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.

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.

Theresa Sellinger is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has previously worked at Next Insurance and HSBC US, as well as having been affiliated with Cornell University. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a broad investable universe.

Lindsay Adamson is a Series 66-licensed financial advisor at J.P. Morgan Securities with two years of industry experience. Prior to joining J.P. Morgan Securities, Adamson worked at JPMorgan Chase Bank, First Republic Wealth Management, and Wells Fargo Advisors. Based in Palo Alto, CA, Adamson’s background includes a range of roles within major financial firms. 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 searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions, supporting a broad range of investment strategies including ESG considerations.

Yinghui Zhou is a Financial Advisor with Merrill Lynch Wealth Management. In this role, she works directly with clients to develop strategies tailored to their short-, mid-, and long-term financial goals. She also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Yinghui's expertise includes retirement planning, general investing, and wealth management. She holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Doctorate Degree from Cranfield University and a Bachelor's Degree from Tianjin University. Yinghui is proficient in English and Mandarin. Her community involvement includes participation with Asian Family Connect (AFC) and the Children's Health Council.

Brett Berry is a CFA® charterholder with 20 years of industry experience, currently serving at J.P. Morgan Securities. His career includes positions at First Republic Investment Management and Bailard, Inc. Brett is based in Woodside, CA. 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 searches, and customized performance reporting. The firm’s advisory process integrates quantitative screens and qualitative research, utilizing forward-looking capital market assumptions and an ESG eligibility framework.

Robert Barry is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 45 years of industry experience. His prior experience includes ten years at Wells Fargo Investments, LLC. Outside of his advisory role, he is involved in managing an olive ranch and olive oil producing business in Paso Robles, CA. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

David Ho is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior roles include positions at Charles Schwab and EquityBee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, with a focus on tailored financial planning using firm-approved tools and structured discovery processes.

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 with Charles Schwab, holding a Series 66 designation and five years of industry experience. Prior to joining Schwab, Shelby worked with 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, offering a combination of non-discretionary and discretionary investment management with a multi-asset model portfolio approach.

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 holds the Series 66 and Series 63 licenses. Prior to joining Morgan Stanley in 2025, she worked at J.P. Morgan Securities for three years and JPMorgan Chase Bank, N.A. for fifteen years. 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 and financial planning services supported by structured discovery processes and advanced planning tools.

Anthony Custodio is a CFA® charterholder with 26 years of experience in the financial services industry. He is currently with J.P. Morgan Securities in Palo Alto, CA, and has held previous roles at First Republic, Bank of America, Merrill, and Wells Fargo Investments. Outside of his advisory work, Mr. Custodio serves as a volunteer committee member on the investment committee for TheatreWorks and acts as an executor for a family trust. 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 searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to build model asset allocations and incorporates ESG considerations where applicable.

David Finston is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms including Bank of America, Merrill, E*Trade, and Northwestern Mutual. His background also includes non-financial roles at Redwood Harley Davidson and Evergreen MKTG LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both retail and institutional investment solutions.

David Freeman is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and seven years of industry experience. His background includes positions at Ferguson Law Group, Inc., University of California Santa Cruz Silicon Valley Extension, and Dayton Law Firm, P.C. He has been with Merrill since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Nguyen La is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Nguyen worked at Keypoint Credit Union and held positions in both academic and corporate environments including San Jose State University, NEC Labs America, De Anza College, and DoorDash. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning services supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and Corporate Financial Planning agreements.

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.