Sanjay Rajwani is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at TD Ameritrade, Inc. before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts.

Jeffrey Gustafson is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and has worked previously at Lincoln Financial Advisors, LPL Financial, and Associated Planners Investment Advisory Inc. Outside of his advisory role, he is also licensed to offer various insurance products including accident and health, disability, long-term care, traditional life insurance, and annuities. OSAIC serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform. The firm uses a model-based investment process that emphasizes asset allocation, portfolio optimization, and offers both discretionary and advisor-managed strategies supported by multiple custodial and third-party platforms.

Paula Allen is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at LPL Financial since 2017 and previously was employed at Transamerica Financial Advisors, Inc and WFG. Outside of advising, Paula operates a tax preparation and accounting service as a CPA. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Debby Kurniawati is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at U.S. Bank, Unionbanc Investment Services, and MUFG Union Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Nina Reyes is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and 17 years of experience with the firm. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to support its financial planning process.

Matthew Reinhardt is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Buckingham Strategic Wealth and The Colony Group. Reinhardt is involved in accounting and bookkeeping for a real estate-related business outside his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Lyle Smith is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with Merrill since 1983 and concurrently with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Hung Nguyen is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Cetera and its affiliated entities since 2013, working in the San Jose, CA area. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and custodial relationships.

Robert Sheely is a financial advisor with Morgan Stanley in Santa Cruz, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. His career includes roles at J.P. Morgan Securities and Morgan Stanley Private Bank. 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, including tailored financial planning supported by firm-approved tools and market models, managing approximately $2.74 trillion in client assets.

Haoyi Luo is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Luo worked at CitiBank from 2018 to 2022 and held roles at My Wireless between 2015 and 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by structured discovery conversations and firm-approved tools.

Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Zhiqi Tang is a financial advisor at Ameriprise with three years of industry experience. He previously worked at Houlihan Lokey Capital and has held roles at several other firms and academic institutions. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Adoree Lee is a financial advisor at Morgan Stanley in San Jose, CA, with 17 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at Merrill for 16 years and Rockefeller Financial LLC for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass comprehensive planning and investment management.

Michael Simon is a Financial Consultant at Fidelity Investments, where he collaborates with individuals and families to develop investment plans tailored to their unique priorities and values. He focuses on providing education, resources, and strategies to help clients establish and maintain a path toward their financial goals. Michael has held various roles at Fidelity Investments since 2022, including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. He holds a California Insurance License. Outside of his professional work, Michael enjoys cooking and baking, playing golf, visiting museums, reading, skiing, and traveling.

Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Alan Silverberg is a Series 66-credentialed financial advisor with Morgan Stanley in San Jose, CA, and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Tianyi Hao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2018, including at J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with a focus on non-discretionary, client-directed portfolio management.

Li Chaoying is a financial advisor at Merrill with a Series 66 designation and experience beginning in 2022. Prior to joining Merrill and Bank of America, Li worked at CITIBANK, JVTEA TEATOP, and AT&T. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional investors.

Adela Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works with a diverse client base that includes business owners, dentists, management professionals, women, and members of the Chinese community. Fluent in English and Chinese, she communicates effectively about various investment aspects, including Employee Stock Option Plans (ESOP) and Employee Stock Purchase Plans (ESPP). With professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), Adela follows a disciplined process to understand her clients' values and develop personalized financial strategies. She holds a Bachelor's Degree from Fu Jen Catholic University and a Master's Degree from Northern Illinois University. Beyond her professional role, Adela is an author of two books and has raised three children as a single mother. She is actively involved in community service, having served as President of the ROC Villages Association of Northern California, participating in the San Francisco Taiko Group as a drummer, and contributing to organizations such as Tzu Chi USA and the Organization of Special Needs Family.