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.

Barbara Madden is a financial advisor at Ameriprise with 25 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2001, including her current role since 2020. Prior to her current position, she was associated with Mission College for 13 years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

Svetla Vavova Clifford is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. Her prior roles include positions at The Blakeley Group, Charles Schwab, and American Century Investment Services. She is also the owner of Uniquely Yours Designer Dolls, a doll customizing business she has operated since 1999. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Miguel Jimenez is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds a Series 66 designation and previously worked at Merrill for 15 years before joining J.P. Morgan in 2021. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Ryan Seay is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He is based in San Jose, CA. 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 and financial planning services supported by proprietary tools and methodologies, managing approximately $2.74 trillion in client assets.

Samantha Williams is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments in various roles since 2011, including Financial Consultant, Planning Consultant, and Senior Relationship Manager. Prior to joining Fidelity, Samantha worked at JPMorgan Chase as a Licensed Personal Banker and at E*TRADE FINANCIAL as an Executive Services Specialist. She also held a position with American Express Financial Advisors. Samantha holds a California Insurance License. She is focused on building long-term relationships with clients and their families, emphasizing trust and collaboration to develop holistic financial plans tailored to their unique experiences and goals. Outside of her professional career, Samantha enjoys cooking and baking, participating in family activities, caring for pets, reading, traveling, and volunteering.

James Gagnon Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and 27 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in health insurance activities in San Jose, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Seongu Lee is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. Before joining Merrill, Lee held positions at Bank of America, J.P. Morgan Securities, JPMorgan Chase Bank, and several other firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.