Jeffrey Chen is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley 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 wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques.

Eric Yen is a financial advisor at UBS Financial Services with seven years of industry experience. He has held his current role since 2018 and previously worked for CFO Rick from 2015 to 2018. He holds the Series 66 designation and is based in San Francisco, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Irene Cho is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She has held roles at Wells Fargo Advisors LLC, Morgan Stanley Private Bank, N.A., and Wells Fargo Clearing. 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 investment 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.

Robert Silverman is a CFP® professional with 42 years of industry experience. He is currently with Cetera and has previously worked at Paul Revere Companies. In addition to his advisory role, he is involved in insurance sales, including fixed life, health, and disability insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Ben Szeto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stuart Epstein is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2017 and Morgan Stanley Smith Barney since 2009, as well as experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Clark Cole is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has worked previously at Business Wire and Navis. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds.

Brendan Carlyle is a financial advisor at UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he worked at the County of Santa Clara, The Home Depot, and Target, and attended Santa Clara University. 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 tailored to clients’ goals and risk tolerances.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

Benjamin Yohanan Jr. is a financial advisor at OSAIC with over 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc. and Hatch Retirement Services. Yohanan is also the owner of Ben Yohanan Annuity & Insurance Agency, Inc. and serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Nickitas Panayotou is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He has recently entered the industry with approximately one year of experience, including prior roles at Charles Schwab and his own entity, Nickitas 7280. Outside of his advisory work, he holds a legal title as CEO and board member of Golden Anchor Auctions Incorporated, a non-operational automotive sales company with minimal personal involvement. 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 SMAs and employs a multi-asset model portfolio approach alongside centralized custody and order-routing services.

Chris Stephens is a financial advisor at Fisher Investments with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fisher Investments since 2001. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment policy committee and a combination of quantitative and qualitative research to construct diversified portfolios, providing services that include sub-advisory management and retirement plan solutions.

Courtney Fisher is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2019 and previously spent two years at the University of Oregon. 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 supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Hatch is a financial advisor with LPL Financial in San Carlos, CA, holding Series 63 and Series 65 licenses and with 32 years of industry experience. He has been with LPL Financial since 1995 and has also been self-employed since 1993. Outside of his advisory role, he services some existing fixed-term life insurance policies, occasionally receiving trail income from these renewals. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Angela Wong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at PRUCO Securities, LLC for six years before joining Charles Schwab Bank and Charles Schwab in 2020. 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. Schwab’s integrated model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Roger Guan is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy preparation, performance reporting, participant education, and plan benchmarking.

Tim Kecken is the Vice President Private Wealth Management Advisor at Fidelity Investments. In this role, he collaborates closely with clients to develop customized wealth strategies that focus on the growth, preservation, and transfer of their wealth. He leverages Fidelity's extensive resources, including a team of specialists, to align financial plans with the priorities and values of clients and their families. Tim has been with Fidelity Investments since 2006, holding various positions such as Wealth Management Advisor in Private Wealth Management since 2021, Vice President and Branch Leader from 2018 to 2021, Regional Planning Consultant from 2012 to 2018, Senior Portfolio Specialist from 2010 to 2012, Portfolio Specialist from 2009 to 2010, Relationship Manager in the Private Client Group from 2008 to 2009, Mutual Fund, Equity, and Options Trader from 2007 to 2008, and Financial Representative from 2006 to 2007. He holds a California Insurance License. Outside of his professional work, Tim enjoys attending concerts, cooking and baking, running, snowboarding, surfing, and traveling.

Raymond Hurt is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Securities America Advisors, Securities America, Inc., and Parrot, Inc. In addition to his advisory role, he is involved in insurance sales through Advantage Financial Group. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs a variety of investment tools and supports both discretionary and non-discretionary account management with access to third-party money managers and alternative investments.

Ellen Ching is a financial advisor at Raymond James Financial with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has served as CEO and active partner of West Portal Financial Group, LLC since 2014. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services utilizing risk profiling and analytical modeling, with specialized programs in municipal finance and SIMPLE IRA employer consulting.