Michael Cobb is a Series 66-licensed financial advisor at Merrill in San Jose, CA, with 9 years of industry experience. He has been with Merrill since 2015. 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, pension plans, corporations, and charitable organizations.

Jane Khalaf is a CFP® with 16 years of industry experience. She is currently with LPL Financial and has previously worked at Edward Jones and UBS Financial Services. Her background includes advisory roles across major financial firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mehdi Moghni is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2017, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current position starting in 2024. As a CERTIFIED FINANCIAL PLANNER™, Mehdi focuses on wealth planning and staying informed about developments that affect his clients' financial futures. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, Mehdi enjoys boating, camping, attending concerts, hiking, and spending time with family.

Emmanuel Abrokwah is a Financial Consultant currently working at Fidelity Investment since 2025. He began his tenure at Fidelity Investment in 2024 as a Financial Consultant 1 before advancing to his current role. Prior to joining Fidelity Investment, Emmanuel served as a Senior Premier Banker (AVP) at Wells Fargo Bank from 2014 to 2024. Emmanuel partners with his clients to co-create personalized, long-term financial plans tailored to their specific financial goals. He holds a California Insurance License, which supports his expertise in financial consulting. Outside of his professional career, Emmanuel has interests in beach activities, cars, fitness, hiking, soccer, and table tennis.

Galina Sapozhnikov is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 credential and 19 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2009 and previously worked at Wells Fargo Investments, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and operational efficiencies.

Xianzheng Zhong is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Citigroup and Solomon Page Group. Outside of his advisory role, Zhong has been involved with a business focused on Chinese translation, travel, and consulting. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with additional financial product offerings.

Daniel Owens is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at Wells Fargo Investments, Citigroup Global Markets, and Citicorp Investment Services. Outside of his advisory work, he plays trumpet in the Left 2 Write funk band based in San Francisco. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, incorporating research from Wells Fargo Investment Institute and employing diversification and modern portfolio theory in its investment evaluations.

Joseph Keenan is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 designation and bringing 24 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services using firm-approved tools and methodologies.

Melissa Sutikto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. She has been with Wells Fargo since 2017, including her current role at Wells Fargo Clearing since 2021. Outside of her advisory work, she is involved in a music writing venture co-owned with her spouse. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics.

Ravindranath Gondipalli is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and possessing 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he is involved in several business activities including serving as CEO and founder of Ravi Tax Preparation Services Inc., working as a realtor and mortgage loan originator, and acting as CFO and founder of Gnansoft Inc., a software consulting firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Brian Lei is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at J.P. Morgan Securities and Chase Investment Services Corp. Outside of his advisory role, he works part-time as a driver for a taxi service. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting with a focus on research-driven portfolio management.

Lesley Lemessurier is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation with nine years of industry experience. She has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Jason Degroodt is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, and prior experience at Citigroup from 2015 to 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Michael Lee is a CFP® with 19 years of industry experience currently advising clients at Edward Jones. His prior experience includes roles at Northwestern Mutual, Prudential, Merrill Lynch, Comerica Securities, and Scottrade. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Rory Wiebusch is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and over 40 years of industry experience. He has been with Merrill since 1987. Outside of his advisory role, he serves as a power of attorney for a separate entity. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily through the Select Portfolio Solutions Program. The firm serves a range of clients including individuals, high-net-worth clients, and various institutions, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Chun Yeung Tsang is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Tsang held roles at NYLife Securities LLC and New York Life Insurance Company. Outside of finance, Tsang previously worked with Automata Arts and Angeles Academy of Music. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and delegation to sub-advisers, as well as its advisory roles with registered investment companies and delivery of model portfolios for Fidelity Institutional Wealth Adviser.

Rachel Lu is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Citigroup Inc. and Lucrative Ventures. Outside of her advisory work, she is a partner involved in bookkeeping for Mckendree Assets LLC. Fidelity’s Strategic Advisers LLC, the company she is associated with, offers a range of investment management and advisory services for retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Abhishek Gupta is a financial advisor at Charles Schwab with five years of industry experience and holds the Series 66 designation. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2020. Prior to that, he worked at FutureAdvisor, Inc. and held roles at Codecademy and App Academy. 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 employs a multi-asset model portfolio approach.

Casey Winningham is a CFP® professional with 40 years of industry experience, currently serving at Cetera since 2019. Prior to this, he worked at Foresters Financial and Foresters Advisory Services for a combined 34 years. He is also the owner of Winningham Wealth Management LLC, which operates as a DBA for his Cetera business and tax reporting purposes. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and affiliated and unaffiliated managers.

Parsa Habibi is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab in 2025, he worked at CIMA Fundmaster for one year. His background includes several years of full-time education before entering the financial industry. 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 separate managed accounts and utilizes multi-asset model portfolios supported by in-house research and due diligence.