Meenakshi Saxena is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2003, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. 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 approach 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.

Steven Duffy is a financial advisor at Edward Jones with 33 years of industry experience. He has been with Edward Jones since 1992 and holds Series 63 and Series 66 designations. Outside of his advisory role, he serves on the Lay Pension Board, Investment Committee, and Finance Council for the Diocese of San Jose, overseeing and reviewing the management of their investment pool. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm operates a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, tax-efficient services, and affiliated investment products under a fiduciary standard.

George Lu is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Ameritas Insurance Corp., and Ameritas Advisory Services, among others. Merrill, together 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karim Nalbandy is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2012. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach backed by centralized custody and operational support.

Jonathan Barr is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously worked at Transamerica Financial Advisors and Wfg. Barr is associated with Solutions Wealth Management, an investment-related business affiliated with his LPL practice. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools and diverse investment options.

David Cruz Castellanos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2015, with a brief employment gap from 2017 to 2018. Based in San Jose, CA, he currently serves clients through J.P. Morgan Securities. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Ajay Kirpekar is a Series 66 licensed financial advisor with Edward Jones in Saratoga, California, and has one year of industry experience. Prior to joining Edward Jones in 2023, he worked at Principal Financial, University of California, Northrop Grumman, and RiversideRE. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Todd Duncan is a CFA® charterholder and holds a Series 66 license with three years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA. His prior experience includes roles at First Republic Securities Company, Wells Fargo, and Enterprise Trust and Investment Company. 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 a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Angelo San Mateo is a CFP® with 10 years of industry experience, currently advising at Charles Schwab. His prior work includes roles at JP Morgan Chase Bank and TD Ameritrade Investment Management. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advisory and discretionary separately managed accounts. The firm combines integrated brokerage, custody, and advisory services with a multi-asset investment approach and access to alternative investments.

Matthew Hagen is a financial advisor at Fisher Investments with 19 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2006. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Zhou Chen is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by the Global Investment Committee’s analyses.

Jacinda Rabine is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to her current role, she held various positions including work at Bistro 234 and Milc Group, as well as experience with California Polytechnic State University. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process.

Haotian Xie is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2022. Prior to his financial services career, he was affiliated with Plug and Play Tech Center and held roles associated with Hult International Business School, Columbia University, and the University of California, San Diego. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services through a large network of financial advisors.

Emily Tran is a Series 66-licensed financial advisor with Merrill in San Mateo, CA, with eight years of industry experience. She has been with Merrill since 2017 and also works at Bank of America, N.A. since 2021. Prior to her advisory career, she was affiliated with New York University from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Genesis Renteria is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, she works closely with clients to create personalized investment strategies designed to pursue their financial goals. She provides investment advice and access to banking and lending services through Bank of America. With expertise in general investing, retirement planning, and preparing for unforeseen financial needs, Genesis takes the time to understand what matters most to her clients. She focuses on developing tailored strategies by uncovering the priorities and goals of individuals and families. Genesis holds a Bachelor's Degree from California State University of Dominguez Hills. She also maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Stephan Garate is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and entering his first year in the industry. His background includes roles in construction, education, and small business ownership prior to joining the financial services sector. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and extensive asset management.

Chiapei Lin is a financial advisor at Cetera with eight years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, Lin worked with Avantax Insurance and Investment Services from 2019 to 2025 and at 1st Global Capital Corp from 2017 to 2019. Outside of advising, Lin is a member of an LLC that manages rental real estate housing his CPA firm and related entities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers across various program structures and custodial relationships.

Harsh Pradhan is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2006. He has over 19 years of experience at Fidelity, focusing on serving clients by leveraging the company's resources to develop and implement wealth planning strategies. Prior to his current role, Harsh worked as a Financial Consultant at Charles Schwab & Co., Inc from 1998 to 2000 and at Dean Witter Reynolds Inc from 1995 to 1998. Harsh holds a California Insurance License, supporting his work in financial consulting and wealth management. He emphasizes building relationships with clients to understand their priorities and advocate effectively on their behalf. Outside of his professional responsibilities, Harsh enjoys family activities, gardening, hiking, and traveling.

Yue Carol Liao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America/Merrill Lynch. Outside of her advisory role, she manages a family rental property in Dublin, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Salma Rasheed is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over 17 years of experience in the financial services industry, having previously worked as a Financial Advisor and Investment Associate at Wells Fargo Advisors from 2007 to 2016. Throughout her career, she has assisted clients in developing, implementing, and maintaining personalized financial plans, even in challenging market conditions. Salma holds a California Insurance License and focuses on wealth planning, helping clients work toward their financial goals. She leverages the resources and platforms available at Fidelity to support her clients' financial objectives.