Xuemei Qian is a financial advisor at Cetera with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Cetera since 2015. Her prior experience includes roles at Cathay Bank and CTBC Bank. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using both affiliated and third-party managers across various program structures and custodial relationships.

Stephen Koh is a financial advisor with Mass Mutual Investors Services in Hayward, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with MML Investors Services Inc. and Mass Mutual Life since 2007. Outside of his advisory work, he serves as a pastor, preaching and pastoring in Fremont, CA. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using collaborative, software-supported analyses to develop client recommendations.

Danny Pham is a financial advisor with Charles Schwab, holding a Series 66 designation and 27 years of industry experience. He has been with Charles Schwab since 2000 and has worked at Charles Schwab Bank since 2005. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and multi-asset model portfolios.

Eunice Scholten is a CFP® professional with over 26 years of industry experience, currently advising clients at Edward Jones since 2006. She holds Series 63 and Series 65 licenses. Outside of her advisory role, Eunice is involved as an owner and trustee of family investment trusts holding rental properties in California and Iowa. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a national network of more than 23,000 financial advisors and over 15,000 branch offices.

Narges Kadirzada is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. Her prior roles include positions at UBS Financial Services, J.P. Morgan Securities, Morgan Stanley, and Wells Fargo Advisors. Merrill, along 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.

Kin Chin is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America and Merrill since 2014. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Anastasia Schmidt is a financial advisor at Charles Schwab with 26 years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and its affiliated entities since 1999, with a brief period at Coast Engraving from 2019 to 2021. 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 offers a combination of non-discretionary advisory services with access to discretionary separately managed accounts, employing a multi-asset model portfolio approach supported by in-house research and alternative investment offerings.

Kelly James is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments, LLC from 2001 to 2011 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a co-trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs a large team of advisors and uses research from its investment institute along with third-party analytics to support diversified portfolio management within available custodian platforms.

Derek Wenzell is a Planning Consultant at Fidelity Investments, a position he has held since 2026. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2025 to 2026 and as a Financial Representative at the same firm in 2025. His professional focus involves partnering with clients to understand their financial goals and developing customized financial plans. Derek holds a California Insurance License. He emphasizes building strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work.

Max Everett is a CFP® and holds a Series 66 license with nine years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017 and was previously employed by Pebble Beach Company from 2014 to 2017. He is based in Menlo Park, CA. 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 related financial planning services. The firm offers a blend of non-discretionary advisory and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and due diligence from Schwab Center for Financial Research.

Jane Loo is a financial advisor at Morgan Stanley with a Series 66 designation and one year of experience at the firm. Her prior background includes roles at Genentech and teaching positions at several educational institutions, including Smith College and Saratoga High School. Morgan Stanley Wealth Management provides financial advisory and planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured financial planning supported by firm-approved tools and a range of investment programs.

Joshika Kumari is a Series 66 licensed financial advisor with two years of industry experience. She is currently with Morgan Stanley and has previously worked at Wells Fargo Clearing, Merrill Lynch, and California Bank and Trust. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Jeff Avancena is a Series 66 licensed financial advisor with Merrill, based in San Jose, CA. He has nine years of industry experience and has been with Merrill since 2015, concurrently working at Bank of America, N.A. since 2017. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tim Kao is the Vice President and Branch Leader at Fidelity Investments, a position he has held since 2018. In this role, he supports financial advisors and associates to deliver comprehensive financial services to clients. His professional approach emphasizes making complex financial decisions understandable through holistic guidance combined with Fidelity's resources to help clients manage their financial journeys effectively. Mr. Kao has extensive experience in the financial services industry, having held senior roles including Managing Director positions at Prudential Advisors from 2015 to 2018 and Park Avenue Securities from 2012 to 2015. Earlier in his career, he served as Agency Sales Director and National Consultant at MetLife Securities between 2006 and 2012, and as a Financial Planner at Tax and Financial Group from 2002 to 2006. He holds a California Insurance License. Outside of his professional responsibilities, Tim Kao enjoys biking, attending concerts, spending time with family, fitness, and playing football and golf.

Matthew Huerta is a financial advisor at UBS Financial Services with 26 years of experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2011. His prior experience includes roles at Morgan Stanley, Citigroup Global Markets, and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers research-driven investment strategies tailored to client goals.

Scott Taggart is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 credential and five years of industry experience. His career includes roles at Morgan Stanley Private Bank and service as a commissioned officer in the United States Marine Corps Reserves specializing in Intelligence and Aviation C2 Operations. Prior to his advisory work, he also had involvement with Peninsula Golf & Country Club. 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 that incorporates firm-approved tools and market-based modeling techniques, managing approximately $2.74 trillion in client assets.

Lauren Murcia is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and with 17 years of industry experience. She has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning services. The firm’s financial planning process employs structured discovery and approved tools to model outcomes, managing approximately $2.74 trillion in client assets.

George Papadoyannis is a CFP® with 35 years of industry experience, currently serving at Ameriprise since 2020 and previously at Ameriprise Financial Services, Inc. from 2005. He is involved in business ownership with Mega Branch Inc and holds a consulting role with Agean Blue Dream Villas in Greece. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Bryan Benelli is a CFP® professional at Stifel with three years of industry experience. His prior roles include positions at Red Tower Advisors and Jackson Hewitt Tax Services. He is based in San Jose, CA. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Christopher Maiden is a financial advisor at Fidelity with Series 63 and Series 65 certifications and two years of industry experience. He has worked at Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.