James Simpson is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009, along with Morgan Stanley Private Bank starting in 2015. Morgan Stanley Wealth Management offers advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and emphasizes an advisory role in financial planning without providing individual security recommendations as part of standalone plans.

Xiao Lu Jiang is a financial advisor at Charles Schwab with eight years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at TD Ameritrade and Citi Bank. Jiang is based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining broad scale with integrated custody, brokerage, and advisory services.

Daniel Quinn is Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of financial professionals who partner with clients to develop comprehensive plans and investment strategies tailored to their financial goals. Daniel has been with Fidelity Investments since 2000, progressing through roles including Financial Representative II, Financial Planning Consultant, Assistant Branch Manager, and Vice President Branch Leader since 2012. Prior to joining Fidelity, he worked as a Financial Consultant at WM Financial Services from 1999 to 2000. He holds a California Insurance License.

Fei Chiang is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2012, following prior roles at Wells Fargo Clearing and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options supported by extensive operational and research tools.

Vivian Chu is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. In addition to her advisory role, she serves as CEO of Willner and Associates, providing employee benefits and administrative services for small businesses. OSAIC serves a diverse client base ranging from individuals to institutional investors through a large network of advisers. The firm offers integrated brokerage and advisory services with a focus on portfolio construction supported by proprietary tools, multiple investment platforms, and third-party solutions.

Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Samantha Balboni is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She spent three decades with Lincoln Financial Advisors Corporation before joining Osaic in 2025. Outside of advising, she volunteers as a Veteran’s Coordinator with the Elks Lodge, assisting formerly homeless veterans in furnishing their homes. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include a range of securities across discretionary and non-discretionary accounts.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Germaine Cordes is a financial advisor with OSAIC, holding the ChFC® designation and Series 66 license, and has 24 years of industry experience. She has worked at OSAIC since 2024 and previously spent eight years at Securities America Advisors, Inc. Outside of advisory work, she is a notary and provides business consultation services through Lifetime Capital Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing various investment platforms and tools to construct diversified portfolios across multiple asset classes.

Kenneth Haas is a financial advisor with Wells Fargo Clearing in Orinda, CA, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC, Wells Fargo Investments, LLC, and Deutsche Bank Securities Inc. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to offer both brokerage and advisory solutions across a broad asset base.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan in 2020, Zhang worked at Citibank for three years and at Qiaoli Hu CPA for one year. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation models and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 66 designation and has worked in various roles within Fidelity since 2000, including positions at Fidelity Personal and Workplace Advisors and FIDELITY Brokerage Services LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios and funds, leveraging systematic methodologies and oversight controls, and is noted for its use of advanced technologies and formal roles advising registered investment companies.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Michael Thomas is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has five years of industry experience, including prior roles at Carmax and FedEx. Outside of his advisory work, he is involved in real estate investing as an owner and partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG considerations.

Anne Nishiura Seto is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Kristopher Watts is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm utilizes structured planning tools and models to support client outcomes, managing approximately $2.74 trillion in assets.

Gail Coleman is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2017. Prior to that, she was employed with the San Ramon Valley Unified School District for two years. 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 combines research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Michael Tate is a CFP® with 39 years of industry experience, currently affiliated with Cetera. His prior roles include positions at OSAIC, Woodbury Financial Services, Bay Area Wealth Management Group LLC, and several other financial firms. He is an officer of Bay Area Wealth Management Group LLC, where he has been involved in financial planning and wealth management since 2019. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Patrick Phillips is a financial advisor with LPL Financial in San Leandro, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Wells Fargo Clearing. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment related venture based in Sacramento. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.