Jeffrey Phillips is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.

Royce Stewart is a financial advisor with LPL Financial in Redwood City, CA, holding Series 63 and Series 66 designations and 36 years of industry experience. He previously worked at SagePoint Financial, Inc. for 10 years prior to joining LPL Financial in 2019. Outside of his advisory role, he holds a director position at Armanino LLP and is employed by Verizon Enterprise Solutions in a non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Meenakshi Saxena is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo in various capacities since 2003, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Duffy is a financial advisor at Edward Jones with 33 years of industry experience. He has been with Edward Jones since 1992 and holds Series 63 and Series 66 designations. Outside of his advisory role, he serves on the Lay Pension Board, Investment Committee, and Finance Council for the Diocese of San Jose, overseeing and reviewing the management of their investment pool. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm operates a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, tax-efficient services, and affiliated investment products under a fiduciary standard.

George Lu is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Ameritas Insurance Corp., and Ameritas Advisory Services, among others. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karim Nalbandy is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2012. 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 discretionary separately managed accounts and offers a multi-asset investment approach backed by centralized custody and operational support.

Davion Chaidez is a Series 66 licensed advisor at Wells Fargo Clearing with two years of industry experience. He has been with Wells Fargo Clearing since 2023 and previously worked at Wells Fargo from 2016 to 2020. Outside of his advisory role, he owns a rental property in Spokane, Washington. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Jonathan Barr is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He previously worked at Transamerica Financial Advisors and Wfg before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with access to model portfolios, research, and technology-driven investment strategies.

David Cruz Castellanos is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2015, with a brief employment gap from 2017 to 2018. Based in San Jose, CA, he currently serves clients through J.P. Morgan Securities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Herminia Ojeda is a Series 66 licensed financial advisor with Ameriprise in San Jose, CA, and has 20 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Outside of her advisory role, she manages a personal individual 401(k) through a pass-through entity. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Ajay Kirpekar is a Series 66 licensed financial advisor with Edward Jones in Saratoga, California, and has one year of industry experience. Prior to joining Edward Jones in 2023, he worked at Principal Financial, University of California, Northrop Grumman, and RiversideRE. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

Todd Duncan is a CFA® charterholder and holds a Series 66 license with three years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA. His prior experience includes roles at First Republic Securities Company, Wells Fargo, and Enterprise Trust and Investment Company. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Angelo San Mateo is a CFP® with 10 years of industry experience, currently advising at Charles Schwab. His prior work includes roles at JP Morgan Chase Bank and TD Ameritrade Investment Management. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advisory and discretionary separately managed accounts. The firm combines integrated brokerage, custody, and advisory services with a multi-asset investment approach and access to alternative investments.

Paul Peterson is a financial advisor at J.P. Morgan Securities with 27 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at TD Ameritrade and JPMorgan Chase Bank. 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.

Matthew Hagen is a financial advisor at Fisher Investments with 19 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2006. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Kiff Chui is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Merrill, Comerica Bank, East West Bank, UnionBanc Investment Services, and MUFG Union Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options.

Zhou Chen is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by the Global Investment Committee’s analyses.

Jacinda Rabine is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to her current role, she held various positions including work at Bistro 234 and Milc Group, as well as experience with California Polytechnic State University. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process.

Haotian Xie is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2022. Prior to his financial services career, he was affiliated with Plug and Play Tech Center and held roles associated with Hult International Business School, Columbia University, and the University of California, San Diego. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services through a large network of financial advisors.

Sang Hyun Kim is a financial advisor with Morgan Stanley based in San Jose, CA. He holds a Series 66 designation and has three years of industry experience. Prior to joining Morgan Stanley, his work history includes roles at Microsoft, Robert Half, CBRE, and several restaurant positions. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured processes and firm-approved planning tools.