John Slattery is a Planning Consultant at Fidelity Investments, where he collaborates closely with families and individuals to identify their unique financial needs and support informed decision-making. He focuses on maintaining adaptable financial plans that evolve in line with his clients' changing circumstances. John has been with Fidelity Investments since 2023, progressing from Financial Representative to Relationship Manager before becoming a Planning Consultant. He holds a California Insurance License, which supports his work in financial planning. Outside of his professional role, John has interests in fitness, football, golf, movies, and running.

Paul Yang is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank. Yang is based in Milpitas, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Dinesh Goyal is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors, LPL Financial, and Kestra Financial Services. Goyal is also a trustee of the Dinesh & Seema Goyal Family Trust. OSAIC serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and supports a variety of account management options, including discretionary and non-discretionary management.

Vu Ho is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America and Merrill. Outside of his advisory work, he owns and manages a rental property in San Jose, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by firm-approved tools.

Jennifer Xaythavone is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analytical models as part of its financial planning process.

Scott Yee is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Wells Fargo Clearing and Wells Fargo Bank, NA. His prior experience includes roles at JPMorgan Chase Bank, Morgan Stanley, Citi Personal Wealth Management, and several insurance and health-related companies. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Yong En Xiao is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, J.P. Morgan Securities, and J.P. Morgan Chase Bank. Outside of his advisory work, he is a rental property owner in Elk Grove, California. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.

Amar Singh is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1995 and works with individuals, families, and business owners to understand their financial situations, time horizons, and liquidity needs. He assists clients in articulating both short- and long-term goals and recommends financial strategies aligned with their objectives. Amar employs a holistic approach that integrates wealth and liability management, combining personalized service with investment insights from Merrill and banking access through Bank of America. Before joining Merrill Lynch, Amar served as a Vice President at BOK Financial. He holds a Bachelor’s degree from Jai Hind College and an MBA from the University of Colorado at Denver. He is also a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, executive compensation, family wealth management, retirement planning, small business strategies, and socially responsible investing. Outside of his professional work, Amar is involved in community service through organizations such as Second Harvest Food Bank. He enjoys spending time with his family and engaging in outdoor activities, including golf, swimming, biking, and various sports. Amar communicates fluently in Hindi, Punjabi, and English.

Veronica Wang is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and has prior experience in the metal fabrication and restaurant industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations. The firm provides a range of services including fee-based financial planning and portfolio management, operating with both wealth management and institutional trading capabilities.

Mary Warmbier is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank NA and AllianceBernstein among other firms. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm delivers these advisory services alongside brokerage, distribution, and investment management capabilities.

Aidin Soltani Hendesi is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing discretionary investment options that include insurance-related vehicles and bank deposit sweep programs.

Robert Manning is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2005. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Julian Lai is a financial advisor at Morgan Stanley with eight years of industry experience. He has been with Morgan Stanley since 2015 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Crystal Gomez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Gomez has also been associated with Wells Fargo Bank, N.A. since 2009. 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 incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Phaby Utomo is a CFP® and CFA® credentialed advisor at J.P. Morgan Securities with three years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Bordeaux Wealth Advisors and UBS Wealth Management. He is based in Palo Alto, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sherwin Coleman is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Voya Financial Advisors and as the principal of Coleman Financial Services since 1993. He also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets.

Jennifer Loyer is a financial advisor at Ameriprise with 17 years of industry experience. She has held roles at Ameriprise Financial Services, Inc. since 2000 and continues to work at Ameriprise as of 2020. She holds Series 66 and Series 65 licenses. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service that provides detailed planning and ongoing advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Diem Tran is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Morgan Stanley since 2013 and currently works at Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning services use structured discovery conversations and approved planning tools, managing approximately $2.74 trillion in client assets.

Roger Toguchi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a director of a family-owned investment-related corporation and co-trustee of his parents' trust. Wells Fargo Clearing provides retirement plan consulting services primarily to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Eric Tallon is an Investment Consultant at Fidelity Investments, bringing several years of experience in financial advisory roles. He began his career as a Financial Advisor at Merrill Lynch from 2013 to 2015, followed by a position as a Financial Consultant at Scott Trade in 2016. He then served as an Investment Solutions Representative at Fidelity Investments from 2022 to 2025 before assuming his current role. Eric holds a California Insurance License, supporting his ability to provide comprehensive financial advice. He partners with clients to build long-term financial advisory relationships, aiming to deliver tailored and objective advice that empowers clients to pursue their personal passions and goals. Outside of his professional work, Eric enjoys gardening, hiking, parenthood, reading, and playing tennis.