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 a Series 66 designation and previously worked for Lincoln Financial Advisors for 14 years. In addition to his advisory role, he is licensed to offer various types of insurance products including accident and health, disability, long-term care, traditional life insurance, and annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large network of advisors, utilizing asset-allocation tools, risk assessments, and multiple investment platforms.

Paula Allen is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her prior roles include positions at Transamerica Financial Advisors, WFG, and Greg Sorensen. Outside of advisory work, she operates a tax preparation and accounting business in Dublin, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Phuong Mai is a financial advisor at Ameriprise with eight years of industry experience and holds a Series 66 credential. Prior to joining Ameriprise in 2026, she worked with Kestra Advisory and Transitions Wealth Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

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.

Arman Bhangu is an Investment Consultant currently working at Fidelity Investments since 2025. He previously served as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. In his role, Arman focuses on goal-based planning and providing personalized investment guidance to help clients achieve financial confidence. Arman holds a California Insurance License, which supports his efforts to offer comprehensive financial advice. His approach aims to foster trust and assist clients in navigating important financial decisions with clarity and confidence. Outside of his professional work, Arman has personal interests that include cars, comedy, fitness, hiking, and spending time with pets.

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 who holds Series 63 and Series 66 designations and has 22 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party investment options.

Kim Pham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and seven years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 investment options and bank deposit sweep programs among its offerings.

Hong Phuc Duong is a financial advisor at Merrill with six years of industry experience. He holds Series 66, Series 65, and Series 63 licenses and has worked previously at Bank of America, U.S. Bank, Guaranteed Rate Affinity, CitiGroup Global Markets Inc., and J.P. Morgan Securities LLC. Duong is based in San Jose, California. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 in San Jose, CA, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Ameriprise, Tang worked at Houlihan Lokey Capital, Inc. for three years and has held roles at Poly Capital, Everbright Securities, PwC, and earned experience through academic positions at the University of Southern California and Boston University. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement-income planning through written recommendations and ongoing advice, focusing on dependable income sources and tax-aware withdrawal strategies.

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 with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities LLC in 2022, Hao worked at Cathay Rock Investment Management and had multiple roles within the JPMorgan Chase organization dating back to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Li Chaoying is a financial advisor at Merrill with a Series 66 designation and no industry experience to date. Prior to joining Merrill in 2025, Li worked at Bank of America, CITIBANK, JVTEA TEATOP, and AT&T. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients 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.

Anna Loegering is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and based in San Jose, CA. She joined LPL Enterprise in 2026 and has prior experience working as a part-time gymnastics instructor and as an office assistant in the UC Davis Plant Sciences department. She is also involved with Whova, Inc. outside of her advisory role. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering both advisory and brokerage services. The firm utilizes a range of investment programs and third-party asset managers, combining financial planning with access to various brokerage and insurance products through its integrated platform.