Julie Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. She has been with JPMorgan Securities LLC since 2015. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Alan Day is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 and Series 63 designations and has worked at JPMorgan Chase Bank, N.A. since 2013, joining J.P. Morgan Securities in 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending eligible strategies.

Matthew Dennis is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. He worked at MML Investors Services LLC and MassMutual Life Insurance Company for nine years before joining LPL Financial. Outside of his advisory role, he is involved with Matador Risk in executive protection services. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, leveraging model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Carla Koren is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 1997. Koren serves on the finance and investment committees of Girls Inc of Alameda County and Temple Sinai. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and firm-approved tools but generally acts in an advisory capacity without individual security recommendations in standalone plans.

Nathalya Wolf is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank from 2009 to 2018. 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 delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Neelofar Hossaini is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 63 designation and eight years of industry experience. She has held various roles within Wells Fargo entities since 2014. Outside of her advisory work, she is an authorized signer for a local hair salon’s business accounts in case of emergencies. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Steven Kay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Cetera Wealth Services since 2013 and joined Cetera in 2023. Outside of advisory work, he is involved in fixed life and health insurance through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Nathan Chan is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has previously worked at Saint Luke's Health System and the University of Missouri Kansas City School of Pharmacy. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements and offers a range of programs including educational seminars and specialized event-driven planning services.

Kingman Lowe is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as Secretary with the WA Sung Service Club and is a partner on the advisory board of the Aptos III Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a comprehensive approach involving the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Naomi Evans Jalloh is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, Deyoe Wealth Management, and LPL Financial. Outside of her advisory role, she is a general partner and managing member of Black Sheep Acquisitions, a for-profit entity engaged in real estate. 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.

Lovely Agnihotri is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and 10 years of industry experience. Her work history includes roles at HSBC Securities (USA) Inc., Cathay Bank, and Wells Fargo Bank, nA. She also took periods away from the industry to be a stay-at-home mom. 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 combines research from Wells Fargo Investment Institute with third-party data and applies diversification principles and modern portfolio theory in its investment evaluations.

Ali Kazemi is a financial advisor with Cetera, holding Series 63 and 65 credentials and bringing 37 years of industry experience. He has worked with firms including Avantax and LPL Financial and serves as owner of Sentinel Financial Group, offering financial planning, investment planning, retirement planning, and tax planning services. Outside of his advisory work, Kazemi is also an associate for In-Home Supportive Services, providing assistance to eligible individuals to support in-home care. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform that includes affiliated and third-party model portfolios with various program and custodial structures.

Min Deng is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Charles Schwab in San Ramon, CA. She has been with Charles Schwab and Charles Schwab Bank since 2013. Outside of her advisory role, she is connected to a retail business partnership involved in the application for an Offsale Beer and Wine Retail license in Richmond, CA. 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 a scale-driven, integrated structure with both non-discretionary and discretionary investment management options.

Ryan Leonard is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining J.P. Morgan, Leonard worked in the automotive sales industry with positions at Ocean Honda of Burlingame, Mercedes Benz of San Francisco, and Anderson Honda. J.P. Morgan Securities primarily provides investment consulting and advisory services to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Allan Abrams is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Cetera Advisor Networks, Reliastar, VOYA Financial Advisors, and his own firm, Abrams Insurance & Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs and financial planning services through a national network of investment adviser representatives.

Jonathan Lew is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 license and seven years of industry experience. Before joining Morgan Stanley in 2019, he worked at Pacific Gas & Electric for three years. Outside of his advisory role, he is involved in managing a rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm uses structured planning tools and proprietary investment models, managing approximately $2.74 trillion in client assets.

Wing Sze Wincy Yung is a financial advisor at UBS Financial Services with eight years of industry experience. She holds the Series 66 designation and has worked at UBS entities since 2005, including UBS Financial Services Inc. since 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Matthew Guillaume is a financial advisor with Wells Fargo Advisors in Orinda, CA. He holds a Series 66 designation and has been in the industry since 2023, with prior experience at JPMorgan Chase & Co and First Republic Bank. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients through a broad range of specialized planning options. The firm integrates advisory services with various financial products and offers recommendations supported by proprietary research and planning tools.

Yudith Macedo Jimenez is a financial advisor with J.P. Morgan Securities LLC in Oakland, CA, holding Series 63 and Series 66 licenses and with three years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A., Quontic Bank, and Better Mortgage. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to inform its recommendations.

Susan Harding is a Series 66-licensed financial advisor with Morgan Stanley in Oakland, CA, bringing 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and research.