Purav Patel is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 licenses and has been associated with various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm’s approach includes discretionary portfolio management, fund advisory, and model portfolio delivery, supported by systematic methodologies and oversight controls.

Bradley Noval is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 63 designation and 30 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-efficient withdrawal strategies.

Robin Ross is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Ross holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools.

Edward Kofman is a financial advisor at OSAIC with 40 years of industry experience. He holds the CFP® designation and has worked at Royal Alliance Associates and Cal Cap Planning, among other firms. Kofman serves on several nonprofit boards in Alameda, including as president of the Alameda Community Fund and treasurer for the Temple Israel of Alameda Foundation. He is also a financial educator and a wedding officiant. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

Haiau Ho Nguyen is a financial advisor at Fidelity with 12 years of industry experience. He holds a Series 66 designation and has worked at JP Morgan Securities LLC as well as various Fidelity entities since 2016. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Theresa Ruiz Fong is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she is a part owner of Baden Coin Laundry, LLC, a business she has been involved with since 2006. 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 advice. 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 in its investment offerings.

Anthony Giuliano is a financial advisor with Osaic Wealth, Inc. based in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including prior roles at Securities America Advisors, Inc. and Foothill Securities, Inc. Giuliano also owns a tax preparation and planning business, which he integrates with his investment advisory work. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and managed accounts. The firm employs asset-allocation tools and risk-tolerance assessments to build diverse portfolios and supports both discretionary and non-discretionary account management.

David Amann is a CFP® and ChFC® with 22 years of industry experience. He has been with Edward Jones in Redwood City, CA since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Wang is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at General Motors Financial and Pi Charging. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution through a variety of investment strategies and manager selections.

Morgan Javonillo is a Planning Consultant at Fidelity, a role held since 2025. Prior to this position, Morgan worked as a Relationship Manager at Fidelity from 2023 to 2025 and as a Financial Representative at Fidelity from 2021 to 2023. Morgan began their financial services career as a Relationship Banker at Bank of America in 2021. Morgan holds a California Insurance License and focuses on building strong client relationships to develop financial plans tailored to individual values and needs. Their approach involves understanding both short-term and long-term goals to ensure that financial plans remain relevant and effective over time. Outside of their professional work, Morgan enjoys baseball, comedy, social events with friends, music, and snowboarding.

Ross Irmer is the Vice President and Financial Consultant at Fidelity Investments. He has held various roles within Fidelity, progressing from Financial Representative in 2018 to his current position since 2026. Ross has experience in financial consulting and relationship management, with prior roles including Senior Revenue Analyst at Effectus Group, Senior Revenue Accountant at Palo Alto Networks, and Auditor in public accounting at Ernst & Young LLP. He holds a Certified Financial Planner™ designation and an MBA with a concentration in Finance. Ross is licensed for insurance in California. He focuses on providing a responsive and efficient approach to financial planning, leveraging Fidelity's resources to assist clients with their financial goals.

Richard Huber is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Peter Bergquist is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market-based modeling techniques.

Xinqing Lai is a financial advisor with LPL Financial in Union City, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. Prior to joining LPL Financial and BMO Harris Bank in 2025, Lai worked at HSBC Securities and HSBC Bank USA for nine years. Outside of advisory work, Lai has involvement in real estate rental activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Anthony Schmidt is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 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 that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Minjoo Lee is a financial advisor at Cetera with 14 years of industry experience. She holds the PFS™ designation and securities licenses Series 63 and Series 65. Lee has previously worked at Avantax Insurance Services and Son & Associates, and she operates Minjoo Lee CPA, providing accounting, bookkeeping, tax preparation, payroll services, and insurance assistance. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

Brian Thorbrogger is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market models.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 advisory guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Marcus Leung is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual since 2007. Outside of his advisory role, he manages a residential property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements using firm-approved tools to support client goals.

Patrick Fovel is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. He previously worked at National Planning Corporation for 12 years before joining LPL Financial in 2017. Outside of his advisory role, he is a co-owner of BFM Wealth Management, a tax preparation and accounting business. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.