Francesko Kristovich is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Chase Bank since 2012. Outside of his advisory role, he owns a commercial rental property. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors.

Patrick Bennett is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Cadaret, Grant & Co., Inc., and Strategic Wealth Advisors Group, LLC. Outside of his advisory work, he coaches lacrosse in Woodside, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a broad range of financial planning, advisory programs, and retirement consulting, supported by both discretionary and non-discretionary management and extensive research resources.

Monique Morrison is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2023. Her prior roles include positions at Royal Alliance Associates, Origin Financial, Charles Schwab, and Scottrade. Outside of her advisory work, she is involved in property management as a sole proprietor. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Alissa Lee is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 1997. 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 options. The firm’s process 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.

Aaron Jang is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as Morgan Stanley Smith Barney since 2012. He is based in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Daniel Gong is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior work includes roles at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. He has been with Charles Schwab and related entities since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and access to alternative investments within an integrated operational structure.

Rene Francois Cervantes is a financial advisor at Cambridge Investment Research Advisors with 10 years of industry experience. He holds a Series 66 designation and has been with Cambridge since 2016. In addition to his advisory role, he serves as a director at Matterport, Inc., a high-tech firm, and works as a Certified Public Accountant providing accounting and bookkeeping services. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm provides both proprietary and third-party investment strategies across multiple platforms, with options for discretionary and non-discretionary management tailored to client objectives.

Hendra Iskandar is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 66 designation and has been with Raymond James & Associates since 2009. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Anna Tu 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. Tu has been affiliated with Wells Fargo Bank, N.A. since 1993. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Bradley Ledwith is a financial advisor with LPL Financial in Morgan Hill, CA, holding Series 63 and 65 credentials and 27 years of industry experience. He has been with LPL Financial since 2006. Outside of advising, he is a self-published author of a book titled *If You Are Suddenly Single? This Book Can Help*, and he serves as an executive producer for a production project. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and proprietary research to support both discretionary and non-discretionary management.

Tyler Montano is a financial advisor with Ameriprise in Santa Clara, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at NYLife Securities LLC and New York Life Insurance Co from 2017 to 2022. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations through a centralized consulting team.

Sok Loh is a financial advisor with Morgan Stanley in San Jose, California, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Brian Wong is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008 and 2010, respectively. Charles Schwab & Co., Inc. primarily serves 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 services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational systems.

Carol Underwood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 16 years of industry experience. She previously worked at Securities America Advisors and METLIFE Securities Inc. Outside her advisory role, she is involved in insurance sales, providing clients with insurance and fixed indexed annuity products. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management.

Ashley Mccrary is a Series 66 licensed financial advisor with Morgan Stanley in San Jose, CA, where she has worked since 2013. She has 10 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Yi Charn Chen is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2019, Chen worked at Apple and Whole Foods Market. J.P. Morgan Securities 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.

Anil Gulati is a financial advisor at Osaic Wealth, Inc. with 43 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Osaic in 2024, he spent 15 years at Woodbury Financial Services. Gulati serves as a director for the Indian Chamber of Commerce, a nonprofit organization. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to multiple advisory platforms and third-party money managers. The firm employs a variety of asset-allocation tools and management approaches to create diversified portfolios tailored to client needs.

Yunhe Chao is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. Prior to joining J.P. Morgan Securities in 2019, Yunhe held roles in diverse sectors, including education, retail, and food services, and is involved with Coodo Pet Bakery & Boutique LLC. J.P. Morgan Securities 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 investment recommendations.

Hedeliza Cunanan is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 1989. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mario Fitoria is a financial advisor with J.P. Morgan Securities in San Jose, CA. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2025. Prior to that, he worked at JPMorgan Chase Bank, N.A. and Bank of America. Outside of finance, he is also involved in the entertainment industry as a weekend club DJ and music producer. J.P. Morgan Securities provides institutional consulting services to clients such as corporations and foundations, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities.