James Ku is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, incorporating an ESG eligibility framework and leveraging affiliated investment-management resources.

Jacob Hogan is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Fidelity in Campbell, CA. He has held roles within Fidelity since 2020 and previously worked at New Focus Academy and Discovery Academy. Outside of his advisory work, he is co-owner of a business involved in maintenance and upkeep of rental property. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Gianna Aiello is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She previously worked at NYLIFE Securities, LLC and New York Life Insurance Company. Gianna has also been involved in roles outside finance, including positions at Scarlett Vision Media and GAB Public Relations, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Chadwick Suntay is a financial advisor with OSAIC, holding CFP® and ChFC® designations and possessing 25 years of industry experience. He has worked with Securities America Advisors, Inc. for 15 years prior to joining OSAIC and has operated Beaconpath Wealth Management since 2007. Outside of his advisory role, he serves as a project manager and business analyst for the City and County of San Francisco Public Works IT department. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform that includes comprehensive financial planning, managed portfolios, third-party money manager programs, and retirement plan consulting. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, supported by various analytical and rebalancing tools.

Corrine Fabie is a CFP®-designated financial advisor with Morgan Stanley in Los Gatos, CA, and has 31 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Kristian Sorensen is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked at RBC Capital Markets since 2013 and City National Bank since 2017. Outside of finance, he is involved as a passive owner of The Cooperage American Grill and serves on the board of Aldersly Garden Retirement Community. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering advisory programs with tailored investment strategies implemented through a range of internal and third-party managers.

Ann Escobar is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. She has worked at LPL Financial since 2021 and has prior experience at Waddell & Reed, Inc. from 2013 to 2021. Outside of advising, she is a notary public as of 2025. 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 advisory and brokerage services including financial planning and model portfolio programs, supported by extensive operational and research tools.

Elicia Flores is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, she works directly with clients to understand their current financial situations and introduces them to various financial solutions offered through Merrill and Bank of America. Her focus is on empowering clients with the knowledge and tools necessary to take control of their financial lives and select the platforms that best meet their needs. Elicia holds the Professional Investment Advisor (PIA) designation, demonstrating her commitment to professional expertise in the financial field. She earned her bachelor's degree from the California State University system. Her approach centers on helping clients uncover their personal and family priorities to develop strategies that align with their financial goals.

Derek Ferriera is a CFP® and ChFC® with 42 years of experience in the financial services industry. He is currently with OSAIC and previously spent over 27 years at Lincoln Financial Advisors Corporation. Ferriera has co-authored the book *Master Your Financial Success* and is involved in several insurance-related businesses and practice management ventures. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services through a multi-advisor platform, featuring model-based asset allocation, portfolio optimization, and access to third-party money managers and alternative investments.

Hoa Kha is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding Series 66 and Series 63 licenses with six years of industry experience. His work history includes roles at Wells Fargo Clearing and Wells Fargo Bank, as well as J.P. Morgan Securities and JPMorgan Chase Bank. Outside of advisory services, he is involved in an e-commerce business focused on selling used clothing, collectible dolls, and Funko Pop items through social media platforms. 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 combines quantitative and qualitative research supported by a centralized due diligence team and includes capabilities in derivatives and commodities through affiliated entities.

Alia Davariar is a Series 66 licensed financial advisor with seven years of experience, currently affiliated with Merrill in San Jose, CA. She has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

Erika Tonges is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2017, following four years at GNorth. She holds a Series 66 designation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Darren Bado is a CFP®-certified financial advisor with five years of industry experience, currently practicing at Ameriprise in Santa Clara, CA. His prior roles include positions at Bordeaux Wealth Advisors, Kestra Advisory, and Transitions Wealth Advisors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm leverages a centralized team and proprietary tools to deliver non-discretionary recommendations tailored to clients meeting certain asset thresholds.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Jason Drotar is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a notary public and co-owns a fitness studio franchise with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations, with planning engagements typically discrete and client-implementation optional.

David Foguet is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Since 2023, he has also provided financial and tax planning services as a Certified Public Accountant, offering budgeting advice, tax preparation, and financial statement analysis. MML Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, and charitable organizations with financial planning, asset management, and educational services. The firm structures financial planning engagements as annual, collaborative relationships that utilize firm‑approved tools to analyze client goals and provide written recommendations.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Dienyung Sun is a financial advisor with J.P. Morgan Securities in Sunnyvale, CA, holding Series 63 and Series 65 designations and having 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research, employs an ESG eligibility framework, and utilizes broader derivatives and commodities capabilities.

Jolly Kang is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Merrill, Kang worked at Bank of America and has experience as a caregiver providing in-home supportive services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Anh Huynh is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Anh worked at JPMorgan Chase Bank and J.P. Morgan Securities. Anh has also been involved with entrepreneurial ventures including Buddha Boy Foods Inc. and 3 Kingdoms Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.