Elvira Vargas Candelario is a financial advisor at Fidelity with Series 63 and Series 66 credentials and five years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Uber, and Ross Stores Inc. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including multi-manager and fund-of-funds structures.

Yunjia Jiang is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. Based in Menlo Park, CA, Jiang has been with Morgan Stanley since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Desairee Diaz Solis is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Charles Schwab Bank and Chase Bank, as well as earlier positions outside the financial sector. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated platform and centralized operations.

Richard Boden is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at TD Ameritrade from 2016 to 2021. He also serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Nathaniel Weir is a financial advisor at Charles Schwab in Los Altos, CA, holding a Series 66 designation with one year of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Nugget Markets Inc., Burger Patch, and Peet's Coffee, as well as extensive experience in full-time education. 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 affiliated discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and a centralized operational structure.

Maclan Yavuz is a Wealth Management Planning Consultant at Fidelity Investments, where he collaborates with clients, a Wealth Management Advisor, and a team of specialists to develop personalized financial plans tailored to clients' needs. He focuses on building meaningful, lasting relationships to support clients and their families. His professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2021 to 2023, then as a Relationship Manager from 2023 to 2026 before assuming his current position. Throughout his tenure, he has been engaged in comprehensive wealth management and client support. Outside of his professional work, Maclan enjoys cooking and baking, family activities, music, spending time with pets, reading, and practicing yoga.

Michael Kimsey is a CFP® and ChFC® with 47 years of experience in the financial industry. He has been with OSAIC since 2025, following a 27-year tenure at Lincoln Financial Advisors Corporation. Outside of his advisory role, Kimsey serves as co-trustee of his mother’s revocable trust and is licensed to offer various insurance products including accident and health, disability, and long-term care insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services with financial planning, retirement consulting, and access to third-party money managers, using firm-provided tools and third-party platforms to construct diversified portfolios tailored to client needs.

Ryan Purpur is a financial advisor with Charles Schwab & Co., Inc. in Menlo Park, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Area Wide and was involved with Stanford Summer Camps and the Stanford Campus Recreational Association during his full-time education. 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 and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Dalten Smith is a CFP® and Series 66-licensed financial advisor at Charles Schwab with three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021 and previously held positions in logistics and education. His past roles include work at GEODIS Logistics, Lakeridge Golf Course, and Full Time Education. Charles Schwab serves a large client base, 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 and discretionary investment solutions supported by multi-asset model portfolios and centralized operational structures.

Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.

Liya Lin is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 licenses and five years of industry experience. Her prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Co. She spent two years as a homemaker before resuming her career in financial services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics based on diversification principles and modern portfolio theory to evaluate investment options while offering a range of brokerage and advisory solutions.

Willard Wellings is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has a long career including prior roles at Avantax Advisory Services and 1ST Global Advisors. He is also a partner at Wellings & Co., a firm he has been associated with since 1990. 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 and retirement services, supporting over 10,000 advisors and managing more than $256 billion in assets.

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.

Mailyn Nelson is a financial advisor with Fidelity Investments holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Fidelity, she held various roles in different industries, including positions at Enterprise Mobility and other companies. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a process that combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

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.

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.

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.