A.J. del Castillo is a Financial Consultant currently working at Fidelity Investments since 2023. He has held various roles in the financial services industry, including positions as a Financial Advisor at Ameriprise Financial Services, LLC, Vice President and Financial Consultant at Charles Schwab, and multiple roles at Fidelity Investments dating back to 2004. With over twenty years of experience, A.J. specializes in working closely with clients to develop financial plans tailored to their individual goals. His approach emphasizes building strong relationships founded on trust and a thorough understanding of each client's needs. A.J. holds a California Insurance License. Outside of his professional work, he has personal interests in music and traveling.

Lisa Ball is a financial advisor with RBC Capital Markets in San Jose, CA, holding a Series 66 designation and over 32 years of industry experience. She has worked at RBC Capital Markets since 2002, with additional experience at UBS Financial Services and Wells Fargo Clearing. 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 various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Selina Wu is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as Vice President Wealth Relationship Manager at HSBC from 2019 to 2024. She holds a California Insurance License, supporting her work in financial consulting and wealth management. Outside of her professional career, Selina has interests in art, family activities, fitness, food, pets, and singing.

Terrence Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®). Terrence focuses on helping high net-worth individuals, families, business owners, retirees, and endowments and foundations develop and maintain customized wealth management strategies. His expertise includes college education planning, corporate retirement plan services, legacy planning, personal retirement planning, tax minimization, and addressing the unique financial challenges faced by athletes and entertainers. Central to his approach is the principle of asset allocation and diversification, aiming to construct portfolios that balance risk while pursuing growth aligned with clients' goals. He earned a Bachelor of Science degree in Business Marketing from San Jose State University. Before joining Merrill Lynch, Terrence lived and worked in Japan for approximately seven years and speaks Japanese. He resides in Los Gatos with his wife Tammy and their three children. In his personal time, he enjoys playing pickleball, practicing karate, staying physically active, reading, and spending time with his family.

Monica Carney is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, California, and has 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs that include tailored financial planning supported by firm-approved tools and comprehensive asset management.

Craig Cymrot is a financial advisor at Morgan Stanley with 33 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. Outside of his advisory work, he is involved as a successor trustee in a trust based in Mountain View, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and methodologies to support clients in achieving their financial goals.

Steven Shieh is a financial advisor with LPL Financial based in San Jose, CA. He holds Series 63 and Series 65 credentials and has one year of industry experience. Prior to joining LPL Financial, he worked at BMO Harris Bank and Moss Adams. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across advisory and brokerage platforms.

Karen Peck is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Jon Hanson is a financial advisor at Morgan Stanley with 8 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, following a one-year tenure at Lakin Spears LLP. He is based in Santa Cruz, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and utilizes structured financial planning tools as part of its process.

Xiaoyu Jiang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo in 2024, Jiang worked at Citigroup, Merrill, and Bank of America. Outside of finance, Jiang has ownership in a rental property located in Honolulu, Hawaii. 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 offers both brokerage and advisory solutions, managing approximately $671 billion in assets through over 14,000 financial advisors.

Jessica Levan is a CFP® professional with 18 years of industry experience, currently working with J.P. Morgan Securities since 2013. Her prior roles include positions at Chase Investment Services Corp. and MSI Financial Services, Inc. She is based in Morgan Hill, CA. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund 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 it offers capabilities including derivatives and commodities through various regulatory registrations.

Gitanjali Mishra is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has held positions at HSBC Securities, HSBC Bank USA, and Punjab National Bank prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base, including registered investment companies, and utilizes systematic methodologies and delegated sub-advisers in its management approach.

Fane Opperman is a CFP® professional with 38 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at A. G. Edwards & Sons, Inc. for 11 years. Opperman serves as an adjunct instructor in Personal Financial Management at California State University. 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 across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Jason Cheng is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2018. He has been with Fidelity Investments since 2013, previously serving as Assistant Branch Manager and Vice President - Financial Consultant. Prior to his tenure at Fidelity, Jason held various positions at Charles Schwab from 2006 to 2013, including Vice President - Financial Consultant, Investment Consultant, and Financial Representative. He began his financial services career at E*Trade Securities, working as a Financial Representative and Active Trader Specialist between 2003 and 2006. Jason holds a California Insurance License. He emphasizes the importance of hiring and developing financial advisors with integrity and dedication to effectively support clients as their primary advisors.

John Watson Jr. is a financial advisor at UBS Financial Services in San Jose, CA, holding a Series 66 designation with seven years of industry experience. His career includes prior roles at Merrill, Bank of America, and Service Corporation International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Erik Peterson is a financial advisor with Thrivent Investment Management in San Jose, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Thrivent Financial, Apex Systems, and Quality First Home Improvement. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors, offering goal-based analyses and written recommendations across a broad range of planning topics without discretionary trading authority.

Thomas Wright is a financial advisor with Wells Fargo Clearing in Campbell, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Bank, N.A. since 2005 and Wells Fargo Clearing since 2016. Outside of his advisory role, Wright provides transportation services through a personal involvement with Uber in San Francisco. 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 offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jodiah Herbert is a Financial Consultant at Fidelity Investments, where they work with clients to build comprehensive financial plans focused on wealth growth, retirement readiness, and long-term security. Jodiah partners with clients to create personalized strategies that support both their current priorities and future aspirations. Jodiah's professional experience includes roles as a Financial Consultant and Relationship Manager at Fidelity Investments, as well as Registered Representative at NYLIFE Securities LLC. Prior to these positions, Jodiah worked as an Insurance Agent with New York Life Insurance Company and World Financial Group. They hold a California Insurance License. Outside of their professional work, Jodiah enjoys camping, cars, golf, hiking, reading, and traveling.

Anne Michelle Salinda is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as a co-trustee for her parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Phil Nguyen is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. Outside of advising, he is involved in real estate ownership, including multi-family properties in Sacramento. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written, non-discretionary recommendations based on research and modeling. The firm combines advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic tools supported by oversight committees to generate tailored retirement income plans.