Terri Lyders is a financial advisor at Fidelity with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with various Fidelity entities since 2016. Fidelity’s Strategic Advisers LLC, where she is based, offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithm-driven portfolio construction to manage diversified model portfolios.

Leonidas (Leo) Maheras is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at LPL Financial since 2009. He operates in San Mateo, CA, and has prior experience running Maheras Wealth Management, which focuses on fixed annuities, life insurance, term insurance, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, 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, providing both discretionary and non-discretionary management supported by research and model portfolios.

William Wolfe IV is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked at Ameriprise, Incapital LLC, and Oppenheimer & Co. Inc. Wolfe operates under Menlo Asset Management as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Ryan Lowenstein is a financial advisor at OSAIC based in San Mateo, CA, with five years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for seven years and DoorDash for five years. In addition to his advisory role, he performs as a DJ at bars and events in the San Francisco area. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a range of investment products and manages accounts on both discretionary and non-discretionary bases.

Angela Marcheschi is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and having 22 years of industry experience. She has been with Morgan Stanley since 2013. In addition to her advisory role, she operates as a life coach through her sole proprietorship, Wayfinder Life Coach. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through a broad range of investment and financial strategies.

Musetta Li is a CFP®-certified financial advisor with 26 years of industry experience, currently with J.P. Morgan Securities LLC since 2017. She previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where she spent a combined 23 years. Outside of her advisory role, she manages a rental property in San Francisco. 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 combines large institutional advisory operations with affiliated brokerage and investment management capabilities and delivers its program on a non-discretionary basis.

Margaret Bussmann is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. She has been with Morgan Stanley since 2015, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs firm‑approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Erik Galsgaard is a financial advisor with Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He began his advisory career in 2025 after working at Walgreens from 2022 to 2025. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and maintains a distinctive operational footprint with centralized supervision, custody, and order-routing.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

Madeline Beaton is a financial advisor at Morgan Stanley with one year of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Natixis Advisors, LLC, Natixis Distribution, LLC, and Impax Asset Management. Outside of finance, she has experience operating Sandpiper Productions LLC and has been involved with the Edgartown Yacht Club and the Field Club and Boathouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulation models as part of its advisory services.

Brian Brogan is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and 27 years of industry experience. He has worked at Citigroup Global Markets since 1999 and with Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association starting in 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and processes to support financial decision-making.

Kalvin Sid is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at LPL Financial since 2025. Prior to this, he spent 17 years with Next Financial Group Inc. He operates Sid Financial Services, a business related to his LPL advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from internal and external sources.

Caroline Maglio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and possessing 32 years of industry experience. Her work history includes roles at Charles Schwab Bank, TD Ameritrade, and Fidelity Brokerage Services. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a comprehensive operational structure including custody, brokerage, and cash-sweep services.

Carlos Betancourt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 credential and 16 years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and Chase Bank for eight years, and at Bank of America and Merrill for five years. Outside of his advisory role, he is involved in real estate ventures, including co-ownership through Pacaso Inc. and managing a family trust that engages in short-term rental properties. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and modeling tools, and offers a broad range of investment and financial solutions.

Ahmed Metwaly is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience at Goldman Sachs. Metwaly has also been involved with the Student Association at SUNY Plattsburgh. Charles Schwab 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 offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and a formal alternative-investment onboarding process within an integrated operational structure.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Christian Petersen is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Morningstar, Inc. and KKR, as well as positions within Charles Schwab Bank and Charles Schwab & Co., Inc. 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and integrated custody and brokerage services.

Robert Gold is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and has previously worked at Woodbury Financial Services, CETERA Advisor Networks, and Summit Financial Group. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to create portfolios that may include a variety of investment types, supporting both discretionary and non-discretionary account management.

Kathleen Augusta is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2017, following an eight-year tenure at Morgan Stanley Smith Barney. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joshua Fong is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018. Outside of his advisory role, he operates as an eBay seller specializing in sports memorabilia and collectibles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.