Todd Freeman is a CFP® and ChFC® with 48 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005. Outside of his advisory work, he collects comic art and participates in conventions related to this hobby. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using a variety of portfolio management and model-based solutions.

Ajanta Basak is a financial advisor with Merrill in Foster City, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill and Bank of America since 2011. Outside of her advisory role, she serves as a board member and fundraising volunteer for the Chitresh Das Institute, a nonprofit organization in San Francisco. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Grace Liang is a financial advisor with MassMutual Investors Services in San Francisco, CA, holding the ChFC® designation and securities licenses Series 63 and Series 65. She has 36 years of industry experience and has worked with MML Investors Services LLC and Mass Mutual Financial since 2005. In addition to her advisory role, she is involved in insurance sales and services. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Amy Cook is a CFP® professional with 17 years of industry experience, currently advising at LPL Financial since 2021. Her prior roles include founding Antique Typewriters and authoring a children's book series and a financial book, in addition to operating JFM Planning Services Inc. and engagement with the San Mateo Chamber of Commerce. Amy's outside activities also encompass publishing and authorship related to personal finance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutions. The firm offers diverse advisory programs and portfolio management options supported by in-house and third-party research.

Ray Wai Man Chan is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2017 and has a background that includes Bank of America, Wellspring Realty, and Chinese Hospital. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

Victoria Watson is a financial advisor with Edward Jones in Alameda, CA, holding a Series 66 designation and 16 years of industry experience. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Vega Huen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. Prior to joining LPL Financial in 2024, Huen worked at Wells Fargo Bank, CitiBank, and Wells Fargo Advisors in various roles between 2013 and 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Man Shing Wong is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2010. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

PJ Rich is an Investment Consultant with experience in wealth management and financial advisory roles. He has worked as a Financial Solutions Advisor at Bank of America Merrill from 2024 to 2026 and as a Wealth Management Associate at Equitable Advisors from 2023 to 2024. He holds a California Insurance License. PJ believes that successful financial planning starts with understanding the individual goals and values of each client. He emphasizes building lasting relationships based on trust, transparency, and personalized guidance to help clients make informed financial decisions throughout different stages of life. Outside of his professional work, PJ has interests in beach activities, fitness, golf, hiking, skiing, and traveling.

Ronnie Raroque is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 63 designation and 33 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he engages in insurance activities as a writing agent under Raroque Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and multiple portfolio management options.

Reed Sparling is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked as a contractor for Wells Fargo through Randstad and held positions at IEH Laboratories, Joey Kitchen, and the University of Washington. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Christopher Patten is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with less than one year of industry experience. His prior background includes roles at SESLOC Credit Union, Cal Poly Associated Students, Inc., and various positions related to education and outdoor activities. 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 offers a combination of non-discretionary advisory recommendations and discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Paulina Wong is a CFP® with 14 years of industry experience, currently advising at Charles Schwab & Co., Inc. in San Bruno, CA. Her prior roles include positions at Morgan Stanley, JP Morgan Securities, JP Morgan Chase Bank, and Neuberger Berman. Outside of finance, she has experience working with Corepower Yoga for two years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 separately managed accounts and employs a multi-asset model portfolio approach with centralized supervisory and custody arrangements.

Weina Hou is a financial advisor at Ameriprise with 15 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at East West Bank, Cetera, and Bank of America. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement-income planning through a combination of proprietary research, third-party data, and algorithmic tools.

Chiu Ni Wang is a financial advisor at LPL Financial in San Francisco, CA, with 31 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for 11 years. She is also involved in accident and health, life, and variable insurance activities. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Donald Mazza is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at E.K. Riley Investments, Menlo Asset Management, City National Bank, and Comerica Bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary market assumptions and research to tailor plans based on client goals and risk tolerance. The firm combines institutional trading capabilities with wealth management services and provides a broad range of financial solutions including advisory, custody, underwriting, and capital markets services.

King Tong Wong is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked previously at Bank of America, as well as in non-financial roles at My Wireless and Fillmore Karaoke. 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 applying an ESG eligibility framework in its recommendations.

Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Bothwell is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Bothwell is currently based in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Tommy Sajutie is a Series 66 licensed financial advisor with 18 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2014. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.