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, following roles at U.S. Bancorp Investments and Citicorp Investment Services. Raroque also operates Raroque Wealth Management, where he is involved in non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

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.

Donald Mazza is a Series 66 licensed financial advisor with five years of industry experience, currently with UBS Financial Services in Palo Alto, CA since 2020. His prior work includes roles at E.K. Riley Investments, Menlo Asset Management, City National Bank, and Comerica Bank. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans according to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management, offering a wide range of capital markets, custody, and lending services.

Nora Zele is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2014, with a brief tenure at Wells Fargo Clearing. Based in Palo Alto, CA, she is currently part of a large advisory team at Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

King Tong Wong is a financial advisor with J.P. Morgan Securities in Millbrae, CA, holding Series 63 and Series 66 licenses and four years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2021 and was previously employed at Bank of America from 2018 to 2021. Outside of finance, his background includes roles at My Wireless and Fillmore Karaoke. 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. The firm’s approach incorporates an ESG eligibility framework and primarily offers asset-based fee programs with a focus on non-discretionary advisory services.

Vijaylakshmi Shetty is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2011, with prior experience at TIAA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adriana Maria Da Cruz is a financial advisor at Morgan Stanley with nine years of industry experience. She has previously worked at UBS Financial Services Inc. for eight years before joining Morgan Stanley in 2025. She holds a Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

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 financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill and Bank of America since 2014 and was previously employed at Wells Fargo Clearing and Wells Fargo Investments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individual, high-net-worth, and institutional clients. The firm integrates trading, account administration, and custody support with a focus on both strategic and tactical asset allocation.

Michael Abrams is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes tenures at Wells Fargo Clearing and Wells Fargo Advisors before joining Ameriprise in 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.

Frank Almendarez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Michael Anki is a financial advisor at J.P. Morgan Securities with one year of industry experience. He previously worked at First Republic Bank for six years and Andersen Tax for four years. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Patrick Cross is a CFP® and ChFC® with 21 years of experience in financial advising. He has been with Edward Jones since 2004. Outside of his advisory work, he is a landlord of a rental property in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors.