Ricardo Paguaga is a financial advisor at Charles Schwab with eight years of industry experience. He holds Series 63 and Series 66 designations. His work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, Clemson University, and The Gordran Group. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services with a multi-asset model portfolio approach and centralized operational support.

Benjamin Sowards is a financial advisor at LPL Financial with one year of industry experience. He is also an attorney and has co-owned a legal marketing firm alongside two LLCs related to marketing and rental real estate with his wife since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with discretionary and non-discretionary management supported by in-house and third-party research.

Roger Evans is a financial advisor at Morgan Stanley with 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked with the Morgan Stanley Private Bank, National Association since 2015. He holds the Series 66 designation. 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, utilizing structured discovery processes and firm-approved tools to support client planning needs.

Ryan Cole is a financial advisor at Morgan Stanley with 11 years of industry experience. He previously worked at Fisher Investments for seven years and held various roles at Wells Fargo entities from 2014 to 2018. Cole holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client responsibility for implementation and updates.

Ho Yu Liu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2022, Mr. Liu worked at several financial institutions including Bank of America, Citibank, J.P. Morgan Securities, and Bank of The Orient. He also gained experience outside finance with roles in engineering and construction firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by structured discovery processes and proprietary modeling tools.

Fred Abajelo is a financial advisor at LPL Financial with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2019. Prior to that, he was with Cetera and Technology Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers various advisory programs, retirement plan consulting, and brokerage services, with access to research, model portfolios, and both discretionary and non-discretionary management options.

Deborah Mckellar is a financial advisor at Ameriprise with 42 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009 and holds Series 63 and Series 65 licenses. In addition to her advisory work, she has been involved in independent insurance brokering, including fixed annuity products with several providers. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning focused on income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Stuart James is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Rodney Acord is a financial advisor at OSAIC with 30 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation from 1995 to 2025. His credentials include the Series 63 and Series 65 licenses. Outside his advisory role, he is involved in fixed and indexed annuity sales through an insurance agency he owns. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms, including third-party money managers and unified managed accounts.

Monica Lomeli is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2019 and has been with Wells Fargo Bank, N.A. since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with services tailored to plan objectives and risk tolerances, and it acts as an ERISA fiduciary when providing investment advice.

Wendy Ehrlich is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. 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 select group of Wealth Advisors. The firm combines large institutional advisory capabilities with multiple market-facing registrations and operates on a non-discretionary basis, with clients retaining final decision authority.

Maureen Fong is a financial advisor at Merrill with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1985, also working with Bank of America since 2009. Outside of her advisory role, she is the treasurer for the Cinnabar Hills Ladies Golf Club, where she assists with bookkeeping and budgeting. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Samineh Shaeghi is a CFP® and Series 66 licensed financial advisor with 14 years of industry experience. She is currently with LPL Financial and has previously worked at Bancwest Investment Services, Inc. since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing various model portfolios, research sources, and technology-driven approaches.

John Cole is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Outside of his advisory work, he is the sole proprietor and owner of Calidus Vineyard, an agricultural business in Calistoga, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and scenario modeling.

Andreas Kuehle is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with Wells Fargo entities since 2011, including five years at Wells Fargo Advisors LLC and ten years at Wells Fargo Clearing. 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 combines extensive research and analytics with a broad product platform, offering both brokerage and advisory solutions through a large network of financial advisors.

Mark Gronert is a financial advisor at Thrivent Investment Management with 38 years of industry experience. He has been with Thrivent and its related entities since 2002 and holds a Series 66 designation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option, while maintaining separate planning and portfolio management services.

Ryan Kanetoku is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2014. 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 process includes structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jennifer Smith is a Financial Consultant currently working with Fidelity Investments since 2024. She has extensive experience in the financial services industry, having previously served as a Senior Wealth Management Associate at UBS Financial Services from 2020 to 2024, and as Vice President - Financial Advisor at Morgan Stanley from 1994 to 2020. Her professional approach involves understanding clients' goals, values, and lifetime aspirations to develop holistic financial plans. She emphasizes the importance of regular plan reviews to accommodate any changes in clients' circumstances. Jennifer holds a California Insurance License. Outside of her professional career, Jennifer enjoys cooking and baking, participating in family activities, exploring culinary interests, attending social events with friends, listening to music, and traveling.

Matthew Pencer is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and seven years of industry experience. Prior to his current role, he worked at The Mountain Winery for four years and operated Pencer Instrument Care for ten years. 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. Schwab offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Pamela Flournoy is a CFP®-designated financial advisor with LPL Financial in San Jose, CA, where she has worked since 2007. She has 22 years of industry experience. Outside of her advisory role, she is involved with Cammarano Insurance Services, where she sells non-variable insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, financial planning, retirement consulting, and brokerage services. The firm offers both discretionary and non-discretionary portfolio management featuring model portfolios and third-party research.