Michael Thompson is a Series 66-credentialed advisor with 27 years of industry experience, currently with OSAIC since 2024. His prior experience includes roles at Securities America Advisors and 1st Global Capital Corp. He is a trustee of multiple family trusts and operates an accounting practice. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, employing a model-based investment process with options for discretionary management, third-party managers, and alternative investments.

Michelle Harvey is a financial advisor with UBS Financial Services in Castro Valley, CA, holding Series 63, 65, and 66 credentials and bringing 7 years of industry experience. Her prior roles include positions at Bank of America Private Bank, Union Bank MUFG, Wells Fargo Investments, and Morgan Stanley DW Inc. She serves as treasurer and board member for a youth swim team and is a board member of the Arthur M Jawad Education Fund for Saint Joseph Notre Dame High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and providing financial planning, portfolio management, and capital markets support through a large network of advisors.

Yong En Xiao is a financial advisor with Wells Fargo Clearing based in Palo Alto, CA, holding Series 65 and Series 63 credentials and eight years of industry experience. Prior to joining Wells Fargo Clearing in 2018, Xiao worked at J.P. Morgan Securities and J.P. Morgan Chase Bank. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Amar Singh is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1995 and works with individuals, families, and business owners to understand their financial situations, time horizons, and liquidity needs. He assists clients in articulating both short- and long-term goals and recommends financial strategies aligned with their objectives. Amar employs a holistic approach that integrates wealth and liability management, combining personalized service with investment insights from Merrill and banking access through Bank of America. Before joining Merrill Lynch, Amar served as a Vice President at BOK Financial. He holds a Bachelor’s degree from Jai Hind College and an MBA from the University of Colorado at Denver. He is also a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, executive compensation, family wealth management, retirement planning, small business strategies, and socially responsible investing. Outside of his professional work, Amar is involved in community service through organizations such as Second Harvest Food Bank. He enjoys spending time with his family and engaging in outdoor activities, including golf, swimming, biking, and various sports. Amar communicates fluently in Hindi, Punjabi, and English.

Veronica Wang is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. She has worked at UBS since 2018 and has prior experience in the metal fabrication and restaurant industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations. The firm provides a range of services including fee-based financial planning and portfolio management, operating with both wealth management and institutional trading capabilities.

Mary Warmbier is a financial advisor at J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 licenses with four years of industry experience. Her work history includes positions at J.P. Morgan Chase Bank NA, JPMorgan Securities LLC, and AllianceBernstein. 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 searches, and customized performance reporting. The advisory process integrates centralized due diligence with quantitative and qualitative research and may include ESG considerations.

Aidin Soltani Hendesi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds Series 63 and Series 65 licenses and has 10 years of industry experience, including ongoing roles at Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2014. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Manning is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior roles at Citigroup Global Markets and Deutsche Bank Securities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct client plans and Corporate Financial Planning through employer agreements.

Matthew Mcgrouther is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and also works with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by proprietary tools and modeling techniques.

George Pekeshe is a financial advisor at LPL Financial with a Series 66 designation. He has prior experience at Rettew, Enviroscan Inc, Stanford Federal Credit Union, and Franklin and Marshall College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Julian Lai is a financial advisor at Morgan Stanley with eight years of industry experience. He has been with Morgan Stanley since 2015 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Phaby Utomo is a financial advisor at J.P. Morgan Securities in Palo Alto, CA, holding CFP® and CFA® designations with three years of industry experience. Prior to joining J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. in 2024, Utomo worked at Bordeaux Wealth Advisors and UBS Wealth Management. 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. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and broader derivatives and commodities capabilities.

Roger Toguchi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Morgan Stanley and Wells Fargo Investments. Outside of his advisory work, he serves as a director for a family-owned investment-related business and is a co-trustee of his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Eric Tallon is an Investment Consultant at Fidelity Investments, bringing several years of experience in financial advisory roles. He began his career as a Financial Advisor at Merrill Lynch from 2013 to 2015, followed by a position as a Financial Consultant at Scott Trade in 2016. He then served as an Investment Solutions Representative at Fidelity Investments from 2022 to 2025 before assuming his current role. Eric holds a California Insurance License, supporting his ability to provide comprehensive financial advice. He partners with clients to build long-term financial advisory relationships, aiming to deliver tailored and objective advice that empowers clients to pursue their personal passions and goals. Outside of his professional work, Eric enjoys gardening, hiking, parenthood, reading, and playing tennis.

Christopher Devcich is a financial advisor with Edward Jones in Half Moon Bay, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Sarah Delaney is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She previously worked at Merrill from 2014 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Marina Strasser is a CFP® with five years of industry experience, currently affiliated with Charles Schwab in Los Altos, CA. Her work history includes multiple roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of financial services, she owns an investment property that she plans to rent out beginning in December 2025. Charles Schwab serves a large client base of 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 both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Hilary P. Jones is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. She primarily serves individuals, families, and small institutions, helping them achieve their financial goals through strategic development and ongoing management. Ms. Jones incorporates her personal experience with saving for college, retirement planning, elder care, wealth transfer, and divorce into her client services. She has been with Merrill Lynch since 2004 and previously worked as a Financial Advisor at AG Edwards. Before her career in financial advising, she held roles managing Human Resource departments at Hewlett Packard and Agilent, and served as Dean of Admissions at a private college in northern California. Ms. Jones earned both her Bachelor's and Master's degrees in Asian Studies from the University of California at Berkeley. She holds the Personal Investment Advisor (PIA) designation. Her investment philosophy is informed by a long-term market perspective and a family tradition of commitment to client relationships, spanning three generations. She focuses on combining traditional investments with Merrill Lynch Wealth Management strategies and approved third-party portfolios, with a particular interest in retirement issues affecting the Baby Boom generation. Outside of her professional work, Ms. Jones is active in the Palo Alto community. She serves as President of the Association for Senior Day Health and is involved with various local organizations including the Foothills Club, Kappa Kappa Gamma Sorority, and the Palo Alto Woman's Club.

Esfandiar Zartoshty is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Mass Mutual Pacific and Vector Insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning and asset management solutions through its network of investment adviser representatives, utilizing model portfolios and customized strategies supported by proprietary research and technology tools.

Juan Rojas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and previously worked at First Tech Federal Credit Union. Outside of his advisory role, he is involved with Phases Financial Group, a multi-member LLC, where he serves as a financial advisor. 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, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary consulting using analytical tools and supports a broad network of advisors, with specialized capabilities in municipal finance and employer advisory services.