John Ogilvie is a Planning Consultant at Fidelity Investments. In his current role, he partners with clients and their Financial Consultants to support retirement planning through holistic guidance. He has experience in financial services, having held positions as a Relationship Manager and Financial Representative at Fidelity Investments, as well as internship roles in investment banking at Canaccord Genuity and private wealth management at CIBC. John holds a California Insurance License. Outside of his professional work, he enjoys attending concerts, football, music, outdoor adventures, skiing, and surfing.

Hank Peng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Fidelity Investments, GENRICH Family Office, and academic institutions such as the University of California, Irvine, and the College of San Mateo. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Daniel Schwartz is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 credentials. He has 13 years of industry experience and has been with Charles Schwab and Charles Schwab Bank since 2012 and 2014, respectively. 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure that supports centralized supervision, custody, and order routing.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Colleen Erickson is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2010. Based in Palo Alto, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Rhyan Politano is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing prior to joining Charles Schwab in 2018. 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 investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Lucille Denos is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds the Series 63 and Series 65 designations and has been with UBS since 2010. Outside of her advisory work, she has worked as a backup cashier in retail. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of investment products and capital markets services.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Justin Skelton is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Minnesota Life Insurance Co. and Securian Financial Services. He is involved in an outside position unrelated to investment advising based in New York. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Kristy Takacs is a Planning Consultant at Fidelity Investments, where she focuses on building relationships with clients and their families to maintain accurate and current financial plans. Since joining Fidelity in 2019, she has held roles including Financial Representative and Relationship Manager before assuming her current position in 2020. Kristy's professional experience encompasses financial planning and client relationship management within Fidelity Investments. She holds a California Insurance License, supporting her work in financial services. Outside of her professional role, Kristy enjoys activities such as camping, attending concerts, exploring culinary experiences, spending time at the lake, listening to music, and practicing Pilates.

Michael McGibben is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Stifel, Nicolaus & Company prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Brent Kuhne is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at firms including First Republic Investment Management, First Republic Securities, and UBS Financial Services. His background also includes roles with the City of Milpitas, Levi's Stadium, and San Francisco State University. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and investment models in its advisory approach.

Kingston Thai Ngo is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at First Republic Bank, Bank of America, and Ghirardeli Chocolate Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary advice through a select group of Wealth Advisors and incorporates an ESG eligibility framework in its investment recommendations.

Boris Melamud is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Plato Wang is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Bank of America and Fidelity Investments. Outside of his advisory role, he occasionally sells used books online through Amazon and assists his mother with managing her brokerage accounts. 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 with a range of model-based and discretionary investment strategies.

Mark Gillelen is a financial advisor at LPL Financial with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked with firms including First Allied Advisory Services and First Allied Securities. In addition to his advisory role, he serves as president of The Eva and John Ross Foundation, a nonprofit organization. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management.

Derrick Lee is a Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this position, he worked as an Investment Consultant at Fidelity Investments from 2025 to 2026 and as an Investment Solutions Representative I from 2023 to 2025. Derrick began his financial advisory career with Equitable Advisors in 2022. His professional approach centers on understanding clients' goals, values, and visions to develop personalized financial strategies. Derrick emphasizes clear and honest guidance with a client-first focus, assisting individuals and families in pursuing financial confidence and long-term success. Derrick holds a California Insurance License. Outside of his professional work, he has personal interests that include cars, cooking and baking, fitness, golf, snowboarding, and traveling.

Peter Morris is a financial advisor at Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 48 years of industry experience. Prior to joining Osaic in 2025, he worked for 47 years at Lincoln Financial Advisors Corporation. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports discretionary and non-discretionary account management.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.