John Froman is a Series 66-licensed financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Bank of America, N.A., and Merrill since 2016. J.P. Morgan Securities LLC 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 investment recommendations.

Matthew Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Advisors since 2012. Outside of his advisory role, Montini serves as a notary public. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Maninder Budwal is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2025 and also has a longstanding role at Patelco Credit Union since 2010. 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, and brokerage services with both discretionary and non-discretionary management options, supported by proprietary and third-party research.

Barbara Erickson is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Erickson serves on the investment committee of the Grace Lutheran Church endowment in Palo Alto, reviewing investment results and grant requests. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Samuel Lacy is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and one year of industry experience. His prior roles include work at Donnie Ayers LLC and prior stints with Morgan Stanley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools, with clients responsible for plan implementation and updates.

Andrew Andrikopoulos is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Ameriprise since 2011. Outside of his advisory role, he is a co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jaz Lail is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Jaz served as a Planning Consultant at Fidelity Investments from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Financial Representative from 2021 to 2023. Jaz focuses on holistic planning, aiming to empower individuals and families to work towards their financial well-being by integrating financial expertise with an understanding of clients' values and aspirations. Jaz holds a California Insurance License, supporting their professional capabilities in financial consulting. Outside of work, Jaz has interests in cars, concerts, fitness, outdoor adventures, pets, and snowboarding.

Kunjie Ou is a financial advisor at Charles Schwab in Cupertino, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo, where he worked for a total of 19 years. 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 mix of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence from its research center.

Davinder Gupta is a financial advisor with Edward Jones in Los Altos, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Edward Jones, he held positions at Prudential Insurance Company of America, Woven By Toyota, Roche, and Adobe Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and pension plans. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Yupeng Yang is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2020, Yang worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2019 to 2020, and at Bank of America from 2017 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning that incorporates firm-approved tools and market outlook models.

Richard Lewis is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and four years of industry experience. He has been with Mass Mutual Investors Services since 2020 and has over a decade of experience with MassMutual Life Insurance Company and EVCO Insurance Services Inc., where he also works as a sales agent specializing in individual and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, educational seminars, and specialized services including divorce planning, estate settlement, and employer-sponsored programs.

Joanne Cirocco is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Seyednaser Mousavi is a financial advisor with Merrill based in San Jose, CA, holding the Series 66 designation and four years of industry experience. He previously worked at Bank of America for nine years and briefly at Bank of the West. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Daniel Ayala Jr. is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank since 2007, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is based in Los Gatos, CA. 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 advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daryl Dehn is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients as part of one of the top teams in Silicon Valley. In this role, he works closely with individuals to help them achieve financial independence by developing personalized financial strategies tailored to their unique goals. Daryl emphasizes honesty, transparency, and fairness throughout his advisory process, leveraging the resources and insights of Merrill and Bank of America to provide comprehensive wealth management solutions. His expertise spans a broad range of client focus areas, including college education planning, equity compensation services, family wealth management, retirement income, and services for defined benefit plans. Daryl collaborates with clients to translate their aspirations into specific investment objectives and actively manages portfolios designed to pursue long-term financial success. Daryl holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Valley Christian. He is involved in community organizations such as HRC and the LGBT Youth Center, reflecting his commitment to giving back and supporting the communities he serves. Outside of his professional work, Daryl enjoys biking, boating, hiking, horseback riding, ice hockey, music, running, and spending time with his family.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is involved in spiritual development education as a teacher and author, operating several related ventures focused on energy healing and product creation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, utilizing structured planning tools and scenario modeling to support client goals.

Michael Ngo is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade in various roles since 2016. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Mark Beach is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory role, he owns a for-profit investment business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager research, and customized performance reporting through a non-discretionary program. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a comprehensive range of advisory and brokerage services.

Michael Craig is a financial advisor at Merrill with 42 years of industry experience. He holds a Series 63 designation and has worked at Merrill since 1983, including tenure at Bank of America since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

William Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, California, holding a Series 66 credential with four years of industry experience. Prior to his current role, he spent six years at Los Gatos High School and has been affiliated with the University of Colorado since 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.