Renee Hurni Gray is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008, following roles at UBS Financial Services and Waddell & Reed. 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.

Alexander Oberle is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2012, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, Oberle is a sole proprietor involved in rental property management in San Jose, California. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Jennifer Cardoza is a financial advisor at Edward Jones with Series 66 credentials and five years of industry experience. She worked at Merrill for 20 years before joining Edward Jones in 2024. Outside of her advisory role, she serves as an office manager for a pest control company, where she manages client communications and website maintenance. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment options, supported by a large national network of advisors and branch offices.

Dayna Sumiyoshi is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Roland Villanueva is an Investment Consultant with experience in financial planning and client relationship management. He has worked in various roles within the financial services industry, including Planning Consultant and Relationship Manager at Fidelity Investments from 2020 to 2024, Financial Consultant and Client Service Specialist at TD Ameritrade from 2016 to 2019, and Personal Banker at Citibank from 2014 to 2016. In his current role, Roland focuses on understanding clients' unique stories to develop personalized and holistic financial plans and investment strategies that aim to support their financial goals. He holds a California Insurance License, which supports his work in financial consulting. Outside of his professional work, Roland has interests in baseball, fishing, football, kayaking, outdoor adventures, and spends time with his pets.

Min Ma is a financial advisor with LPL Financial in Sunnyvale, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2009, Min worked at Ameriprise from 2005 to 2009. Outside of advisory work, Min is involved in providing in-home supportive services. 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 portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial activities.

Dieter Ramaekers is a CFP® with 28 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. since 2016. He is a co-owner of Adint Associates LLC, which owns the office space where he works, and leads a marketing team through Adint, Ramaekers and Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting and supports a large network of advisors with specialized programs in municipal finance and employer retirement plans.

Aarushi Khurana is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior roles include positions at Ameriprise and Ducat Capital Partners. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios. The firm also serves as a commodity pool operator and advisor to multiple registered investment companies.

James Li is a Financial Consultant currently working at Fidelity Investments since 2022. He has held roles as a Senior Wealth Advisor at Citi Global Markets Inc in 2022, Financial Solutions Advisor at Merrill Lynch from 2018 to 2022, and Universal Banker at Unionbanc Investment Services from 2017 to 2018. His professional experience spans various aspects of financial consulting and wealth advising, focusing on creating sound financial plans to help clients navigate life transitions. James holds a California Insurance License.

Ellice Papp is a financial advisor with UBS Financial Services in Los Altos Hills, CA, holding Series 63 and Series 65 credentials and possessing 49 years of industry experience. She has been with UBS since 2002. Papp serves on the board of directors for TheatreWorks Silicon Valley, a nonprofit theatre company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Paul Magliaro is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a 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 a structured planning process supported by firm-approved tools and economic modeling.

Francesko Kristovich is a financial advisor at J.P. Morgan Securities with 20 years of industry experience and a Series 66 designation. His career includes roles at JP Morgan Chase Bank, Chase Investment Services Corp., Wamu Investments, Inc., and Wells Fargo Investments, LLC. He is also the owner of a commercial rental property through F & A Petaluma LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and leverages derivatives and commodities capabilities through its broader regulatory registrations.

Patrick Bennett is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cadaret, Grant & Co., Inc., Wells Fargo Advisors, Merrill, Banc of America Investment Services, and Citigroup Global Markets. Outside of his advisory work, he coaches lacrosse in Woodside, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, third-party asset management, and institutional platforms, supporting advisors with research-driven tools and a broad suite of financial products.

Blerina Mucaj is a Financial Consultant currently working with Fidelity Investments since 2022. She collaborates closely with clients to understand their financial needs and develop tailored plans and strategies to help them pursue their goals. Her professional experience includes roles at JP Morgan Chase Bank, N.A. and JP Morgan Securities LLC, where she served as a Private Client Advisor from 2019 to 2022, Financial Advisor from 2018 to 2019, and Financial Advisor Associate Trainee in 2018. Prior to that, she worked as a Premier Banking Advisor at RBC Wealth Management from 2016 to 2017. Blerina holds a California Insurance License. Outside of her professional work, she has interests in photography, reading, and traveling.

Daniel Gong is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior work includes roles at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. He has been with Charles Schwab and related entities since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and access to alternative investments within an integrated operational structure.

Qizhen Xie is a ChFC® and holds a Series 66 license with eight years of industry experience. He has been with Morgan Stanley since 2018, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to that, he worked at Amazing Wealth Insurance Agency for seven years. Outside of his advisory role, he is an owner of a rental property in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Zvart Potoukian is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Potoukian serves as a board member for the adoption agency St. Nick's Kids Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Richard Amaechi is Vice President and Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. In his current role, he focuses on building strong relationships with clients to develop personalized financial strategies that evolve over time. His approach emphasizes clear communication and steady guidance to help clients make informed decisions and achieve peace of mind. Before becoming Vice President, Richard held the position of Financial Consultant at Fidelity Investments and gained prior experience as a Training Manager at UBS, Retail Sales Supervisor at Vanguard, and participated in Vanguard's Emerging Leadership Development Program. He holds a California Insurance License, supporting his expertise in financial and insurance products. Outside of his professional work, Richard has interests in cars, fitness, and museums.

Gaylord Gomez is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Palo Alto, CA. He has 24 years of industry experience, including previous roles at Wells Fargo Investments and Mass Mutual Investors Services. He has been with Wells Fargo Clearing since 2016. 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 across more than 14,000 advisors and offers both brokerage and advisory solutions.

Brendan O'Brien is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a decade at Citigroup Global Markets. Outside of his financial advisory role, he is involved in coaching lacrosse in Woodside, California. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and employing firm-approved planning tools and structured discovery processes.