Dukens Holmes Tallandier is a financial advisor at Edward Jones in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, they were involved with Bay Area Home Cleaning, a residential and commercial cleaning service they owned and managed. Dukens also served in the US Army Reserves from 2013 to 2022. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Carolyn Chan is a CFP® and holds a Series 66 license with 10 years of industry experience. She is currently with Charles Schwab in San Francisco, where she has worked since 2018, including previous roles at Merrill and UBS Financial Services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and alternative investment due diligence.

Borami Yoon is a financial advisor at Morgan Stanley with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley, Bank of America, N.A., and Merrill. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and the Estate Planning Strategies Group.

Zana Lugo is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2026. She brings extensive experience in financial advisory roles, having worked as a Financial Consultant at Fidelity Investments from 2020 to 2025, Senior Financial Consultant at TD Ameritrade from 2019 to 2020, Financial Advisor at Pettinelli Financial Partners from 2018 to 2019, Vice President Financial Consultant at Charles Schwab from 2014 to 2018, and Financial Advisor at Ameriprise Financial from 2003 to 2013. Zana holds a California Insurance License and focuses on financial planning to help clients work towards goals important to them and their families. She values the opportunity to support clients on their financial journeys.

Meifang Wang is a financial advisor at Merrill with seven years at the firm and three years of industry experience. She holds a Series 66 designation. Prior to joining Merrill, she spent 18 years at XingXing Art and Learning Center. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Victoria Makovitch is a financial advisor with Cetera, holding a Series 65 credential and three years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Advisory Services for two years. She has been involved since 2001 with Wellings & Co. and Wellings Wealth Care, where she performs tax preparation and accounting services alongside wealth management assistance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create custom strategies across various program structures.

Lindsay Adamson is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Advisors, First Republic Wealth Management, and JPMorgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Brett Berry is a CFA® charterholder with 20 years of industry experience, currently serving at J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management and First Republic Securities Company. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Robert Barry is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 44 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. Outside of advisory work, he co-owns an olive oil producing ranch in Paso Robles, California. 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 grounded in modern portfolio theory. The firm’s approach includes preparation and review of investment policy statements, investment recommendations, performance reporting, and participant education, with specialized options such as discretionary 3(38) services and the inclusion of insurance-related investment vehicles.

David Ho is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior work includes roles at Charles Schwab and EquityBee Inc. 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 and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory services.

Osvaldo Rojas is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been associated with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methods such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and delivers services both directly to individuals and through Corporate Financial Planning agreements.

Shelby Bullion is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2018. Her prior experience includes roles in nonprofit organizations such as the Louisiana Art & Science Museum and Voices for Children Inc., CASA. Charles Schwab & Co., Inc. 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 offers both non-discretionary and discretionary investment options, leveraging a multi-asset model portfolio approach combined with centralized supervision and custody arrangements.

John Ramacciotti is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 18 years of industry experience. He worked at Merrill from 2007 to 2020 before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Johanna Vargas is a financial advisor at Morgan Stanley with five years of industry experience. She previously worked at J.P. Morgan Securities for three years and JPMorgan Chase Bank, N.A. for fifteen years. Vargas holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Anthony Custodio is a CFA® charterholder with 25 years of industry experience. He is currently affiliated with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A., having previously worked at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory role, Mr. Custodio serves as a volunteer investment committee member for TheatreWorks and acts as an executor and successor trustee for a family trust. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized reporting. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while supporting clients with a centralized due-diligence framework.

Olga Tsepalova is the Vice President Private Wealth Management Advisor at Fidelity Investments. She has over 21 years of experience in the financial services industry and has been with Fidelity for the past 12 years. In her current role, she assists clients and their families in constructing and executing comprehensive financial plans and helps them navigate complex financial decisions. Olga's professional experience includes positions such as Vice President, Wealth Planner and Financial Consultant at Fidelity Investments, as well as roles at Metlife Securities, Ameriprise Financial, US Bancorp, US Bank, and Wells Fargo Bank. She holds insurance licenses in Arkansas and California. On a personal note, Olga is happily married with three children and a dog.

Oksana Yuzefovich is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with clients, Wealth Management Advisors, and the broader Fidelity team to implement strategies aimed at growing, preserving, and transferring wealth. She is focused on providing excellent service and fostering positive client experiences in every interaction. Her professional background includes roles as a Principal at Silicon Valley Capital Partners from 2021 to 2023, as well as positions at Fidelity Investments including Senior Relationship Manager from 2018 to 2021 and Relationship Manager from 2015 to 2018. Oksana holds a California Insurance License. Outside of her professional work, Oksana's interests include cooking and baking, hiking, visiting museums, music, outdoor adventures, and playing table tennis.

Kevin Chew is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and previously worked at J.P. Morgan Securities for nine years. Kevin is also associated with CUNA Brokerage Services and CUNA Mutual Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including retirement plan consulting and model portfolios supported by in-house and third-party research.

Andrew Lunney is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including financial planning that uses structured discovery discussions and firm-approved tools to model outcomes without providing individual security recommendations.

Gavin Lam is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. He also provides in-home supportive services care to a family member. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversification and modern portfolio theory in their investment approach.