Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan in 2020, Zhang worked at Citibank for three years and at Qiaoli Hu CPA for one year. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation models and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Roberto Santos is a financial advisor at Fidelity with 25 years of industry experience. He holds a Series 66 designation and has worked in various roles within Fidelity, including Fidelity Brokerage Services LLC since 2000 and Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm engages in discretionary and non-discretionary advisory work, manages fund-of-funds structures, and employs systematic methodologies with oversight controls to address conflicts of interest.

Neil Hunter Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Raymond James, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he previously managed entrepreneurial ventures including Lightning Fit and Urban Golf Performance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to model potential outcomes, supporting implementation through advisory programs or other providers.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Kristopher Watts is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Morgan Stanley Private Bank and Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning using structured processes and approved analytical tools.

Gail Coleman is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and having 10 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously was employed by the San Ramon Valley Unified School District for two 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, offering both brokerage and advisory solutions and utilizing research from Wells Fargo Investment Institute along with third-party data to guide investment decisions.

Cathy Mu is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and possessing 26 years of industry experience. She has been with Mass Mutual Life Insurance and MML Investors Services since 2002 and has operated a CPA tax preparation business since 1998. Outside of her financial advisory work, she serves as the board member and executive director of The Thriving Foundation, an educational public charity focused on health and well-being. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Michael Tate is a CFP® with 39 years of industry experience, currently affiliated with Cetera. His prior roles include positions at OSAIC, Woodbury Financial Services, Bay Area Wealth Management Group LLC, and several other financial firms. He is an officer of Bay Area Wealth Management Group LLC, where he has been involved in financial planning and wealth management since 2019. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Patrick Phillips is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment-related venture based in Sacramento. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, utilizing various model portfolios, research resources, and technology-driven approaches.

Ravi Shah is a Certified Financial Planner (CFP®) with 13 years of industry experience. He is currently with Morgan Stanley, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors. His background includes roles at both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a range of programs and planning tools.

Jacob Zoller is a financial advisor with Charles Schwab in Walnut Creek, CA, holding a Series 66 designation and three years of industry experience. Prior to his current roles at Charles Schwab & Co., Inc. and Charles Schwab Bank SSB, he worked various jobs including positions at Ivar's Salmon House and periods of full-time education. 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 affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment solutions using multi-asset model portfolios, with integrated brokerage, custody, and advisory services.

Thomas Kennedy is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Jeffrey Hanson is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1990, he has focused on providing clients with personalized wealth management strategies tailored to their individual financial goals. Jeff combines decades of experience as a portfolio manager with his commitment to building enduring client relationships through customized investment advisory solutions and outstanding guidance. With over 30 years in the financial industry, Jeff has been an advocate of individualized portfolio management. Early in his career, he participated in Merrill Consults and became one of the first portfolio managers for the firm's investment advisory program. His expertise spans personal retirement planning, portfolio management services, and retirement income strategies. Jeff holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from West Bend East High School. Beyond his professional role, Jeff is active in his community. He has served as Toastmaster’s Club President, participated in Kiwanis and Rotary, and contributed to the Catholic church. He has coached youth sports teams, volunteered with Boy Scouts and Girl Scouts, and supported the Blue Devils Drum and Bugle Corps. In his personal time, Jeff enjoys adventure sports, biking, running marathons, skiing, and swimming.

Andrew De La Vega is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2026. Prior to this role, he held several positions within Fidelity Investments, including Investment Consultant (2025-2026), Planning Consultant (2023-2025), and Relationship Manager (2022-2023). Before joining Fidelity, Andrew worked as a Registered Representative conducting financial education workshops from 2020 to 2022. Andrew's professional approach focuses on helping clients prepare for major life events by understanding their goals and developing future plans. He emphasizes providing clients with realistic next steps, conducting regular check-ins, and maintaining a genuine interest in their financial objectives. He holds a California Insurance License. Outside of his professional work, Andrew enjoys board games, exploring culinary experiences, and attending theater performances.

John Slonaker is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has previously worked at Hall Equities Group and Ginsberg Financial Services. 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 of investment adviser representatives. The firm offers various advisory programs and financial planning services, providing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

David Chase is a financial advisor at Castlewood Financial Advisors, LLC with 21 years of industry experience. He holds a Series 66 designation and has held roles outside of finance, including senior director of planning at Amtrak, where he was involved in corporate budgeting and analysis. He has worked at Castlewood Financial Advisors since 2008 and has prior experience at Amtrak, Central Garden and Pet, and Lucy Pet Foods. Castlewood Financial Advisors primarily serves pooled investment vehicles and institutional clients, focusing on managing institutional mandates and portfolios. The firm combines asset-based and occasional hourly billing and operates with a structure tailored to institutional governance and pooled-vehicle administration.

Gilbert Kuo is a financial advisor with Kun Lun Development Corporation in Danville, CA, holding Series 63 and Series 65 designations and 31 years of industry experience. He has been with Kun Lun Development Corporation since 1995. Kun Lun Development Corporation primarily serves high-net-worth individuals, offering discretionary investment supervisory services, portfolio management, and investment consultations. The firm is notable for its performance-based fee arrangements, market-timing service, and negotiable advisory program terms tailored to its concentrated client base.

Yeh Chwen Kuo is a financial advisor at Kun Lun Development Corporation with 20 years of industry experience. He holds a Series 66 designation and has been with Kun Lun Development Corporation since 2008. Kun Lun Development Corporation primarily serves high-net-worth individuals, offering discretionary portfolio management, investment supervision, and various advisory programs. The firm is notable for its focus on performance-based fee arrangements and a concentrated client base, providing services tailored specifically to high-net-worth clients.