Matthew Pencer is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and eight years of industry experience. His work history includes positions at Charles Schwab Bank and Charles Schwab since 2018, as well as prior roles at The Mountain Winery and Pencer Instrument Care. 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 a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and due diligence on alternative investments.

Pamela Flournoy is a CFP®-designated financial advisor with LPL Financial in San Jose, CA, bringing 22 years of industry experience. She has worked with LPL Financial since 2007 and previously spent three years at Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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.

Nathaniel Chun is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has two years of industry experience and previously worked at Prudential and Pruco Securities LLC. Outside of his advisory role, Chun is also employed with IHSS, providing caretaking and related services. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, offering financial planning, third-party asset management, and brokerage services through a wide network of investment adviser representatives.

Theodore Moorhead is a financial advisor at RBC Capital Markets with 35 years of industry experience. He holds the ChFC® designation and securities registrations including Series 63 and Series 65. Prior to joining RBC in 2024, he worked at Bank of America and Merrill. Moorhead serves on the boards of Bay Area Housing, Inc. and the Morgan Autism Center. RBC Wealth Management serves individual, institutional, pension, corporate, and charitable clients, offering customized advisory programs with discretionary and non-discretionary portfolio management and financial planning services. The firm utilizes a blend of in-house and third-party investment managers and provides integrated capital markets and affiliated asset management capabilities.

Gregory Lindahl is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and with 18 years of industry experience. He has been with LPL Financial and its affiliated entities since 2006. In addition to his advisory role, he spends part of his time providing tax consulting related to retirement and college savings through a separate tax planning business. 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, model portfolios, third-party asset management, and institutional platforms.

Amir Enayati Shariat Panahi is a financial advisor at Wells Fargo Clearing with three years of industry experience. He previously worked at Bank of the West for seven years before joining Wells Fargo in 2023. Outside of advisory services, he co-owns and manages a real estate business with his spouse in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through a large network of financial advisors.

Masataka Scanlan is a financial advisor with Mass Mutual Investors Services in San Jose, CA. He holds a Series 66 designation and has been in the industry since 2023, with prior experience in businesses including Superstars of Sports, Inc. and Card Shop Live, Inc. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of specialized planning programs.

Grace Ma is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Morgan Stanley Smith Barney since 2012. Her prior roles include positions at Wells Fargo Clearing, Charles Schwab, and TD Ameritrade. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and analytical models to support client planning needs.

River Li is a CFP® professional with 11 years of industry experience, currently serving at Morgan Stanley in Cupertino, CA. His career includes roles at Wells Fargo Clearing, Charles Schwab, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee guidance in its process.

Wansha Zhao is a financial advisor at J.P. Morgan Securities in Cupertino, CA, with Series 66 credentials and one year of industry experience. Prior to joining J.P. Morgan Securities, Zhao worked at MassMutual and CreditEase Investment Consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Thomas Fritze is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation and Series 63 license, and has 28 years of industry experience. He has been with Mass Mutual and its affiliates since 2005 and is also involved in life and health insurance sales through Creekside Insurance Services, Inc. since 1995. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative, annual planning process with tools such as Monte Carlo simulations and automated asset allocation, recommending investment categories and strategies but not exercising investment discretion.

Mark Taylor is a Series 66-licensed advisor with LPL Enterprise, based in San Jose, CA, and has one year of industry experience. Prior to joining LPL Enterprise in 2025, he spent eight years at Quest Software. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is largely model-driven, utilizing portfolios developed by internal and third-party strategists, and it offers access to various asset managers and financial planning services.

John Kettmann is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career as a Financial Advisor in 1991 and has since developed experience focusing on the 401(k) marketplace, investment management, tax minimization, and retirement assets and services. John works to craft strategies that help clients build, manage, and preserve wealth for both current and future generations. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) credentials. John earned his Bachelor's Degree from Santa Clara University and his Master's Degree from Golden Gate University.

Carl Schreiber is a financial advisor with Charles Schwab in Campbell, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His prior experience includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, and Merrill Lynch. Outside of finance, he is also an actor with a sole proprietorship in the entertainment industry that remains open for residual income but is not active during market hours. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to discretionary managed accounts, supported by a large-scale, integrated operational platform.

Siyuan Zhang is a financial advisor with LPL Enterprise and holds Series 65 and Series 63 licenses. He has three years of industry experience, including roles at The Prudential Insurance Company of America, PRUCO Securities, and Transamerica Financial Advisors. Outside of advisory work, he leads hardware manufacturing and procurement for Glimpse LLC dba Skylight. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment approaches and offers financial planning, access to third-party asset managers, and a wrap program through its network of investment adviser representatives.

Paul Martin is a financial advisor at Wells Fargo Advisors in San Jose, CA, with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill and Wells Fargo Clearing. Outside of advisory work, he is involved in managing MPG Investments, which is an active business-related venture. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored planning solutions across various areas, including retirement, education, risk, and specialized services such as business-owner transition and special-needs planning.

Alberto Delgado is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2020 and Bank of America N.A. since 2022. Outside of his advisory roles, he has held positions in athletics and recreation at the University of California Santa Cruz. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Hansen is a Series 66-credentialed financial advisor with Equitable Advisors in Campbell, CA. He has one year of industry experience. Prior to joining Equitable Advisors, he worked at Flagship Services, Inc. and Dio Deka. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Andre Barde Jr. is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held roles at C2 Education and various other employers. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, as well as registered investment companies, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, AI-driven research, and its advisory role to multiple registered investment companies and fund-of-funds.

Jasper Smith is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 15 years of industry experience. His career includes roles at Prudential Insurance Company of America, Pruco Securities, and Merrill. He is actively involved with The #BuildWealth Movement as an author, speaker, and founder of a related radio and podcast series, and serves on the board of the Urban Financial Services Coalition’s San Francisco Bay Area chapter. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm utilizes a model-driven investment approach with access to third-party asset managers and offers financial planning, consulting, and various affiliated non-securities products and services.