Emily Tran is a Series 66-licensed financial advisor with Merrill in San Mateo, CA, with eight years of industry experience. She has been with Merrill since 2017 and also works at Bank of America, N.A. since 2021. Prior to her advisory career, she was affiliated with New York University from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephanie Hepp is a Series 66 licensed financial advisor with Merrill, where she has worked since 2016. She has 18 years of experience in the industry and is based in Pleasanton, 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 investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephan Garate is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and entering his first year in the industry. His background includes roles in construction, education, and small business ownership prior to joining the financial services sector. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and extensive asset management.

Harsh Pradhan is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2006. He has over 19 years of experience at Fidelity, focusing on serving clients by leveraging the company's resources to develop and implement wealth planning strategies. Prior to his current role, Harsh worked as a Financial Consultant at Charles Schwab & Co., Inc from 1998 to 2000 and at Dean Witter Reynolds Inc from 1995 to 1998. Harsh holds a California Insurance License, supporting his work in financial consulting and wealth management. He emphasizes building relationships with clients to understand their priorities and advocate effectively on their behalf. Outside of his professional responsibilities, Harsh enjoys family activities, gardening, hiking, and traveling.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

Yue Carol Liao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America/Merrill Lynch. Outside of her advisory role, she manages a family rental property in Dublin, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Bhavin Mehta is a CFP® with 34 years of industry experience, currently serving as an advisor at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America Inc. from 2017 to 2024, and held positions at LPL Financial and Kestra Financial Services. Outside of his advisory work, Mehta serves as an officer and board member of Omkar Rocklin Inc., a motel property business, and is involved with an HOA board and a software consulting firm operated by his wife. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisors, utilizing asset-allocation tools, risk assessments, and third-party platforms to construct and manage portfolios.

Gregory Kosal is a financial advisor with Wells Fargo Clearing in Mountain View, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked across multiple Wells Fargo entities since 2014, including Wells Fargo Advisors and Wells Fargo Bank, nA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Agustin Arroyo is a financial advisor at Ameriprise with seven years of industry experience and holds a Series 66 designation. His prior experience includes roles at Charles Schwab & Co., Cetera Advisor Networks, Parsons Wealth Management, and LPL Financial. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides clients with tailored retirement-income planning through written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jimin Chen is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Chen holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo and HSBC. Outside of finance, Chen is a silent partner in a hospitality business, Jimin and William Corporation, which operates Vinum Bar. 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 institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

Joshua Denton is a Financial Consultant with over 10 years of experience in the financial services industry. He currently focuses on retirement planning, investment planning, tax-efficient investing, retirement income strategies, and comprehensive financial planning. His approach aims to simplify financial planning and provide actionable strategies for individuals and families. Throughout his career, Joshua has held leadership roles at Wells Fargo, including Senior Branch Premier Banker from 2019 to 2024 and Senior Branch Leader from 2014 to 2019. He holds a California Insurance License. Outside of his professional work, Joshua engages in family activities, football, outdoor adventures, and traveling.

Maritza Rogers is a CFP® professional with 22 years of experience in the financial services industry. She is currently with OSAIC and previously spent 21 years at Lincoln Financial Advisors. In addition to her advisory role, she is registered as an insurance agent offering products such as accident and health insurance, fixed and indexed annuities, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, corporate and charitable organizations, providing integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct investment portfolios across various asset classes, and supports both discretionary and non-discretionary account management.

Robert Rule Jr. is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved in selling individual health insurance plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios and research.

Ben Kim is a Series 66-licensed financial advisor at J.P. Morgan Securities with four years of industry experience. He has been with J.P. Morgan Securities since 2021 and concurrently works at JPMorgan Chase Bank, N.A. since 2012. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Andrew Castro is a CFP® and holds a Series 66 license, with 12 years of industry experience. He has been with Edward Jones since 2014, working in their Menlo Park, CA office. Outside of financial advising, he coaches group classes at CrossFit Palo Alto in Mountain View. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Gregory Meyerott is a financial advisor at Wells Fargo Clearing with Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at JPMC Bank NA, J.P. Morgan Securities, and Redwood Park Advisors. 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 utilizes research and analytics to offer diversified investment solutions and operates both brokerage and advisory platforms.