Ruby Lin is a financial advisor at RBC Capital Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at City National Bank, Bank of America, Merrill, and RBC Capital Markets. Lin is the owner of a personal charity LLC that makes donations primarily to organizations in Taiwan and other developing countries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Stephan Garate is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Before joining Morgan Stanley, he worked at Equitable Advisors, LLC, and held various roles outside the financial sector, including positions at Baron Construction, Central Coast Surfboards, and A-Town Diner. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include integrated planning and investment solutions.

Harsh Pradhan is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2006. He has over 19 years of experience at Fidelity, focusing on serving clients by leveraging the company's resources to develop and implement wealth planning strategies. Prior to his current role, Harsh worked as a Financial Consultant at Charles Schwab & Co., Inc from 1998 to 2000 and at Dean Witter Reynolds Inc from 1995 to 1998. Harsh holds a California Insurance License, supporting his work in financial consulting and wealth management. He emphasizes building relationships with clients to understand their priorities and advocate effectively on their behalf. Outside of his professional responsibilities, Harsh enjoys family activities, gardening, hiking, and traveling.

Carrie Scaletta is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her career includes two prior tenures at UBS and three years at Wells Fargo Clearing. Outside of her advisory role, she plans travel for friends and family through a travel agency venture focused on theme parks, cruises, and hotels. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory solutions. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a diverse platform of financial products.

Yue Carol Liao is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. She has previously worked at Bank of America/Merrill Lynch for over a decade and has been with J.P. Morgan since 2026. Outside of advisory work, she co-owns and manages a family rental property in Dublin, California. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program emphasizes written asset allocation advice and manager searches, supported by centralized due diligence and a combination of quantitative and qualitative research.

Bhavin Mehta is a CFP® with 34 years of industry experience, currently serving at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Securities America Inc. from 2017 to 2024, as well as over 18 years at Kestra Financial Services, Inc. and Kestra Investment Services, LLC. Outside of his advisory work, he holds a board position with Omkar Rocklin Inc., a motel property business. Osaic Wealth serves a diverse client base ranging from individual investors to institutional clients and offers a multi-advisor platform with brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and a complex affiliate network.

Salma Rasheed is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over 17 years of experience in the financial services industry, having previously worked as a Financial Advisor and Investment Associate at Wells Fargo Advisors from 2007 to 2016. Throughout her career, she has assisted clients in developing, implementing, and maintaining personalized financial plans, even in challenging market conditions. Salma holds a California Insurance License and focuses on wealth planning, helping clients work toward their financial goals. She leverages the resources and platforms available at Fidelity to support her clients' financial objectives.

Ismael Macias is a CFP® and Series 66 certified financial advisor with four years of industry experience. He is currently with Charles Schwab and has prior experience at JPMorgan Chase and in hospitality management. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Gregory Kosal is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 designations and 14 years of industry experience. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2014 and 2016, respectively. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers a combination of brokerage and advisory solutions.

Pietersen Sylvester is a Series 66-licensed financial advisor with one year of industry experience. He is currently with J.P. Morgan Securities and previously worked at Morgan Stanley Wealth Management and held roles outside the financial sector, including at Yext and in construction management. J.P. Morgan Securities provides institutional consulting services focusing on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Joshua Denton is a Financial Consultant with over 10 years of experience in the financial services industry. He currently focuses on retirement planning, investment planning, tax-efficient investing, retirement income strategies, and comprehensive financial planning. His approach aims to simplify financial planning and provide actionable strategies for individuals and families. Throughout his career, Joshua has held leadership roles at Wells Fargo, including Senior Branch Premier Banker from 2019 to 2024 and Senior Branch Leader from 2014 to 2019. He holds a California Insurance License. Outside of his professional work, Joshua engages in family activities, football, outdoor adventures, and traveling.

Maritza Rogers is a CFP® and holds a Series 66 license with 22 years of industry experience. She is currently with OSAIC and previously spent 21 years at Lincoln Financial Advisors. In addition to her advisory role, Rogers is also licensed as an insurance agent, offering various insurance products including health and disability coverage as well as annuities. OSAIC serves a diverse client base including retail, institutional, and retirement plan participants, providing both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with emphasis on asset allocation and portfolio optimization, supporting discretionary and third-party managed strategies.

Ben Kim is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. He has been with J.P. Morgan Securities since 2021 and has worked at JPMORGAN Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Andrew Castro is a CFP® and holds a Series 66 license, with 12 years of industry experience. He has been with Edward Jones since 2014, working in their Menlo Park, CA office. Outside of financial advising, he coaches group classes at CrossFit Palo Alto in Mountain View. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Gregory Meyerott is a financial advisor at Wells Fargo Clearing with Series 66 and Series 63 licenses and three years of industry experience. He previously worked at JPMC Bank NA and J.P. Morgan Securities for four years. 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 through both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Brandon Loza is a financial advisor at Morgan Stanley in San Jose, CA, holding Series 65 and Series 66 licenses with eight years of industry experience. His career includes roles at Cetera Advisor Networks, Sageview Advisory Group, Futu Inc, Uber, and E*TRADE. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers financial planning services primarily in an advisory capacity.

Chad Parker is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Ameriprise in San Jose, CA. He has been with Ameriprise and its affiliated entities since 2008. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement, typically with at least $1 million in net investable assets. The firm provides written, research-driven Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies, delivered through a centralized consulting team in collaboration with client advisors.

Nicholas Hoodecheck is a financial advisor at Charles Schwab with four years of industry experience. He holds a Series 66 credential and has worked at Charles Schwab and Charles Schwab Bank since 2021. His prior roles include positions at Thomson Reuters, KMG Consultants Inc, and Minnesota Vikings LLC. Charles Schwab serves a large client base primarily composed of 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 affiliated discretionary SMAs and offers a centralized operational model with extensive resources for alternative investments and cash management.

Alwa Gordon is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked with Wells Fargo Bank since 2012 and Wells Fargo Clearing since 2016. Outside of his advisory role, he owns and operates a music production and distribution business called 88 Over Everything. 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 combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Mark Curtis is a financial advisor at Morgan Stanley with 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by positions within Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. He holds Series 63 and Series 65 licenses and serves as a board member of The Sobrato Foundation, a nonprofit involved in real estate and investments. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, offering tailored 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.