Laurie Heinly is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 credentials and with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of advising, she is an investor in a technology company, Nexqloud Technologies. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Jason Lee is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley from 2015 to 2024. His current role at Wells Fargo Clearing began in 2024. 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 modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Delbar Jahanian is a financial advisor with LPL Financial in Campbell, CA, holding a Series 66 designation and over 20 years of industry experience. Prior to joining LPL Financial in 2021, Jahanian was with Waddell & Reed Inc. for 16 years and has been involved with various business activities including nonprofit work with Persian Zoroastrian organizations and operating a financial coaching service. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and technology-driven investment strategies.

Jeremy Mcchesney is a CFP® with 16 years of experience in the financial industry. He is currently affiliated with J.P. Morgan Securities and J.P. Morgan Chase Bank, N.A., having worked previously with First Republic Investment Management and Wells Fargo Advisors. J.P. Morgan Securities LLC 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 operations with additional market-facing registrations and functions.

Julius Scott is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and was previously with Goldman Sachs from 2016 to 2018. He holds Series 65 and Series 66 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm integrates quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework in its investment recommendations.

David Vanderzwaag is a financial advisor with LPL Financial in San Jose, CA, holding a Series 63 designation and 37 years of industry experience. He previously worked for National Planning Corporation for 10 years before joining LPL Financial in 2017. Vanderzwaag is also the owner of Vander Zwaag Financial, Inc., an entity associated with his advisory business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research, third-party subadvisors, and technology-driven solutions.

Bradley Nering is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over a decade of experience in banking and wealth management, having started his career at Wells Fargo in 2012 as a licensed banker. He was promoted to Client Associate in 2013 and advanced to Financial Advisor in 2018. He focuses on providing personalized financial strategies that help clients achieve their objectives while maintaining high professional standards. Brad's expertise includes family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, special needs planning, sports and entertainment, tax minimization, and retirement income. His passion for markets began in Wyatt, Indiana, trading corn and soybean futures with his father, which instilled principles of risk management and disciplined investment strategy. He holds a Bachelor of Arts degree from Pepperdine University and studied abroad in Spain and Argentina, which broadened his global financial perspective. In addition to his professional pursuits, Brad is a Personal Investment Advisor (PIA) and is involved with the Surfrider community organization. He resides in San Jose, California, serving clients across the Bay Area and Los Angeles.

Rucong Zhang is a financial advisor at Cetera with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Wells Fargo Clearing and Citibank. Based in San Jose, CA, he has been with Cetera and related entities since 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Suki Lee is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 33 years of industry experience. She has been with Charles Schwab since 1992 and has worked at Charles Schwab Bank since 2005. Outside of advising, she manages several rental properties in San Francisco. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory program. The firm combines non-discretionary and discretionary investment approaches with centralized operational and supervisory structures.

Julius Agbonbhase is a Series 66-credentialed financial advisor at Morgan Stanley with 17 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018 and previously held roles at E*Trade Securities LLC and E*Trade Capital Management, LLC from 2013 to 2018. Outside of his advisory work, he serves as Vice President 2 for ACCIOBA North America, a community organization focused on civic and fundraising activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and scenario modeling.

Kimberly Bradford is a Financial Consultant currently working at Fidelity Investments. She collaborates with individuals and families to develop strategies for retirement planning, tax-efficient investing, and navigating major life transitions. Kimberly has experience in various financial roles, including Financial Solutions Advisor at Merrill from 2022 to 2024, Senior Premier Banker at Wells Fargo from 2021 to 2022, and Relationship Manager at Bank of America from 2014 to 2018 and again from 2019 to 2021. She holds a California Insurance License. Outside of her professional work, Kimberly has interests in art, fitness, food, running, and traveling.

Wenjun Yang is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved with IntoWealth Insurance Services, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

Jenny Ju is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 license and 17 years of industry experience. She has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. Outside of her advisory role, she owns a 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 searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Brian Franklin is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Franklin serves as a basketball referee and is a board member of the Coalition for the Unhoused of Silicon Valley. Morgan Stanley Wealth Management offers advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and scenarios to model outcomes, serving clients in both direct and corporate financial planning arrangements.

Robert Choy is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Robert W. Baird & Co. since 2025. Prior to joining Baird, he worked at Financial Engines Advisors L.L.C. for seven years and held roles at Edelman Financial Services, LLC and EF Legacy Securities, LLC. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals—including high net worth clients—corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing manager-traded and model-traded strategies, tax management, direct indexing, and ongoing manager monitoring supported by internal research and tools, including artificial intelligence.

Rose Odland is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2017, following nine years at Unionbanc Investment Services. Outside of her advisory role, she serves as a trustee and executor for family and close friends. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Chan is a Financial Consultant currently working at Fidelity Investments since 2024. He has experience in financial solutions advisory, having served as a Financial Solutions Advisor at Merrill from 2021 to 2024. Prior to that, he worked as an ADP Relationship Manager at Bank of America from 2019 to 2021. Daniel holds a California Insurance License. He is committed to assisting clients in pursuing their financial goals through thorough financial planning.

Greg Edgar is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Luzaida Pietri is a financial advisor with Ameriprise in San Jose, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 19 years of industry experience, including over 15 years with Ameriprise and its affiliate. Pietri also serves as a fiduciary and executor in other business activities. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Christina Biagi is a financial advisor at Edward Jones in San Jose, CA, holding a Series 66 designation with 15 years of industry experience. She has been with Edward Jones since 2010. Outside of her advisory role, she is involved in managing rental property. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated services, operating under a fiduciary standard and supported by a nationwide network of over 23,700 advisors.