Ophelia Swen is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. She has previously worked at LPL Financial LLC, Cairn Wealth Advisors, KeyCon, HRC Fertility, and Corinthian Parking Services, with a total of several years of diverse experience. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Pickett is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Spencer Crume is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 11 years of industry experience. He previously worked at Merrill and Bank of America from 2016 to 2024. Outside of his advisory role, Crume serves as Treasurer on the Board of Directors for the Dominus Sports Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers the Ameriprise Premier Retirement Income service, which provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Tran is an Investment Consultant at Fidelity Investments, a position she has held since 2025. In this role, she connects with clients and their families to develop personalized strategies that align with their unique goals and priorities. Jennifer has over a decade of experience in the financial industry. Prior to her current role, she worked as a Regional Insurance Specialist at Citigroup from 2022 to 2024, and as a Registered Representative at New York Life Insurance Company from 2014 to 2022. She also held positions as a Senior Relationship Banker at Union Bank from 2013 to 2014 and as a Relationship Banker at JP Morgan Chase Bank from 2011 to 2013. She holds a California Insurance License. Outside of her professional work, Jennifer enjoys spending time at the beach, gardening, watching movies, swimming, traveling, and practicing yoga.

Mark Grisedale is a financial advisor at LPL Financial with 28 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 1997. Outside of his advisory role, Grisedale is also a practicing veterinarian and business owner. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management supported by model portfolios and research from LPL and third-party providers.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.

Riley Marshall is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 credential and three years of industry experience. Prior to joining Morgan Stanley, he spent time at AT&T and was involved with several entertainment and service ventures including Shopwindow, Quest Factor Escape Rooms, and All That Dance Studios. Outside of financial advising, he operates a sole proprietorship in entertainment and co-hosts a podcast focused on AI topics. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing financial planning supported by firm-approved tools and investment research while serving approximately $2.74 trillion in client assets.

Yuriy Lavor is a financial advisor at Edward Jones in San Jose, CA, holding ChFC® and Series 66 designations with six years of industry experience. His career includes roles at Edward Jones since 2019, as well as prior experience at Homestreet Bank, Solar Power Inc (Umining), and Autonation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 financial advisors and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Li Dong is a CFP® professional with eight years of experience in the financial services industry. He is currently with LPL Enterprise and has prior experience at The Prudential Insurance Company of America, Pruco Securities LLC, and Transamerica Financial Advisors, Inc. Outside of advising, he offers mortgage and real estate services as well as accounting and tax preparation through his own businesses. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, consulting, model wealth portfolio programs, third-party asset management, and access to a variety of brokerage and insurance products through an integrated platform.

Michael Cobb is a financial advisor at Merrill with nine years of industry experience. He has been with Merrill since 2015 and holds a Series 66 designation. Based in San Jose, CA, Cobb’s background is focused solely on his tenure at Merrill. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mehdi Moghni is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2017, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current position starting in 2024. As a CERTIFIED FINANCIAL PLANNER™, Mehdi focuses on wealth planning and staying informed about developments that affect his clients' financial futures. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, Mehdi enjoys boating, camping, attending concerts, hiking, and spending time with family.

Emmanuel Abrokwah is a Financial Consultant currently working at Fidelity Investment since 2025. He began his tenure at Fidelity Investment in 2024 as a Financial Consultant 1 before advancing to his current role. Prior to joining Fidelity Investment, Emmanuel served as a Senior Premier Banker (AVP) at Wells Fargo Bank from 2014 to 2024. Emmanuel partners with his clients to co-create personalized, long-term financial plans tailored to their specific financial goals. He holds a California Insurance License, which supports his expertise in financial consulting. Outside of his professional career, Emmanuel has interests in beach activities, cars, fitness, hiking, soccer, and table tennis.

Galina Sapozhnikov is a financial advisor at Charles Schwab with 18 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2009. Charles Schwab & Co., Inc. serves a large client base 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 and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Xianzheng Zhong is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Citigroup and Solomon Page Group. Outside of his advisory role, Zhong has been involved with a business focused on Chinese translation, travel, and consulting. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with additional financial product offerings.

Daniel Owens is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, Owens performs as a trumpet player in the Left 2 Write funk band based in San Francisco. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

Joseph Keenan is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Ravindranath Gondipalli is a financial advisor at Cambridge Investment Research Advisors with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he is involved in real estate as a licensed realtor and mortgage loan originator, and he is the founder of both Ravi Tax Preparation Services Inc. and Gynansoft Inc., a software consulting firm. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various platform arrangements and a combination of proprietary and third-party investment strategies.

Brian Lei is a financial advisor with Wells Fargo Clearing in Daly City, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC. Outside of his advisory work, he has also worked as a driver for a taxi service. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

Lesley Lemessurier is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation with nine years of industry experience. She has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.