee of family investment trusts holding rental properties in California and Iowa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a national network of more than 23,000 financial advisors and over 15,000 branch offices.

Narges Kadirzada is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Advisors. 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. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kin Chin is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America and Merrill since 2014. 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.

Gurmeet Gulati is a financial advisor with Merrill based in Livermore, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2012. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutions.

Kelly James is a financial advisor with Wells Fargo Clearing in Redwood City, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as co-trustee for his step-mother and is involved in managing certain investment-related activities. 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 advice. The firm’s advisory process is IPS-driven and incorporates a wide range of financial products, including insurance-related vehicles and bank deposit sweep options.

Max Everett is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with 8 years of industry experience. Prior to joining Schwab in 2017, he worked at Pebble Beach Company for three years. 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence on alternative investments through its centralized operational structure.

Jane Loo is a financial advisor at Morgan Stanley with a Series 66 designation and one year of experience at the firm. Her prior background includes roles at Genentech and teaching positions at several educational institutions, including Smith College and Saratoga High School. Morgan Stanley Wealth Management provides financial advisory and planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning supported by firm-approved tools and a range of investment programs.

Joshika Kumari is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Merrill Lynch, Pierce, Fenner & Smith, California Bank and Trust, Wells Fargo Bank N.A., and Starbucks Coffee Company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Tim Kao is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2018. In this role, he supports financial advisors and associates to deliver comprehensive financial services to clients. His professional approach emphasizes making complex financial decisions understandable through holistic guidance combined with Fidelity's resources to help clients manage their financial journeys effectively. Mr. Kao has extensive experience in the financial services industry, having held senior roles including Managing Director positions at Prudential Advisors from 2015 to 2018 and Park Avenue Securities from 2012 to 2015. Earlier in his career, he served as Agency Sales Director and National Consultant at MetLife Securities between 2006 and 2012, and as a Financial Planner at Tax and Financial Group from 2002 to 2006. He holds a California Insurance License. Outside of his professional responsibilities, Tim Kao enjoys biking, attending concerts, spending time with family, fitness, and playing football and golf.

Bolor Erdene Nergui is a financial advisor at Merrill with a Series 66 designation. She has held positions at Merrill and Bank of America since 2025 and 2026 respectively, and previously worked at ABB LLC, Bugat Corporation, and Instacart. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Huerta is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research from UBS Global Research to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers a range of products including discretionary portfolio management, wrap fee programs, and alternative investments.

Ambreen Baig is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked previously at IndusInd Bank and ICICI Bank Ltd. Baig is based in Walnut Creek, CA. 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 advice grounded in modern portfolio theory. The firm includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, in its investment menus.

Lauren Murcia is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and with 17 years of industry experience. She has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning services. The firm’s financial planning process employs structured discovery and approved tools to model outcomes, managing approximately $2.74 trillion in client assets.

George Papadoyannis is a CFP® with 35 years of industry experience, currently serving at Ameriprise since 2020 and previously at Ameriprise Financial Services, Inc. from 2005. He is involved in business ownership with Mega Branch Inc and holds a consulting role with Agean Blue Dream Villas in Greece. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Mohammad Safariannematabad is a Financial Advisor at Merrill Lynch Wealth Management. He works with executives, attorneys, physicians, family business owners, and families to help them navigate important financial decisions with confidence. Mohammad focuses on providing personalized wealth management guidance, emphasizing a relationship-centered approach to understand each client's unique needs. His expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, socially responsible and ESG investing, and retirement income. Mohammad holds a Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from IVC. He communicates professionally in both English and Farsi. Mohammad's mission is to simplify complex financial matters and offer guidance that empowers clients to make informed choices. He aims to build lasting relationships based on trust and personalized advice, supporting clients in pursuing their long-term financial goals.

Robert Duncan Anderson is a CFP® with 19 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously spent 14 years at Commonwealth Financial Network. In addition to his advisory work, he serves as Treasurer and Board Member for the Danville Oaks Rugby Club, overseeing its financial policies and reporting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling to support client goals.