Elier Peraza is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Cetera and has held various roles at firms including Avantax and Johanson & Yau, where he serves as Director of Financial Services. In addition to his advisory work, he has acted as a temporary independent trustee for an irrevocable trust. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services. The firm operates as a multi-manager platform, allowing advisors to implement diverse investment strategies and program options across discretionary and non-discretionary accounts.

Vera Laver is a financial advisor at Edward Jones in Sunnyvale, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she worked at firms including Raymond James and has been involved in various roles since 2007. Outside of financial advising, she provides notary services in California, including document notarization and wedding services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Brandon Seanez is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. Prior to his advisory role, he had experience in the hospitality and wine industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing a broad range of solutions including portfolio management, financial planning, and capital markets activities.

Raymond Kong is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 license and 22 years of industry experience. His prior work includes nearly two decades at Avantax Advisory Services and related entities, and he has operated a tax preparation and accounting business since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various financial products.

Glynis Wineinger is a financial advisor at Edward Jones with 29 years of industry experience. She has held her role at Edward D. Jones & Co., L.P. since 1996. She holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

William Gerdts is a financial advisor with Raymond James & Associates in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He previously worked at Wells Fargo Clearing and A. G. Edwards & Sons. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research resources.

Khoi Le is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has an extended tenure at Wells Fargo Bank, NA starting in 2008. 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 operates both brokerage and advisory platforms.

Daniel Dipietro is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses. He has two years of industry experience and has worked at several firms including Bank of America, Merrill, JPMorgan Chase, Northwestern Mutual, and T3 Trading Group. Outside of finance, he has prior experience in the restaurant industry and worked at University of California - Santa Cruz. 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Lawrence Lo is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2019, having been with Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 1998 to 2009. He is based in San Jose, California. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm uses structured discovery processes and advanced planning tools, managing approximately $2.74 trillion in client assets.

Sirivanh Harris is a CFP®-credentialed financial advisor with 17 years of industry experience, currently serving clients at LPL Financial since 2021. Prior to joining LPL, Harris held roles at Waddell and Reed, Inc., various insurance carriers, and operated her own business, Sirivanh S. Harris, Inc. She was also involved with Los Gatos Power Partners for over a decade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing a variety of investment strategies and technology tools to support its network of over 22,800 advisors.

Scott Caldwell is a CFP®-certified financial advisor with 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Morgan Stanley and Citigroup Global Markets. He serves as a trustee and executor for a family trust in San Jose, CA. 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 uses research-driven investment strategies and provides both brokerage and advisory solutions.

Phuong Leyva is a Financial Consultant at Fidelity Investments, where she assists clients in navigating their unique financial situations. She focuses on planning and guidance to help clients work toward their overall goals, including preparations for retirement and beyond. Phuong has held several roles within Fidelity Investments, progressing from Investment Consultant in 2024 to Relationship Manager from 2022 to 2024, before becoming a Financial Consultant in 2025. Prior to joining Fidelity, she was a Private Client Banker and Assistant Vice President at JP Morgan Chase from 2009 to 2022. She holds a California Insurance License. Outside of her professional work, Phuong enjoys activities such as beach outings, football, running, snowboarding, traveling, and writing.

Randy Manzanares is a financial advisor with Charles Schwab in Sunnyvale, CA, holding Series 63 and Series 65 licenses and with six years of industry experience. His prior experience includes roles at JPMorgan Chase and JP Morgan Securities LLC. Outside of his advisory work, he is an independent sales representative for Amway. Charles Schwab & Co., Inc. serves a broad 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocations.

Maximillian Walsworth is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, he held positions at PricewaterhouseCoopers and completed his education at Loyola Marymount University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment models. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Kyra Arielle Jaro is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She has previously worked at Merrill and Evercore. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios and oversees multiple sub-advisers while maintaining governance and conflict-of-interest controls.

Behrooz Ighani is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides comprehensive wealth management strategies tailored to each client's unique financial situation and goals. Behrooz leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives, including college education planning, retirement planning, and socially responsible investing. Before entering the financial services industry, Behrooz earned both his bachelor's and master's degrees in engineering from California State University and Santa Clara University, respectively, and worked as a design engineer in Silicon Valley. He holds the Personal Investment Advisor (PIA) designation and is a member of professional organizations such as the CFA Society, IEEE Organization, and a local Tennis Club. In addition to his professional work, Behrooz actively contributes to his community through involvement with Stratford Schools, the Zoroastrian Association of Northern California, and the Alzheimer's Association. He enjoys spending time outdoors with his wife and son and maintains an active lifestyle that includes boating, cooking, golfing, skiing, tennis, and yoga.

Evan Harris is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation and Series 66 license. He has 10 years of industry experience and has worked with MML Investors Services LLC and MassMutual Life Insurance Company since 2015. Harris is also vice president of Harris Private Wealth Management & Insurance Solutions Inc., where he manages the firm and serves as a wealth management advisor. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative financial planning engagements using advanced software tools and offers a range of investment and planning programs.

Serop Kupelian is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach includes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Steve Fang is an investment advisor at LPL Financial with four years of industry experience. He holds Series 66 and Series 63 licenses and has prior experience at firms including J.P. Morgan Securities LLC and Fidelity Investments. Fang also performs notary services as part of his professional activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, combining extensive resources with a large network of investment adviser representatives.

Jaden Gospich is a financial advisor at Raymond James Financial with a Series 66 designation and no prior industry experience. He has worked at Adint, Ramaekers & Associates since 2026 and joined Raymond James in 2025. His previous experience includes roles at Pepperdine University and Sachs Properties LLC. 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 analytical tools and supports various advisory programs and institutional portfolio management.