Eric Luong is a financial advisor at Merrill holding a Series 66 designation. He has less than one year of industry experience and has worked previously at Park Avenue Securities, Guardian Life Insurance Company, Vanguard, and Bank of America. His background also includes roles outside of financial services, such as positions at Lifo.ai and SPI Energy, as well as academic experience at Santa Clara University and the University of California, Berkeley. 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, pension plans, corporations, and charitable organizations.

Claudia Angeja is a financial advisor at Morgan Stanley with nine years of industry experience. She previously worked at Wells Fargo Clearing for seven years and has been with Morgan Stanley since 2016, including her current role starting in 2025. She holds a Series 66 designation. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Perlita Gudilano is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and has 16 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Outside of advising, she operates an online franchise business based in Manila, Philippines. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Stephen Nykamp is a CFP® with 15 years of industry experience currently with Fisher Investments since 2024. He previously worked at Empower Advisory Group and Personal Capital Advisors, where he spent a decade. Fisher Investments serves a global client base including institutional and high-net-worth individuals, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm uses a centralized investment approach incorporating quantitative and qualitative analysis and employs tax-aware and risk management strategies.

Edward Harris is a financial advisor with LPL Financial in San Leandro, CA, holding a Series 66 designation and 14 years of industry experience. He has been with LPL Financial since 2016 and also serves as a private banker in wealth management at Fremont Bank since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement consulting, and brokerage services with access to model portfolios, third-party subadvisors, and technology-driven investment approaches.

Gareth Crossley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1998. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp., and the Wealth Management Advisor (WMA) title, which demonstrates his expertise in advanced wealth management strategies. Gareth is a graduate of the United States Naval Academy and served in the Marine Corps for seven years, leaving as a Captain. His areas of expertise include college education planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He lives in Danville, CA, with his wife Tiffiny and son Tristan. Gareth and his family enjoy spending time outdoors and exploring different parts of the world.

Kara Chan is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has prior work experience in the biotechnology sector with firms such as Slingshot Biosciences and Twist Bioscience. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management as well as fund advisory services. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction, and supports model portfolios built from mutual funds, ETFs, and ETPs.

Cristania Gourdet is a financial advisor with Edward Jones in San Leandro, CA, holding a Series 66 designation and seven years of industry experience. She previously worked at US Bank from 2015 to 2019 before joining Edward Jones in 2019. 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 and investment strategies through a nationwide network of over 23,700 financial advisors.

Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. 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 both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Ying Juan Xie is a Certified Financial Planner (CFP®) with 10 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2021. Her prior roles include positions at LPL Financial, HSBC Securities USA, Bank of the West, and BancWest Investment Services. Outside of financial advising, she is involved as an employee at Lao Lao Acupuncture Clinic in Milpitas, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Charles Shreve III is a financial advisor with LPL Financial in Fremont, California, holding Series 63 and Series 66 credentials and 35 years of industry experience. He has worked at firms including Merrill and Bank of America, N.A. He is also involved in FB Investment Services, an affiliated business related to his LPL work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Micah Johnson is a financial advisor with LPL Financial in Danville, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Empire Pavers and Empire Medical. Outside of his advisory role, he has involvement in a for-profit reseller business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Xi Zou is a financial advisor at Wells Fargo Clearing with 13 years of industry experience and holds the Series 66 designation. His prior experience includes two years at HSBC Bank USA, N.A. Outside of advisory work, he manages a rental property in Hayward, California. 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 offers both brokerage and advisory solutions and utilizes research and analytics from Wells Fargo Investment Institute alongside third-party databases to guide its investment approach.

Kuang Yang is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014, based in San Mateo, CA. 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 a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and proprietary research.

Michael Robarts is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he has involvement in commercial real estate. 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. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by its Global Investment Committee.

Thomas Kelly is a CFP® and ChFC® credentialed financial advisor with 34 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at Edward Jones and Pacific Life. Outside of his advisory role, he is also involved as a musician in a band. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Michael Oster is a Wealth Management Advisor at Merrill Lynch Wealth Management in Oakland, where he has been serving clients since 1993. Since May 2015, he has held the position of Resident Director of the Oakland office. Michael's professional focus includes working with high-net-worth individuals and families, non-profit organizations, corporate executives, and business owners to deliver customized financial advice aimed at helping clients meet their financial goals and manage their wealth efficiently. He offers expertise across various areas including asset allocation, retirement income planning, tax minimization strategies, estate planning, and socially responsible investing. Michael is a qualified Portfolio Manager, managing portfolios on a discretionary basis with access to a range of investment products such as equities, fixed income, alternative investments, ETFs, and model portfolios. Clients also benefit from access to banking, credit, and lending services through Bank of America, N.A. Michael holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Financial Consultant (ChFC), and Certified Plan Fiduciary Advisor (CPFA). He has Series 7, 63, and 65 FINRA registrations and holds a Bachelor of Science and an MBA from the California State University system. Outside of his professional work, Michael lives in Oakland with his wife and two sons. He is actively involved with the Boys & Girls Club of Oakland as a long-term volunteer. His personal interests include golfing, reading, running, swimming, and traveling.

Erick Milanco is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Primerica Advisors since 2017 and also worked at Raymond Handling Concepts Corp from 2015 to 2020. Outside of his advisory role, Milanco owns Prime Lift Tires, LLC, a forklift repair and service business, and works as a delivery driver for Amazon Flex and DoorDash. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model‑delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and execution services delegated to BNY Mellon Advisors and Pershing.

Leila Esmaili Zamora is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked in various roles including positions at Morgan Stanley Private Bank, LinkedIn, and several consulting and community organizations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and research.

Richard Diregolo II is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and 18 years of industry experience. Prior to joining LPL Financial in 2020, he worked with Securian Financial Services, SGC Financial & Insurance Services, and Minnesota Life Insurance Company over a 13-year period. LPL Financial is an SEC-registered adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by research, model portfolios, and various management strategies.