Lisa Rose is a financial advisor with UBS Financial Services in San Mateo, CA, holding the Series 66 designation and bringing 23 years of industry experience. She has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, 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 to tailor investment plans to client goals and risk tolerances.

Mathew Mcclain is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. 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 advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Calvin Shiu is a financial advisor at Wells Fargo Clearing in San Jose, CA, holding the ChFC® designation with 23 years of industry experience. His career includes multiple roles at Wells Fargo entities and Morgan Stanley Private Bank. Outside of his advisory work, he owns and operates an online coffee K-Cup sales business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader investment menu that features insurance-related products and bank deposit sweep options.

Jack Hsia is a financial advisor with Wells Fargo Clearing in Houston, TX, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of advisory work, he holds a minority ownership in a manufacturing company, Union Tech Co, 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 advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Pierre Andre Volpe is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Hallmark Aviation Services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Brandon James is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Charles Schwab since 1997 and Charles Schwab Bank since 2008. Outside of his advisory work, he owns a rental property managed by its residential HOA. Charles Schwab 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 combines non-discretionary advisory relationships with discretionary separately managed accounts, using multi-asset model portfolios and a structured approach to alternative investments.

Davis Tsai is a Series 66-credentialed advisor at Fidelity with less than one year of industry experience. His prior work includes roles at Wellesley Partners and Gochi HK, as well as attendance at the University of Colorado Boulder. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail, institutional investors, and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Emmanuel Santos is a financial advisor with Cetera in San Francisco, holding the PFS™ and Series 63 credentials and bringing 31 years of industry experience. He has a background in law and accounting, serving as president of Santos Fumar Law, a professional corporation, and of his own accounting firm, Emmanuel A. Santos, JD CPA Inc. Additionally, he is involved as chief financial officer of the Richmond Ermet AIDS Foundation, a nonprofit organization. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a nationwide network of advisors, operating a multi-manager platform with access to both affiliated and third-party investment strategies.

Nirmal Rout is a Certified Financial Planner® with 18 years of industry experience, currently advising clients at Edward Jones since 2019. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Outside of his advisory work, he owns a rental property business in Oakland, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions. The firm operates under a fiduciary standard and supports its clients through a large network of financial advisors and branch offices.

Hailey Hagy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She previously worked at Sand Hill Global Advisors, UBS Financial Services, and Northwestern Mutual Investment Services, among others. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.

Adrian Antonio is a Financial Consultant currently working at Fidelity Investments since 2021. He has developed a professional approach centered on understanding clients' personal goals, creating tailored financial plans, and providing investment guidance to help clients feel confident in their financial strategies. Prior to his current role, Adrian worked as a Financial Solutions Advisor at Merrill from 2018 to 2021 and served as Vice President - Financial Consultant at Charles Schwab from 2007 to 2018. His experience spans over a decade in financial consulting and investment advisory. Adrian holds a California Insurance License, supporting his work in financial consulting and planning.

Dennis Quan is a financial advisor with LPL Financial based in San Francisco, CA, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has worked at BancWest Investment Services and BANK OF THE WEST since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Kathleen Santos is a Financial Consultant at Fidelity Investments, a position she has held since 2021. She has over thirty years of experience in financial services, having served in various capacities including Relationship Manager at Fidelity Investments, Regional Vice President at Rational Funds and Behringer Securities, and Client Service Specialist at Private Portfolios. Her professional background includes roles in marketing and regional sales across several firms. Throughout her career, Kathleen has worked closely with clients to develop retirement plans and wealth planning strategies tailored to their financial goals. She emphasizes the importance of understanding client needs to help them achieve financial confidence and organization in their decision-making processes. Kathleen holds a California Insurance License. Further educational background and personal interests have not been provided.

Ben Eshaghi is a Certified Financial Planner® with 45 years of industry experience. He is affiliated with OSAIC and has previously worked at Signator Investors, Inc. for 36 years and Royal Alliance Associates, Inc. for 8 years. He also operates a sole proprietorship offering health insurance services including Medicare supplement policies. OSAIC serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides a range of investment advisory and brokerage services through an extensive network of advisors, utilizing asset-allocation tools and multiple investment platforms.

James Orr is a financial advisor at UBS Financial Services in Menlo Park, CA, with 25 years of industry experience. He holds a Series 66 designation and has been with UBS Financial Services since 2000. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and asset allocation models to tailor client solutions.

Brennan Kurtela is a CFP® with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2025. Prior to this, he worked at Strategic Wealth Advisors Group and LPL Financial, among other firms. He is based in Woodside, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Leung Lee is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes multiple roles within J.P. Morgan Chase Bank and J.P. Morgan Securities since 2018, as well as five years at Uber prior to joining the firm. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kwanghyon Park is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2019. He previously worked at Bank of America, N.A. for 10 years and Merrill for 13 years. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Awad is a Series 66 licensed financial advisor currently with Fidelity, where he has worked since 2025. His prior work experience includes roles in various industries such as education and healthcare. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies. The firm also serves as an advisor to multiple registered investment companies and employs systematic approaches incorporating AI and long-term asset allocation strategies.

Edward Sickel III is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he serves as a co-trustee for family trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with discretionary options and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep programs.