Ka Man Chan is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. Prior to joining Mass Mutual Investors Services, Chan worked at TD Ameritrade Investment Management and TD Ameritrade, Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software tools for client goal analysis and delivering collaborative, annual planning relationships.

Atanu Bose is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior roles include positions at Charles Schwab & Co, Wells Fargo Clearing, and Motilal Oswal Financial Services Ltd. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios and offers services such as discretionary portfolio management and fund advisory.

Brendan Carlyle is a financial advisor at UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he worked at the County of Santa Clara, The Home Depot, and Target, and attended Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients’ goals and risk tolerances.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

Jim Lucas is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of the West and HSBC Securities (USA), Inc. Outside of his advisory role, he is the sole owner of a real estate LLC. 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. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Yun Huang is a Series 66 licensed financial advisor with 18 years of industry experience, currently with Charles Schwab. Prior to joining Schwab in 2022, Huang worked for Wells Fargo affiliates from 2006 to 2021. Outside of finance, Huang teaches yoga and meditation through Shaolin Temple USA and owns The Awaken Zone in Union City, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals with a range of advisory, brokerage, and custody services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational platform.

Suna Yalaz Angell is a CFP® professional with 18 years of experience in the financial services industry. She is currently with Morgan Stanley in Palo Alto, CA, having previously worked at Bank of America, Merrill, and Parallel Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through direct engagements and corporate financial planning agreements.

Nickitas Panayotou is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He has recently entered the industry with approximately one year of experience, including prior roles at Charles Schwab and his own entity, Nickitas 7280. Outside of his advisory work, he holds a legal title as CEO and board member of Golden Anchor Auctions Incorporated, a non-operational automotive sales company with minimal personal involvement. 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 SMAs and employs a multi-asset model portfolio approach alongside centralized custody and order-routing services.

Vicki Bowen is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 licenses and has 25 years of industry experience. Her career includes roles at Wells Fargo Advisors Financial Network, J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Morgan Stanley. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Amado Rivera Jr. is a financial advisor with LPL Financial in San Jose, CA, holding CFP® and Series 66 designations and bringing 18 years of industry experience. He has worked previously at City National Bank, RBC Capital Markets, Morgan Stanley Private Bank, and Waddell & Reed. Outside of his advisory role, Rivera maintains a personal blog as an Instagram creator focused on vintage remote control vehicles. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and diversified strategies.

Winnie Guo is a CFP® professional with seven years of industry experience, currently serving at Charles Schwab since 2019. Her prior experience includes roles at Morgan Stanley, JP Morgan Chase, and Bank of America. Outside of her advisory work, she provides in-home care services for family members. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary strategies and offers a centralized, integrated platform for custody, brokerage, and investment guidance.

Katrina Hernandez Wright is a financial advisor at UBS Financial Services with 12 years of industry experience. She has been with UBS since 2013 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals.

Roger Guan is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy preparation, performance reporting, participant education, and plan benchmarking.

Tim Kecken is the Vice President Private Wealth Management Advisor at Fidelity Investments. In this role, he collaborates closely with clients to develop customized wealth strategies that focus on the growth, preservation, and transfer of their wealth. He leverages Fidelity's extensive resources, including a team of specialists, to align financial plans with the priorities and values of clients and their families. Tim has been with Fidelity Investments since 2006, holding various positions such as Wealth Management Advisor in Private Wealth Management since 2021, Vice President and Branch Leader from 2018 to 2021, Regional Planning Consultant from 2012 to 2018, Senior Portfolio Specialist from 2010 to 2012, Portfolio Specialist from 2009 to 2010, Relationship Manager in the Private Client Group from 2008 to 2009, Mutual Fund, Equity, and Options Trader from 2007 to 2008, and Financial Representative from 2006 to 2007. He holds a California Insurance License. Outside of his professional work, Tim enjoys attending concerts, cooking and baking, running, snowboarding, surfing, and traveling.

Julie Saso is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been advising clients since 1997. She specializes in managing new wealth, personal retirement planning, and retirement income, focusing on the development, implementation, and tracking of clients’ unique goal-based retirement strategies. Julie is responsible for managing existing client relationships and implementing wealth management plans tailored to her clients' financial objectives. Julie holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. She earned a Bachelor of Science degree in Business Management from the State University of New York at Oswego and also holds a certificate in Interior Design from the Fashion Institute of Design and Merchandising in Los Angeles. A native of Clifton Park, New York, Julie initially worked out of Merrill Lynch’s Century City office before relocating to San Jose in 2005. Outside of her professional role, Julie is involved with St Martin of Tours School, where her son attends kindergarten. Her personal interests include hiking, interior decorating, spending time with her family, traveling, watching movies, and practicing yoga.

Fazeel Dinga is a Financial Consultant currently working at Fidelity Investments since 2022. He provides clients with tailored guidance to help plan for and pursue their financial goals. Prior to his current role, Fazeel served as Vice President of Investments and Private Client Advisor at J.P. Morgan Wealth Management from 2020 to 2022. He also held a position at J.P. Morgan Chase between 2017 and 2020. He holds a California Insurance License. Outside of his professional work, Fazeel has personal interests in cars, cooking and baking, fitness, football, motorcycles, and pets.

Matthew Healy is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 credentials and has 27 years of industry experience. His prior experience includes a decade at U.S. Bancorp Investments and U.S. Bank. He also operates Healy Insurance Services, focusing on non-variable insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management, model portfolios, and access to research and technology-driven strategies.

Adam Glatz is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over eight years of experience in the financial services industry. His prior experience includes roles at JPMorgan Chase Bank, N.A., Bank of America, and PNC. J.P. Morgan Securities 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 combination of advisory and brokerage capabilities. The firm delivers its program on a non-discretionary basis, with recommendations supported by an in-house manager solutions team and a centralized due-diligence framework.

Norman Ferrando is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2018. Prior to that, he was employed at Charles Schwab and Charles Schwab Bank from 2016 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by its Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations, managing approximately $2.74 trillion in client assets.

An Nguyen is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill and Bank of America, he held roles at Wyndham Garden Hotel and San Jose State University. Outside of his advisory work, he is employed by IHSS, supporting elderly individuals with daily activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using both model-based and discretionary investment strategies.