Cheryl Marquez is a CFP® professional affiliated with LPL Financial, bringing 37 years of experience in the financial services industry. Her career includes roles at Waddell & Reed, INC., various insurance carriers, and operating her own entities, including Marquez & Hsieh, LLC and Cheryl L Marquez, Inc. Outside of her advisory work, she was involved with Monterey Zoo for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, utilizing a broad range of investment strategies and operational tools.

Heather Wood is a financial advisor at Ameriprise in Santa Clara, CA, with 10 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides a retirement-income planning service tailored for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kathleen Vogt is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2007. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Joseph Basulto is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2022. In this role, he focuses on collaborating with clients to develop comprehensive financial plans that align with their goals and financial vision. He aims to provide clients with the information necessary to make confident decisions related to their overall financial wellness. Joseph has been with Fidelity Investments since 2007, progressing through various roles including Financial Representative, Private Client Relationship Manager, Investment Representative, Financial Consultant, and Workplace Financial Consultant. His extensive experience spans financial consulting and client relationship management within the company. He holds a California Insurance License.

Wahid Nurie is the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2026. He has over 20 years of experience in financial services, focusing on helping clients develop adaptable financial plans to navigate complex financial landscapes. Prior to his current role, Wahid worked as a Financial Consultant at Fidelity Investments from 2012 to 2026. He also gained experience as a Financial Advisor Associate at JP Morgan Chase from 2010 to 2012, and held various roles including Financial Consultant Associate and Investment Consultant at Wells Fargo between 2004 and 2010. Early in his career, he served as a Business Banking Officer at Citibank and as a Financial Associate at Tri Counties Bank. Wahid holds a California Insurance License. Outside of his professional work, he has interests in board games, comedy, family activities, parenthood, and pets.

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 licenses and has worked previously at Securities America Inc., Securities America Advisors, LPL Financial, and Kestra Financial Services. He is also trustee of the Dinesh & Seema Goyal Family Trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charitable organizations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates portfolio optimization and risk management tools.

Anthony Nguyen is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Wells Fargo Investments and NSI Engineering prior to joining J.P. Morgan in 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a forward-looking capital market approach and includes capabilities in derivatives and commodities.

Jesus Morales Moreno is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he was involved in entrepreneurial ventures including Junior's Farm LLC and Dolce Spazio Gelato. He also has a background in education, having completed studies at the University of California, Santa Cruz, De Anza Community College, and other institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail and institutional investors. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves notable roles such as advising registered investment companies and delivering portfolios for Fidelity Institutional Wealth Adviser.

Mathew Miller is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of the West, Bancwest Investment Services, Inc., and JPMorgan Chase Bank. 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 and analytics.

Carter Crum is a financial advisor at UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both an investment adviser and a broker-dealer.

Douglas Gilliland is a Series 66-credentialed financial advisor with Morgan Stanley in Cupertino, CA, bringing 22 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved in elder care and support for a minor child through activities connected with the County of Santa Clara. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning services.

Donna Cirelli is a financial advisor with Primerica Advisors, holding a PFS™ designation and a Series 63 license, and has 27 years of industry experience. Her background includes work with the U.S. Treasury/IRS, Farmers Financial Solutions, and a real estate sales role at Century 21 since 2018. She is also a partner at Muller & Associates, a CPA firm where she commits approximately 20 hours per month. 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 operates at scale with nearly 3,700 financial advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party asset managers.

Curtis Ko is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Investments and Wells Fargo Clearing since 2007. 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.

Rajesh Cheethirala is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, New York Life Insurance Company, and MassMutual Life Insurance Company. Outside of his advisory work, he is the president and owner of Syncrasy, a business operating a Baskin-Robbins franchise in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Christian Tice is a CFP® with LPL Financial, based in San Jose, CA, and has 47 years of industry experience. He has been affiliated with LPL Financial for 43 years and holds securities licenses including Series 63 and Series 65. Outside of his advisory work, he is involved in non-variable life, health, and disability insurance services and has experience as a real estate broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, third-party asset management, and institutional platforms, supporting investment strategies that include model portfolios, direct indexing, and alternative exposures.

Michelle Yeh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over two decades of experience in the financial services industry, having started her career in 2003 and transitioning from personal banking to wealth management. Her expertise includes college education planning, managing new wealth, retirement planning, portfolio management, and tax minimization. Michelle holds a Bachelor's Degree from the University of California system and earned her MBA from Santa Clara University. She has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Mandarin, English, and Chinese, Michelle leverages her comprehensive background to develop personalized financial strategies for her clients. Based in the Bay Area, Michelle participates in community volunteering in line with Merrill's tradition of community involvement. In her spare time, she enjoys cooking, gardening, rock climbing, running, spending time with her family, playing tennis, watching movies, and practicing yoga.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Keith France is a financial advisor with Cetera in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at BMO Harris Financial Advisors and M&I Financial Advisors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Gregory Newell is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked across several Schwab affiliates, including Charles Schwab Trust Bank and Charles Schwab Premier Bank. 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 discretionary separately managed accounts, offering multi-asset model portfolios supported by in-depth research and a centralized operational structure.