Susan Markham is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held positions at Morgan Stanley from 2009 to 2022 before joining UBS in 2022. Her credentials include Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management, offering services such as futures commission merchant activities, principal trading, and proprietary research.

Phil Cunningham is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliates since 2009, following a 16-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and processes. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Michael Yoshihara is a financial advisor with Osaic Wealth, Inc. in San Jose, CA, holding Series 63 and Series 65 licenses and with 32 years of industry experience. His prior work includes roles at Signator Investors, Inc. and Transamerica Financial Advisors. Outside of financial advising, he is a music instructor specializing in saxophone and serves as an advisor to a Japanese language school’s business operations. Osaic Wealth serves a broad client base including retail and institutional investors, offering advisory and brokerage services with a focus on model-based asset allocation and portfolio optimization through a multi-advisor platform.

Laurie Rudd is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding the Series 66 designation and bringing 27 years of industry experience. Her prior roles include positions at Wells Fargo Investments, Banc of America Investment Services, and Morgan Stanley DW Inc. She 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 roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Bart Smith is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked at several firms including Wells Fargo Investments, Wamu Investments, and UBS Financial Services. He is based in San Jose, 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 manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Eric Weitz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been serving clients in the financial services industry since 1996, bringing over 29 years of experience managing individual wealth through various market cycles. Eric focuses on a comprehensive and disciplined approach to wealth management, beginning with listening carefully to clients' needs to deliver personalized financial strategies aligned with their long-term goals. His areas of expertise include education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategies. Eric emphasizes simplicity and transparency in investing, aiming to help clients pursue objectives such as funding education, ensuring retirement income sustainability, managing health care costs, and facilitating wealth transfers across generations. Eric graduated from San Jose State University in 1994 with a B.S. in Finance and a minor in Economics. He holds the Personal Investment Advisor (PIA) professional designation. Based in San Jose, he enjoys spending time with his wife Christine and their two children. Eric's personal interests include baseball, camping, fishing, football, golfing, scuba diving, and soccer. Growing up in the San Francisco Bay Area, he is an avid supporter of local sports teams including the San Francisco Giants, 49ers, and Sharks.

Christian Lopez is a financial advisor with Wells Fargo Clearing in San Jose, CA. He holds a Series 63 designation and has one year of experience in his current advisory role, along with over two decades at Wells Fargo Bank, N.A. 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 and provides both brokerage and advisory solutions, relying on research and analytics to guide investment decisions.

Ronald Chapman is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. He has worked with RBC Capital Markets since 2013 and has also been with City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Vanessa De Ingardia is a CFP® with 28 years of industry experience, currently serving at Raymond James Financial. She has been a Certified Divorce Financial Analyst (CDFA) since 2016 and has worked with Raymond James Financial Services Advisors, Inc. since 2011. She operates a branch under the name Blue Diamond Wealth Management in Campbell, CA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored non-discretionary planning and analytical tools to support client goals and offers various advisory programs alongside municipal and public finance services.

John Bach is a financial advisor with J.P. Morgan Securities based in Santa Clara, CA. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Wamu Investments Inc. Outside of finance, he owns Bach Apparel, a screen printing business managed through a third-party vendor. 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 combines quantitative and qualitative research with forward-looking capital market assumptions to support its advisory process.

Tyler Winningham is a Series 66-licensed financial advisor with Cetera in San Jose, CA. He has been with Cetera and its affiliate since 2025. Prior to his advisory role, he worked at AuditBoard and Worldwide Express for a combined nine years. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of advisors, utilizing multiple program structures and investment strategies.

Thomas Woodell is a financial advisor with Ameriprise in Santa Clara, CA, holding a Series 63 designation and 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, algorithm-supported recommendations through a centralized consulting team.

Wendy Banks is a financial advisor at Charles Schwab with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated entities since 2013. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary guidance and access to discretionary separately managed accounts. The firm is notable for its integrated structure, combining advisory, brokerage, custody, and alternative investment services within a single platform.

Jordan Matthews III is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, TD Ameritrade, and Fidelity Brokerage Services. 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 affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized supervisory and custody services.

Ting Ting Zhao is a financial advisor with J.P. Morgan Securities in Saratoga, CA, holding Series 63 and Series 66 credentials and having nine years of industry experience. She has previously worked at Morgan Stanley and Wells Fargo in various roles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative manager due diligence and incorporates an ESG eligibility framework.

Jerrad Forman is a financial advisor at J.P. Morgan Securities with 32 years of industry experience. He has worked with JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. Over his career, he has held roles encompassing various aspects of investment services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research, incorporating ESG criteria and supported by affiliated implementation and portfolio services.

David Doolin is a financial advisor with LPL Financial in Santa Cruz, CA, holding a Series 66 designation and 17 years of industry experience. He has worked with LPL Financial and Financial Planning Consultants, LLC since 2008 and has been associated with Petrinovich Pugh & Company, LLP since 1992. Doolin is also a partner in a certified public accounting firm, where he spends 80% of his time. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of financial planning and investment management solutions supported by an in-house research team and a large network of investment adviser representatives.

Edward Davis is a financial advisor with Financial Planning Consultants, LLC, holding a Series 66 designation and 16 years of industry experience. His career includes roles at Integrity Alliance, LLC, Lion Street Financial, and Petrinovich Pugh & Company, LLP. Outside of advising, he serves on the board of the San Jose Chamber of Commerce and volunteers on the audit committee for Bellarmine College Prep. Financial Planning Consultants, LLC provides advisory referral services to individuals, high-net-worth clients, and pension and profit-sharing plans by introducing them to independent third-party investment advisers. The firm does not directly manage client accounts or provide ongoing portfolio management, focusing instead on making introductions and disclosing potential conflicts.

John Kawamoto is a financial advisor at Financial Planning Consultants, LLC with 15 years of industry experience. He holds Series 63 and Series 66 licenses and serves as a managing partner and CPA at Petrinovich, Pugh & Company, LLP, an accounting firm. Kawamoto is also involved in life insurance businesses as a shareholder. Financial Planning Consultants, LLC provides advisory referral services by introducing clients to independent third-party investment advisers. The firm does not manage client accounts directly but facilitates connections and disclosures regarding potential conflicts, receiving referral fees from the advisers it recommends.