Lan Zhang is a financial advisor at Charles Schwab with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1993, including a role at Charles Schwab Bank since 2005. 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 options supported by multi-asset model portfolios and centralized operational infrastructure.

Patrick Lee is a Vice President and Financial Consultant at Fidelity Investments. In his current role since 2017, he works closely with his experienced team to leverage Fidelity's brand, technology, and platform. Patrick focuses on retirement, income, and wealth planning, aiming to understand clients' unique situations and help them define and achieve their financial goals. Prior to joining Fidelity, Patrick held positions as Vice President Senior Wealth Financial Advisor at Bank of the West from 2013 to 2017, and as Vice President Financial Advisor at Merrill Lynch from 2010 to 2013. He holds a California Insurance License.

Marci Rosenfeld is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and bringing 22 years of industry experience. Her prior roles include positions at Wells Fargo Advisors and First Republic Investment Management. She serves as Vice Chair of the Board and Investment Committee at the Contemporary Jewish Museum. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Elvira Vargas Candelario is a financial advisor at Fidelity with Series 63 and Series 66 credentials and five years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Uber, and Ross Stores Inc. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including multi-manager and fund-of-funds structures.

Melissa Archibeque is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2000. Outside of her advisory role, she serves as a Power of Attorney for an entity named MS C A Trust in Menlo Park, California. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using a range of model-based and discretionary strategies, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ayesha Muzaffar is a financial advisor at RBC Capital Markets with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Morgan Stanley from 2015 to 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and customizes investment strategies using both in-house and third-party managers, with additional services such as financial planning, custody, and brokerage.

Eugene Park is a Financial Consultant at Fidelity Investments, bringing a comprehensive approach to financial planning. As a Certified Financial Planner™ professional, he provides guidance that integrates investments, tax-efficient investing, retirement planning, estate planning considerations, and risk management. Before joining Fidelity Investments in 2023, Eugene held various roles at J.P. Morgan Chase, including Senior Home Lending Advisor from 2020 to 2023, Branch Manager from 2016 to 2020, and Private Client Banker from 2011 to 2016. This experience has informed his holistic approach to financial consulting. Eugene holds a California Insurance License which complements his expertise in financial planning. He prioritizes ongoing education and adherence to rigorous standards, aiming to put his clients' interests first.

Desairee Diaz Solis is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Charles Schwab Bank and Chase Bank, as well as earlier positions outside the financial sector. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated platform and centralized operations.

Tomoko Koyama is a Planning Consultant at Fidelity Investments, a position she has held since 2025. She began her career at Fidelity Investments in 2022 as a Financial Consultant. Prior to joining Fidelity, Tomoko held various roles including Vice President - Private Client Advisor at JP Morgan Chase from 2019 to 2022, Vice President - Private Client Associate at Bank of America Private Bank from 2018 to 2019, and Vice President - Financial Solutions Advisor at Bank of America - Merrill from 2014 to 2018. Tomoko holds a California Insurance License. Raised in a culture where discussing money was a taboo subject, she aims to provide financial guidance to as many families as possible. Outside of her professional work, Tomoko has interests in fitness, movies, photography, traveling, and yoga.

Tommy Ngo is a Financial Consultant currently serving clients at Fidelity. He focuses on understanding client situations and planning accordingly, providing tailored support through a comprehensive team of professionals. Tommy has over five years of experience in the financial industry, with previous roles including Investment Consultant and Client Relationship Specialist at Charles Schwab, and Associate Banker at JPMorgan Chase. He holds a California Insurance License. Outside of his professional work, Tommy enjoys golf, swimming, and traveling.

Richard Boden is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at TD Ameritrade from 2016 to 2021. He also serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Fay Fruin Jameson is a financial advisor at UBS Financial Services with 38 years of industry experience. She holds the Series 66 designation and has been with UBS since 2011. Outside of her advisory work, she manages a rental property through a local property management company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Sanjana Ameen is a financial advisor with Fidelity in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked in various capacities within Fidelity since 2015, most recently with Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction using mutual funds, ETFs, and ETPs. The firm is noted for its roles as a commodity pool operator and as an advisor to multiple registered investment companies, as well as for its use of algorithmic methods and AI in portfolio management.

Erik Hall is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity Investments since 2004, progressing through roles including Financial Consultant, Relationship Manager, and Equity, Options, Fixed Income Trader. Erik partners with families and organizations to understand their goals and develop personalized financial strategies. His approach focuses on executing these strategies while mitigating risks and making adjustments as financial markets and client circumstances change. He holds a California Insurance License.

Nathaniel Weir is a financial advisor at Charles Schwab in Los Altos, CA, holding a Series 66 designation with one year of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Nugget Markets Inc., Burger Patch, and Peet's Coffee, as well as extensive experience in full-time education. 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, delivering investment guidance through multi-asset model portfolios and a centralized operational structure.

Maclan Yavuz is a Wealth Management Planning Consultant at Fidelity Investments, where he collaborates with clients, a Wealth Management Advisor, and a team of specialists to develop personalized financial plans tailored to clients' needs. He focuses on building meaningful, lasting relationships to support clients and their families. His professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2021 to 2023, then as a Relationship Manager from 2023 to 2026 before assuming his current position. Throughout his tenure, he has been engaged in comprehensive wealth management and client support. Outside of his professional work, Maclan enjoys cooking and baking, family activities, music, spending time with pets, reading, and practicing yoga.

Ryan Purpur is a financial advisor with Charles Schwab & Co., Inc. in Menlo Park, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Area Wide and was involved with Stanford Summer Camps and the Stanford Campus Recreational Association during his full-time education. 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 management supported by multi-asset model portfolios and a centralized operational structure.

Dalten Smith is a CFP® and Series 66-licensed financial advisor at Charles Schwab with three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021 and previously held positions in logistics and education. His past roles include work at GEODIS Logistics, Lakeridge Golf Course, and Full Time Education. Charles Schwab serves a large client base, 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 solutions supported by multi-asset model portfolios and centralized operational structures.

Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.

Willard Wellings is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has a long career including prior roles at Avantax Advisory Services and 1ST Global Advisors. He is also a partner at Wellings & Co., a firm he has been associated with since 1990. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and retirement services, supporting over 10,000 advisors and managing more than $256 billion in assets.