Mary Lai is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in Cupertino, CA. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. Outside of her advisory role, she acts as trustee for a family trust overseeing several rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client advisory with access to affiliated discretionary separately managed accounts and conducts due diligence on alternative investments through its Schwab Center for Financial Research.

Maritza Rogers is a CFP® professional with 22 years of experience in the financial services industry. She is currently with OSAIC and previously spent 21 years at Lincoln Financial Advisors. In addition to her advisory role, she is registered as an insurance agent offering products such as accident and health insurance, fixed and indexed annuities, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, corporate and charitable organizations, providing integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct investment portfolios across various asset classes, and supports both discretionary and non-discretionary account management.

Robert Rule Jr. is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved in selling individual health insurance plans. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios and research.

Ben Kim is a Series 66-licensed financial advisor at J.P. Morgan Securities with four years of industry experience. He has been with J.P. Morgan Securities since 2021 and concurrently works at JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities 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 brokerage and investment management capabilities.

Andrew Castro is a CFP® and holds a Series 66 license, with 12 years of industry experience. He has been with Edward Jones since 2014, working in their Menlo Park, CA office. Outside of financial advising, he coaches group classes at CrossFit Palo Alto in Mountain View. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Gregory Meyerott is a financial advisor at Wells Fargo Clearing with Series 66 and Series 63 licenses and three years of industry experience. His prior roles include positions at JPMC Bank NA, J.P. Morgan Securities, and Redwood Park Advisors. 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 utilizes research and analytics to offer diversified investment solutions and operates both brokerage and advisory platforms.

Mark Curtis is a financial advisor at Morgan Stanley with Series 63 and 65 licenses and 44 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Curtis serves as a board member and director of The Sobrato Foundation in Mountain View, CA. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in assets. The firm employs structured planning tools and a broad range of investment services, including both retail and institutional offerings.

Patrick Burke is a financial advisor at Ameriprise in Los Altos, CA, holding a Series 66 designation with one year of industry experience. His background includes roles at Ameriprise since 2024 and prior experience in academic settings at Santa Clara University. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Alexander Chychykaila is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2010. He has extensive experience collaborating with high-net-worth clients to develop comprehensive wealth strategies that align with their individual goals and evolving needs. Prior to his current role, Alexander was a Client Service Associate at UBS Financial Services from 2007 to 2009. Alexander graduated from the University of San Francisco in 2007 and holds a California Insurance License. Originally from Belarus, he brings a global perspective to his financial consulting practice. Outside of his professional work, Alexander enjoys outdoor adventures, photography, skiing, table tennis, tennis, and yoga.

Shu Ming Chu is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Charles Schwab since 1997. Outside of his advisory role, he owns a residential property in Santa Clara, California. 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 non-discretionary advisory relationships with access to discretionary separately managed accounts, offering investment guidance via multi-asset model portfolios and due diligence on alternative investments.

Xuemei Qian is a financial advisor at Cetera with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Cetera since 2015. Her prior experience includes roles at Cathay Bank and CTBC Bank. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using both affiliated and third-party managers across various program structures and custodial relationships.

Danny Pham is a financial advisor with Charles Schwab, holding a Series 66 designation and 27 years of industry experience. He has been with Charles Schwab since 2000 and has worked at Charles Schwab Bank since 2005. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and multi-asset model portfolios.

Eunice Scholten is a CFP® professional with over 26 years of industry experience, currently advising clients at Edward Jones since 2006. She holds Series 63 and Series 65 licenses. Outside of her advisory role, Eunice is involved as an owner and trustee of family investment trusts holding rental properties in California and Iowa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a national network of more than 23,000 financial advisors and over 15,000 branch offices.

Narges Kadirzada is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Advisors. 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. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kin Chin is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America and Merrill since 2014. 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 using model-based and discretionary investment strategies.

Anastasia Schmidt is a financial advisor at Charles Schwab with 26 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and its affiliated entities since 1999, with a brief period at Coast Engraving from 2019 to 2021. 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 services with access to discretionary separately managed accounts, employing a multi-asset model portfolio approach supported by in-house research and alternative investment offerings.

Kelly James is a financial advisor with Wells Fargo Clearing in Redwood City, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as co-trustee for his step-mother and is involved in managing certain investment-related activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a wide range of financial products, including insurance-related vehicles and bank deposit sweep options.

Derek Wenzell is a Planning Consultant at Fidelity Investments, a position he has held since 2026. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm in 2025. His professional focus involves partnering with clients to understand their financial goals and developing customized financial plans. Derek holds a California Insurance License. He emphasizes building strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work.

Max Everett is a CFP® and holds a Series 66 license with nine years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017 and was previously employed by Pebble Beach Company from 2014 to 2017. He is based in Menlo Park, CA. 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 related financial planning services. The firm offers a blend of non-discretionary advisory and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence from Schwab Center for Financial Research.

Jane Loo is a financial advisor at Morgan Stanley with a Series 66 designation and one year of experience at the firm. Her prior background includes roles at Genentech and teaching positions at several educational institutions, including Smith College and Saratoga High School. Morgan Stanley Wealth Management provides financial advisory and planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning supported by firm-approved tools and a range of investment programs.