Alia Davariar is a Series 66 licensed financial advisor with seven years of experience, currently affiliated with Merrill in San Jose, CA. She has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along 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 various institutional investors.

Erika Tonges is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2017, following four years at GNorth. She holds a Series 66 designation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves a large 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 offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Jason Drotar is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a notary public and co-owns a fitness studio franchise with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations, with planning engagements typically discrete and client-implementation optional.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Jolly Kang is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Merrill, Kang worked at Bank of America and has experience as a caregiver providing in-home supportive services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Anh Huynh is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Anh worked at JPMorgan Chase Bank and J.P. Morgan Securities. Anh has also been involved with entrepreneurial ventures including Buddha Boy Foods Inc. and 3 Kingdoms Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Svetla Vavova Clifford is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. Her prior roles include positions at The Blakeley Group, Charles Schwab, and American Century Investment Services. She is also the owner of Uniquely Yours Designer Dolls, a doll customizing business she has operated since 1999. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Miguel Jimenez is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds a Series 66 designation and previously worked at Merrill for 15 years before joining J.P. Morgan in 2021. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, 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 to build model asset allocations.

Ryan Seay is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He is based in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and methodologies, managing approximately $2.74 trillion in client assets.

Samantha Williams is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments in various roles since 2011, including Financial Consultant, Planning Consultant, and Senior Relationship Manager. Prior to joining Fidelity, Samantha worked at JPMorgan Chase as a Licensed Personal Banker and at E*TRADE FINANCIAL as an Executive Services Specialist. She also held a position with American Express Financial Advisors. Samantha holds a California Insurance License. She is focused on building long-term relationships with clients and their families, emphasizing trust and collaboration to develop holistic financial plans tailored to their unique experiences and goals. Outside of her professional career, Samantha enjoys cooking and baking, participating in family activities, caring for pets, reading, traveling, and volunteering.

Yanming Lin is a financial advisor with J.P. Morgan Securities in Santa Clara, CA. He holds the Series 66 designation and has six years of industry experience. Prior to joining J.P. Morgan, he worked at Ameriprise for eight years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to build model allocations and integrates ESG criteria where appropriate.

Dayna Sumiyoshi is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Christopher Raddie is a financial advisor with Mass Mutual Investors Services in San Jose, CA. He holds the ChFC® designation and Series 66 and Series 63 licenses, with 11 years of industry experience. Since 2019, he has also served as an agent at Silicon Valley Financial Group. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved software and tools, with optional implementation through separate brokerage or insurance arrangements.

Jeffrey Di Bono is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Wells Fargo Investments, Wamu Investments, Banc of America Investment Services, and Signator Investors. He serves as co-trustee for his parents' trust. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Dieter Ramaekers is a CFP® with 28 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. since 2016. He is a co-owner of Adint Associates LLC, which owns the office space where he works, and leads a marketing team through Adint, Ramaekers and Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting and supports a large network of advisors with specialized programs in municipal finance and employer retirement plans.

Peter Seyedi is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo, he worked at JPMorgan Chase Bank and Bank of the West. Outside of finance, he has a business interest in Prime Auto Works LLC, where he is involved in automotive rim repair and painting. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics informed by diversification principles and modern portfolio theory.

Francesko Kristovich is a financial advisor at J.P. Morgan Securities with 20 years of industry experience and a Series 66 designation. His career includes roles at JP Morgan Chase Bank, Chase Investment Services Corp., Wamu Investments, Inc., and Wells Fargo Investments, LLC. He is also the owner of a commercial rental property through F & A Petaluma LLC. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and leverages derivatives and commodities capabilities through its broader regulatory registrations.

Patrick Bennett is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cadaret, Grant & Co., Inc., Wells Fargo Advisors, Merrill, Banc of America Investment Services, and Citigroup Global Markets. Outside of his advisory work, he coaches lacrosse in Woodside, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, third-party asset management, and institutional platforms, supporting advisors with research-driven tools and a broad suite of financial products.

Monique Morrison is a financial advisor at Morgan Stanley in San Jose, CA, with 18 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at Royal Alliance Associates, Origin Financial, Golden Gate University, and Charles Schwab. Outside of advisory work, she is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm uses structured planning tools and market modeling techniques, while providing clients with advisory services that do not typically include individual security recommendations.