Jacinda Rabine is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to her current role, she held various positions including work at Bistro 234 and Milc Group, as well as experience with California Polytechnic State University. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process.

Emily Tran is a Series 66-licensed financial advisor with Merrill in San Mateo, CA, with eight years of industry experience. She has been with Merrill since 2017 and also works at Bank of America, N.A. since 2021. Prior to her advisory career, she was affiliated with New York University from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephanie Hepp is a Series 66 licensed financial advisor with Merrill, where she has worked since 2016. She has 18 years of experience in the industry and is based in Pleasanton, CA. 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 offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

Agustin Arroyo is a financial advisor at Ameriprise with seven years of industry experience and holds a Series 66 designation. His prior experience includes roles at Charles Schwab & Co., Cetera Advisor Networks, Parsons Wealth Management, and LPL Financial. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides clients with tailored retirement-income planning through written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jimin Chen is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Chen holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo and HSBC. Outside of finance, Chen is a silent partner in a hospitality business, Jimin and William Corporation, which operates Vinum Bar. 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 institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

Timothy Argyres is a CFP® professional with 25 years of experience in the financial services industry. He is currently with J.P. Morgan Securities and has previously worked at First Republic Investment Management and Bank of America, among other firms. Outside of his advisory role, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. 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.

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.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas O'Neill is a financial advisor at OSAIC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 2009 to 2025. Outside of advisory services, he is also an insurance agent offering accident/health insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes for discretionary or non-discretionary management.

Michelle Massey is a Wealth Management Advisor at Merrill Lynch Wealth Management, with over 20 years of experience in the industry. She specializes in a coordinated wealth management approach that aims to simplify wealth accumulation, provide protection, and plan for future generations. Her client focus areas include college education planning, corporate executive services, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, and philanthropic planning. Michelle holds multiple professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's and Master's degrees from the University of Phoenix. Outside of her professional responsibilities, Michelle is involved in her community through the North Pleasanton Rotary. In her spare time, she enjoys camping, hiking, gardening, and volunteering for children and veterans.

Sean Anderson is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked in security services and law enforcement for several years, including a position with the California Highway Patrol. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and a comprehensive discovery process to deliver tailored financial plans.

William King III is a Certified Financial Planner (CFP®) with 25 years of industry experience. He has worked with Wells Fargo Advisors, LLC since 2016. 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 both brokerage and advisory solutions.