Kathy Tabrizi is a financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Vallapuzha Sandhya is a financial advisor at Edelman Financial Engines with 12 years of industry experience. She holds a Series 65 designation and has been with Financial Engines Advisors L.L.C. since 2011. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Gia Luu Phan is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill, Phan worked at Bank of America, J.P. Morgan Securities, and JPMorgan Chase Bank. Additionally, Phan has been affiliated with Mission College since 2021. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Nathan Walsh is a Series 66 registered financial advisor with Charles Schwab in Menlo Park, CA, and has four years of industry experience. His career includes roles at Charles Schwab Bank, NYLIFE Securities LLC, and New York Life Insurance Company. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options, as well as integrated brokerage, custody, and financial planning services.

Runtao Liu is a financial advisor at Merrill with Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and positions outside the financial industry such as with Shanghai Flavor and the American Academy of English. 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 for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Irene Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and corporate financial planning agreements.

Troy Okumura is a CFP®-designated financial advisor with Ameriprise, based in San Jose, CA, and has 13 years of industry experience. He previously worked at Kestra Advisory Services, LLC, and Transitions Wealth Advisors. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Jo Laurie Schmeltzer is a financial advisor at LPL Enterprise with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at firms including The Prudential Insurance Company of America and Cetera. Outside of her advisory role, she is also licensed as a realtor with BRG Realty. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation using portfolios developed by LPL’s Research Department and third-party strategists, while also offering access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Mercedes Landaverde is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Bank from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ryan Walsh is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial planning and investment advisory services as part of his role. Additional details about his experience, expertise, education, credentials, personal interests, or community involvement have not been provided.

Arshia Zahabi is a financial advisor with LPL Enterprise, holding a Series 66 license and 11 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked with Prudential Insurance Company of America and Pruco Securities, LLC. Zahabi is also the owner of A Zahabi Management Inc, a tax preparation and advisory business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and a range of affiliated trust and insurance services.

Ted Cocoles is a Series 66 licensed financial advisor with 16 years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank SSB, having previously worked at TD Ameritrade, Inc. Outside of his advisory work, he serves as President of the San Jose chapter and Treasurer of District 6 of the Pan Cretan Association of America, a nonprofit organization promoting Cretan culture and history. 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 offers a distinctive operational structure that includes centralized custody and supervision.

Francisco Reyes IV is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. He has held positions at Bank of America, Merrill, Drivetime, Chewy.com, Farmers Insurance, Enterprise Rent-A-Car, and Benedictine University at Mesa. Outside of his advisory work, Reyes is a clerk at a convenience store where he handles cashiering, stocking, and customer service duties. 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 delivers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Dinesh Sawal is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its related entities since 2005. Sawal serves on the Board of Directors and acts as Treasurer for the Alameda County Library Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Weiheng Zhang is a CFA® charterholder and holds a Series 66 license with nine years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Merrill, Bank of America, and Beijing Fengpei Fund LLC. He is based in Los Altos, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG considerations within its recommended strategies.

William Beaufore is a Series 66 licensed advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab, his background includes roles in food service and hospitality as well as entrepreneurial involvement with BLK Earth Sea Spirits. 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’s integrated structure combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment products.

Riley Krook is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2019 and 2020, respectively. Before joining Morgan Stanley, he spent time at Stonerise Capital Partners and Sam's Chowder House. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and emphasizes advisory services supported by its Global Investment Committee’s analyses.

Dao Nguyen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 66 and Series 63 credentials and bringing 10 years of industry experience. His previous roles include positions at Citibank, Wells Fargo, Guaranteed Rate, and Loan Depot. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Kosin Cheng is the Vice President and Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2024. He is a CERTIFIED FINANCIAL PLANNER™ with extensive experience in financial services, focusing on providing strategic wealth management guidance to families. Kosin serves as a strategist, educator, and thinking partner, collaborating closely with clients to define priorities and make informed decisions centered on thoughtful planning and disciplined execution. Kosin has held several positions at Fidelity Investments since 2005, including Vice President Executive Planning Consultant, Vice President Financial Consultant, Account Executive, Financial Planning Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at US Bank and as a Customer Associate at CIBC. He holds a California Insurance License, supporting his expertise in financial planning and wealth management. Outside of his professional commitments, Kosin's interests include art, food, hiking, movies, pets, and traveling.

Meredith Westerman is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 14 years of industry experience. She previously worked at UBS Financial Services for 10 years before joining Morgan Stanley in 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process without offering individual security recommendations as part of its standalone planning services.