Karen Jaffe is a Series 66-licensed financial advisor with Morgan Stanley in Oakland, CA, where she has worked since 2018. She has eight years of industry experience, including two years at Collabera Inc before joining Morgan Stanley. 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 including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client goals.

Philip Horowitz is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney from 2012, and WHV Investments, Inc. from 2007 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and combines structured planning tools with broad retail and institutional investment offerings.

Josephine White is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. She has worked at Merrill since 2005 and has been with Bank of America, N.A. since 2011. Outside of her advisory role, she is a board member of the Rotary Club of Alameda, where she participates in community service activities including tree planting, food distribution, scholarship funding, and support for immigrants. 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 organizations.

Paige Skrabo is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Before joining Morgan Stanley, Paige worked at Free People for three years and attended San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Kate Martinez is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning her career in financial services in 1998, she has developed expertise in financial planning, portfolio management, and retirement income strategies. Prior to joining Merrill Lynch in 2008, she spent eight years at Wells Fargo Investments where she served affluent clients in managing their financial assets. Kate's approach involves thoroughly understanding her clients' personal and financial needs to establish objectives and develop customized strategies addressing both short-term and long-term concerns. She conducts regular quarterly reviews and annual financial planning audits to ensure clients remain on track to meet their financial goals. She collaborates closely with clients' attorneys, accountants, and insurance professionals to support an attainable path toward their objectives. Kate holds a Bachelor's degree in Finance and Accounting from San Francisco State University. She has earned the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp. Fluent in Mandarin and Cantonese, Kate volunteers at her children's school and enjoys spending time with her family, hiking, cooking, and gardening.

Zachary Lopes is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2023. Prior to his career in financial advising, he spent ten years as a student. 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 multi-asset model portfolios supported by in-house research and alternative investment options.

Mei Cheung is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior roles include positions at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., where she worked for eight years, as well as BancWest Investment Services, Inc. and BMO Bank NA. 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, model portfolio programs, third-party asset management, and institutional platforms.

Ryan Lee is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, utilizing a centralized consulting team to provide detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Celeste Gurule is a financial advisor at OSAIC with 39 years of industry experience. She holds the CFP® designation and the Series 63 license. Prior to joining OSAIC in 2025, she worked for Lincoln Financial Advisors Corporation from 1987 to 2025. Outside of her advisory role, she is involved in managing insurance-related activities and operates a legal entity offering fixed and indexed annuity products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services supported by asset-allocation tools, risk assessments, and access to third-party money managers.

Claude Bishop is a financial advisor with Osaic, holding a Series 66 designation and bringing 24 years of industry experience. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors and Kestra Financial Services, Inc. He is also the owner of a CPA firm where he provides tax preparation and planning services, and occasionally advises selected clients on life insurance coverage. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services. The firm utilizes advanced asset-allocation tools and third-party resources to manage diversified portfolios across various asset classes.

Jonathan Tran is a Series 65-credentialed advisor at Fisher Investments with 12 years of industry experience. He has been with Fisher Investments since 2011. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative analysis and implements tax-aware strategies along with defensive tactics to manage risk.

Guy Ben Ari is a financial advisor with Edward Jones in Alameda, CA, holding CFP® and Series 66 designations and 17 years of industry experience. He has worked at Edward Jones since 2009. He serves as a board member of the Peralta Colleges Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs with a nationwide network of over 23,000 financial advisors.

Rashell Miszanczuk is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 10 years of industry experience, including prior roles at Morgan Stanley and UBS Financial Services. She is currently based in Castro Valley, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Ernest Guzman Jr. is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various Morgan Stanley entities since 1998, including Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning that utilizes structured discovery and advanced modeling tools.

Donald Ledoux is a CFP®-designated financial advisor with 21 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has served at Raymond James since 2023 and previously worked at Summit Financial Group, LLC, and Securian Financial Services. Ledoux is a board member and treasurer of the PulsePoint Foundation, a nonprofit organization. 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 offers tailored, non-discretionary planning and consulting supported by advanced analytical tools and maintains specialized programs for municipal finance and employer retirement plans.

Xiao Liu is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has been associated with Bank of America and Merrill since 2015. Outside of his advisory role, Liu co-owns a family investment business and is involved in another investment-related venture based in California. 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 tailored to individuals, high-net-worth clients, and institutional investors.

Hana Cuartelon is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, she worked at Fremont Bank from 2019 to 2025 and has experience in the home health and banking sectors. She also serves as a notary at Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of representatives. The firm offers a range of investment programs and institutional platforms, utilizing various strategies including model portfolios and third-party management.

Travis Benjamin is a CFP® professional with 12 years of industry experience, currently serving at Edward Jones since 2016. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved as a manager of Triumphant Estates, LLC, a rental property business in Brooklyn, NY. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets and operates through a network of over 23,700 financial advisors nationwide.

Nicholas Charbonneau is a Planning Consultant at Fidelity Investments, a role he has held since 2026. In this position, he works closely with clients to understand their financial goals and collaborates with them to develop personalized financial plans. Prior to his current role, Nicholas gained experience at Fidelity Investments as a Relationship Manager from 2025 to 2026 and as a Financial Representative from 2024 to 2025. This progression reflects his growing expertise in financial planning and client relationship management. Outside of his professional work, Nicholas has interests that include baseball, beach activities, boating, fitness, golf, and skiing.

Jose Leyva is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support non-discretionary advisory services.