Alberto Delgado is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2020 and Bank of America N.A. since 2022. Outside of his advisory roles, he has held positions in athletics and recreation at the University of California Santa Cruz. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Hansen is a Series 66-credentialed financial advisor with Equitable Advisors in Campbell, CA. He has one year of industry experience. Prior to joining Equitable Advisors, he worked at Flagship Services, Inc. and Dio Deka. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Andre Barde Jr. is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held roles at C2 Education and various other employers. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, as well as registered investment companies, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Gary Pereira is a financial advisor at OSAIC with Series 63 and Series 65 credentials and 41 years of industry experience. He previously worked at Securities America Advisors, Inc. and Banc of America Investment Services, Inc. Outside of financial advising, he is involved in residential real estate sales, insurance sales, youth baseball umpiring, and personal training. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting various managed account strategies and third-party manager selections.

Alyssa Chi is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 license with one year of industry experience. Prior to joining Morgan Stanley, she worked in educational roles at San Jose State University, Yonsei University, De Anza College, and Evergreen Valley High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market simulations.

Marika Somorjai is a financial advisor with Cambridge Investment Research Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has worked at Cambridge Investment Research Advisors since 2010 and previously at Woodbury Financial Services and FSC Securities Corporation. Outside of financial advising, she owns a retail skincare business, Marika Skin Care. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through a broad network of financial professionals. The firm manages a multi-billion dollar asset base across multiple platforms and provides both discretionary and non-discretionary management options.

Steven Do is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at E*TRADE in various capacities from 2013 to 2022. Outside of his advisory work, he is a passive investor in a poke restaurant in Santa Cruz, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and extensive asset management capabilities.

Haiqing Chen is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Merrill, Chen held roles at Bank of America, Pacific Advisors, Guardian Life, MassMutual Life Insurance Company, Eagle Strategies, and New York Life, among others. Chen serves as Treasurer and Board Member of the US Chamber of Commerce Silicon Valley, where they assist with bookkeeping, event organization, and financial reporting to support the Chinese American business community. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hector Garza is a CFP® professional with 17 years of experience in the financial industry. He is currently with Wells Fargo Clearing and has previously worked at Mariner Independent Advisor Network, PFG Advisors, LPL Financial, and Stanford Federal Credit Union. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, providing tailored solutions that include a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Tyler Siegert is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has been with Primerica since 2005 and has held roles at related firms including Bartlett Group Insurance & Financial Services. Siegert is also president of ADC Group, a business based in San Jose. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven investment strategies managed by third-party asset managers and supports execution and custody through BNY Mellon Advisors and Pershing.

Tristan Kass is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, also serving at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and Corporate Financial Planning agreements.

Ivor Thomas is a financial advisor with Edward Jones in Scotts Valley, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large nationwide network of financial advisors and branch offices.

David Lytle is a Series 66-licensed financial advisor with 15 years of industry experience. He has worked at LPL Financial since 2021 and previously spent ten years with Waddell & Reed, Inc and various insurance carriers. Outside of his advisory role, he is also involved as a non-variable insurance agent specializing in life and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice delivered primarily through its network of investment adviser representatives.

David Chen is a Financial Consultant at Fidelity Investments, where he focuses on understanding his clients' unique situations to develop tailored financial plans aimed at meeting their family goals. He is committed to helping clients implement strategies that address their individual needs. David's professional experience includes roles as a Financial Consultant at Fidelity Investments since 2022, a Financial Consultant at E*Trade Financial from 2020 to 2022, a Relationship Manager at Fidelity Investments from 2019 to 2020, a Financial Representative at Fidelity Investments from 2018 to 2019, and a New Client Onboarding Specialist at LPL Financial from 2017 to 2018. He holds a California Insurance License. Outside of his professional work, David enjoys camping, cars, motorcycles, outdoor adventures, snowboarding, and traveling.

Meng Zhang is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and HSBC Bank USA. Outside of finance, he has experience in the fashion industry and involvement with travel-related ventures. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative screening and qualitative research, incorporating ESG criteria and utilizing affiliates for portfolio implementation.

Megan Forestieri is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. Her prior roles include positions at RBC Capital Markets and several capacities within Fidelity beginning in 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it is notable for its use of AI and systematic methodologies in investment processes.

Martin Hsu is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on offering a comprehensive approach to managing wealth that begins with understanding a client and their family's financial situation and priorities. He helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. Martin brings extensive expertise in financial management, risk management, retirement planning, estate planning, and investment strategy. He utilizes a range of financial instruments including private portfolio management, mutual funds, individual stocks, bonds, annuities, and alternative investments. His client focus areas include education planning, legacy planning, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. He collaborates with clients' legal and tax advisors to develop comprehensive estate plans. He holds a Bachelor's Degree in Legal Studies and Economics from the University of California at Santa Cruz. Martin has earned several professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Asian Leadership Network and participates in community activities such as the CSPA @Venture Group. Martin lives in San Jose with his wife Anita and their two sons, Calin and Tyler.

Rana Toma is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Charles Schwab and its affiliated bank since 2019, following prior roles at Wells Fargo Clearing Services and Wells Fargo Bank. Charles Schwab & Co., Inc. 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, utilizing multi-asset model portfolios, strategic asset allocation, and a formal alternative-investment process.

Johnpaul Lonardo is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. His prior work includes roles at Mariner Independent Advisor Network, PFG Advisors, Chase Investment Services, and Wamu Investments. He also provides advisory services through Mariner Independent Advisor Network LLC, an independent registered investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and portfolio management solutions, combining extensive service platforms with technology tools for operational and research support.

Ying Fang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and is also associated with Wm Financial Services since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes systematic due diligence and combines quantitative and qualitative research to deliver written asset allocation advice and customized performance reporting, with clients retaining final decision-making authority.