Sandra Kopanos is a financial advisor with UBS Financial Services in San Jose, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Wells Fargo Clearing for six years before joining UBS in 2022. Outside of her advisory role, she provides consulting on alternative energy through Ambit Energy and serves as a notary public. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Victor Lee is a CFP® professional with 19 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016, following a ten-year tenure at MetLife Securities INC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning to deliver written recommendations tailored to clients' goals.

Diana Llegue is a financial advisor at J.P. Morgan Securities in Mountain View, CA, holding a Series 66 designation. She has been working in the financial industry since 2024, with prior experience at Wells Fargo and B & L Lee Inc. Before entering finance, she worked in the development and hospitality sectors. 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 written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research with a forward-looking approach to build model asset allocations and offers broader derivatives and commodities capabilities.

Steven Ng is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Before joining Merrill and Bank of America in 2025, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2023 to 2025, and spent seven years at Vontobel Wealth Management in Hong Kong from 2015 to 2022. 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 both model-based and discretionary strategies designed by internal CIO teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christina Diercks is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Bank NA since 2005 and with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as a power of attorney and trustee for her mother. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions across a large platform of more than 14,000 advisors.

Timothy Makovkin is a financial advisor at Cetera with 36 years of experience. He holds Series 63 and Series 65 designations and has worked at Cetera and Voya Financial Advisors. He also operates as an independent insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of over 10,000 advisors, offering a range of portfolio management and financial planning services across multiple program structures.

Feroz Subedar is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and 18 years of industry experience. His career includes prior roles at Ummah Investments LLC, Optima Investment Management LLC, and Scottrade/TD Ameritrade Services. He has been with Charles Schwab and Charles Schwab Bank since 2019. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm’s integrated structure combines advisory, brokerage, custody, and cash-sweep services with a focus on multi-asset model portfolios and alternative investments.

Mary Plowden is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. She holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015. Based in Palo Alto, CA, she provides institutional consulting services. J.P. Morgan Securities offers institutional consulting to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program uses a combination of quantitative screens and qualitative research to build model asset allocations, with recommendations limited to eligible strategies.

Sheela Sukhdeo is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2021. She has been with Fidelity Investments since 2013, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. As a Certified Financial Planner (CFP), she focuses on wealth planning and maintaining a high level of integrity, compassion, and competence for her clients. Her experience spans various aspects of financial consulting, where she stays current with relevant knowledge and strategies to support her clients' financial futures. She holds a California Insurance License, further supporting her expertise in the field. Outside of her professional work, Sheela has personal interests in art, family activities, fitness, food, social events with friends, and tennis.

Alexander Curtis is a financial advisor at Morgan Stanley in Palo Alto, CA, with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory work, Curtis serves on the advisory board of Wishlife, a family communication platform based in South San Francisco. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Katelyn Pan is a financial advisor at Morgan Stanley in Palo Alto, holding a Series 66 designation with one year of industry experience. Her prior roles include positions at Andersen Tax and 23andMe, as well as work at U.C. Berkeley and Homestead High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Stella Miretsky is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Wells Fargo Investments, LLC, as well as Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Lan Xiao is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining LPL Financial, Lan worked at General Mortgage Capital Corporation and Cetera Investment Services. Outside of advisory work, Lan is involved with General Mortgage Capital Corporation and operates a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a broad platform that combines advisory services with non-advisory financial products.

Jacob Kamine is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 credential and has worked with Morgan Stanley since 2020, including a position at Morgan Stanley Private Bank, N.A. Prior to his current roles, he was involved with Kamine Farms for several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee models.

Matthew Ives is a financial advisor at Morgan Stanley with 45 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory duties, he serves on the advisory board for the Conference on Charitable Giving and is a board member of the North Fork Association. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Fan Qi is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Prior to joining Merrill and Bank of America in 2019, she was involved with The Baubox LLC. Outside of her advisory role, she co-owns and manages a rental property business with her husband through several related LLCs. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Amy Chan is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with Wealth Management Advisors to develop and implement personalized wealth plans for families and future generations. She focuses on building and maintaining multigenerational relationships and providing client services that help clients navigate Fidelity's resources to establish solid financial plans. Amy has been with Fidelity Investments since 2013, advancing through roles that include Financial Representative, Relationship Manager, Senior Relationship Manager, and currently Wealth Management Planning Consultant. She holds a California Insurance License, supporting her work in financial planning and client advisory services.

Mengning Zhou is a financial advisor with Mass Mutual Investors Services in San Jose, CA. She holds the ChFC® designation and has 10 years of industry experience, including tenure at MassMutual Life Insurance Co. Since 2024, she has also worked as a mortgage loan originator with General Mortgage Capitol Corp., originating loans and offering rates to clients. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations through structured, collaborative engagements using firm-approved analytical tools.

Joanna Ho is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her career includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and JPMorgan Chase affiliates. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory process.

Erica Adolfsson is a financial advisor with Ameriprise in San Jose, CA, holding Series 66, Series 65, and Series 63 licenses and 11 years of industry experience. Her prior work includes roles at Unison Investment Management, Charles Schwab, Merrill, and Fidelity. Outside of advisory roles, she is listed as the Chief Financial Officer of Buie Commercial Corporation, a family-related real estate business with minimal time commitment. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which combines proprietary research and algorithmic tools to provide recommendations focused on dependable income and tax-aware withdrawal strategies.