Suhrob Kaharov is a financial advisor with J.P. Morgan Securities, holding the Series 66 designation and bringing 19 years of industry experience. He has worked with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2016 and previously held positions at Wells Fargo Clearing and Wells Fargo Investments. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions, offering recommendations within an ESG eligibility framework and utilizing affiliates for implementation and portfolio services.

Connor McGuire is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and possessing 10 years of industry experience. He has worked at Morgan Stanley since 2015, including roles with Morgan Stanley Private Bank, National Association since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Mark Kleiner is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2012. He is committed to understanding each client's unique financial situation and goals, collaborating with them to develop personalized financial plans. Mark utilizes a wide range of investment options and diversified strategies available through Fidelity to help clients work towards their financial objectives. Mark has extensive experience in the financial advisory field, having previously worked as a Financial Advisor at UBS Financial Services from 2006 to 2012 and at Morgan Stanley from 2001 to 2006. He holds a California Insurance License. Outside of his professional work, Mark enjoys running and swimming.

Virendra Kanyal is a financial advisor at Charles Schwab with 21 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2007. Outside of his advisory role, he co-owns a vacation home in Park City with his wife. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management services combined with custody and brokerage solutions.

Kenneth Fesler is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work includes roles at Our Time to Act United and the University of California, Davis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of mutual funds, ETFs, and other investment vehicles.

Daniel Duran is a financial advisor at Charles Schwab with a Series 66 credential and approximately one year of industry experience. His prior work includes roles at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. 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 mix of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Michael Scandalios is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with UBS since 2002 and has worked in the financial sector since 1998. Outside of his advisory work, he is also an author of novels. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets and banking services.

Jeffrey Bohn is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Ngan Do is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Bank of America and Merrill since 2017. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Harish Pai is a financial advisor at Edward Jones in Sunnyvale, California, with eight years of industry experience. He has held his current role since 2017 and previously worked at Northern Trust Operating Services. Pai is also involved in online tutoring, specializing in CFA-related subjects through the platform Wyzant. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Yiukong Lau is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and 65 licenses and bringing 10 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company, as well as experience with Farmers Insurance and rideshare companies Lyft and Uber. Outside of his advisory work, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, utilizing software tools and a collaborative approach to help clients address their financial goals.

Christopher Phillips is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Fidelity, New York Life, and other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Kenneth Lee is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and Compass Bank. Outside of his advisory role, he is involved with Leemann LLC, a home-based business related to rental property management. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with investment strategies implemented through a network of investment adviser representatives.

Timothy Cariolano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 63 designation and 15 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for seven years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations to support its financial planning process.

Quyen Nguyen is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 credential and seven years of industry experience. Nguyen has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Outside of advisory work, Nguyen is involved in commercial real estate investment through ownership and partnership roles in several related entities. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Danielle Aldama is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and bringing 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Aldama is involved in independent sales of hair care products and jewelry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Andrew Le is a financial advisor with UBS Financial Services in Palo Alto, CA, holding the Series 66 designation and over 25 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Nicole Gatiss is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Fidelity Investments from 2022 to 2024 and joined Charles Schwab and Charles Schwab Bank in 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Ana Le is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at U.S. Bank, U.S. Bancorp Investments, Inc., and Unionbanc Investment Services. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

John Froman is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Bank of America, N.A., Merrill, and AllianceBernstein L.P. His current role spans over 10 years across several prominent financial institutions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.