Fadi Aridi is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. His work history includes roles at Wells Fargo Bank, Merrill, Bank of America, and Coastal Roofing and Solar. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory 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.

Hector Pachuca Lara is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing Services LLC since 2018, with prior experience at Wells Fargo Bank NA dating back to 2009. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Cheryl Marquez is a CFP® professional with 37 years of experience in the financial industry. She is currently with LPL Financial and has held prior roles with Monterey Zoo, Cheryl L Marquez Inc, Marquez & Hsieh, LLC, various insurance carriers, and Waddell & Reed, Inc. She has been active in several business entities outside her advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and multiple portfolio strategies.

Al Barron is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 63 designation and offering 40 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning utilizing firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Heather Wood is a financial advisor at Ameriprise in Santa Clara, CA, with 10 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2014. Ameriprise provides a retirement-income planning service tailored for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kathleen Vogt is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, and other types of clients.

Joseph Basulto is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2022. In this role, he focuses on collaborating with clients to develop comprehensive financial plans that align with their goals and financial vision. He aims to provide clients with the information necessary to make confident decisions related to their overall financial wellness. Joseph has been with Fidelity Investments since 2007, progressing through various roles including Financial Representative, Private Client Relationship Manager, Investment Representative, Financial Consultant, and Workplace Financial Consultant. His extensive experience spans financial consulting and client relationship management within the company. He holds a California Insurance License.

Gregory Sivaslian is a financial advisor at OSAIC with 42 years of industry experience. He holds a Series 63 designation and has worked at Securities America Advisors, Inc. and Securities America, Inc. prior to joining OSAIC. Outside of his advisory work, he and his wife co-own and manage several rental properties. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with an emphasis on asset allocation, risk assessment, and portfolio construction using various investment vehicles and third-party platforms.

Phuong Quach is a financial advisor at Ameriprise with 24 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliates since 2005. Quach serves as treasurer on the Santa Clara County Estate Planning Council board and chairs the FPA NorCal Conference Committee. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Dinesh Goyal is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors, LPL Financial, and Kestra Financial Services. Goyal is also a trustee of the Dinesh & Seema Goyal Family Trust. OSAIC serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and supports a variety of account management options, including discretionary and non-discretionary management.

Joseph Estabillo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank and Wells Fargo. Based in San Jose, CA, his career also includes roles at CUSO Financial Services and Patelco Credit Union. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Giang Le is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity in 2025, Giang held roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., each for one year. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors, through discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and is noted for its use of systematic methodologies and AI-driven strategies.

Anthony Nguyen is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63, 65, and 66 licenses and bringing 17 years of industry experience. His background includes roles at NSI Engineering and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm integrates institutional advisory capabilities with brokerage, distribution, and investment management services.

Jesus Morales Moreno is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he has worked in various roles including operating Junior's Farm LLC and Dolce Spazio Gelato. He also has an educational background spanning several years at institutions including the University of California, Santa Cruz. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its registration with the CFTC as a commodity pool operator and its advisory role to multiple registered investment companies.

Mary Warmbier is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank NA and AllianceBernstein among other firms. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm delivers these advisory services alongside brokerage, distribution, and investment management capabilities.

Mathew Miller is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of the West, Bancwest Investment Services, Inc., and JPMorgan Chase Bank. 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 both brokerage and advisory solutions supported by research and analytics.

Carter Crum is a financial advisor at UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both an investment adviser and a broker-dealer.

Douglas Gilliland is a Series 66-credentialed financial advisor with Morgan Stanley in Cupertino, CA, bringing 22 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved in elder care and support for a minor child through activities connected with the County of Santa Clara. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning services.

Phaby Utomo is a CFP® and CFA® credentialed advisor at J.P. Morgan Securities with three years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Bordeaux Wealth Advisors and UBS Wealth Management. He is based in Palo Alto, CA. 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.

Curtis Ko is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. He holds a Series 66 designation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach is grounded in modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.