Andreas Kuehle is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with Wells Fargo entities since 2011, including five years at Wells Fargo Advisors LLC and ten years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines extensive research and analytics with a broad product platform, offering both brokerage and advisory solutions through a large network of financial advisors.

Mark Gronert is a financial advisor at Thrivent Investment Management with 38 years of industry experience. He has been with Thrivent and its related entities since 2002 and holds a Series 66 designation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option, while maintaining separate planning and portfolio management services.

Ryan Kanetoku is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process includes structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jennifer Smith is a Financial Consultant currently working with Fidelity Investments since 2024. She has extensive experience in the financial services industry, having previously served as a Senior Wealth Management Associate at UBS Financial Services from 2020 to 2024, and as Vice President - Financial Advisor at Morgan Stanley from 1994 to 2020. Her professional approach involves understanding clients' goals, values, and lifetime aspirations to develop holistic financial plans. She emphasizes the importance of regular plan reviews to accommodate any changes in clients' circumstances. Jennifer holds a California Insurance License. Outside of her professional career, Jennifer enjoys cooking and baking, participating in family activities, exploring culinary interests, attending social events with friends, listening to music, and traveling.

Matthew Pencer is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and seven years of industry experience. Prior to his current role, he worked at The Mountain Winery for four years and operated Pencer Instrument Care for ten 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. Schwab offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Pamela Flournoy is a CFP®-designated financial advisor with LPL Financial in San Jose, CA, bringing 22 years of industry experience. She has worked with LPL Financial since 2007 and previously spent three years at Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Nathaniel Chun is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has two years of industry experience and previously worked at Prudential and Pruco Securities LLC. Outside of his advisory role, Chun is also employed with IHSS, providing caretaking and related services. LPL Enterprise, LLC serves a diverse client base including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, offering financial planning, third-party asset management, and brokerage services through a wide network of investment adviser representatives.

Theodore Moorhead is a financial advisor at RBC Capital Markets with 35 years of industry experience. He holds the ChFC® designation and securities registrations including Series 63 and Series 65. Prior to joining RBC in 2024, he worked at Bank of America and Merrill. Moorhead serves on the boards of Bay Area Housing, Inc. and the Morgan Autism Center. RBC Wealth Management serves individual, institutional, pension, corporate, and charitable clients, offering customized advisory programs with discretionary and non-discretionary portfolio management and financial planning services. The firm utilizes a blend of in-house and third-party investment managers and provides integrated capital markets and affiliated asset management capabilities.

Gregory Lindahl is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 designation and with 18 years of industry experience. He has been with LPL Financial and its affiliated entities since 2006. In addition to his advisory role, he spends part of his time providing tax consulting related to retirement and college savings through a separate tax planning business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Amir Enayati Shariat Panahi is a financial advisor at Wells Fargo Clearing with three years of industry experience. He previously worked at Bank of the West for seven years before joining Wells Fargo in 2023. Outside of advisory services, he co-owns and manages a real estate business with his spouse in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through a large network of financial advisors.

Masataka Scanlan is a financial advisor with Mass Mutual Investors Services in San Jose, CA. He holds a Series 66 designation and has been in the industry since 2023, with prior experience in businesses including Superstars of Sports, Inc. and Card Shop Live, Inc. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of specialized planning programs.

Grace Ma is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2012, with prior roles at Wells Fargo Clearing, Charles Schwab, and TD Ameritrade. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

Anh Nguyen is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Nguyen held roles at J.P. Morgan Securities, JP Morgan Chase Bank, Wells Fargo, and Bank of America. Outside of finance, Nguyen is involved in providing manicure services as a part-time activity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Alan Williamson is a financial advisor with Equitable Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has worked at Equitable Advisors since 2006, with prior experience at Axa Advisors and Osaic FA, Inc. Outside of his advisory role, he serves as an ecclesiastical leader for The Church of Jesus Christ of Latter-day Saints and acts as an administrator or executor of estates and trusts. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of investment programs, including third-party and LPL-sponsored advisory models, focusing on matching client needs with appropriate program models or discretionary managers.

River Li is a CFP® professional with 11 years of industry experience, currently affiliated with Morgan Stanley in Cupertino, CA. His prior experience includes roles at Wells Fargo and Charles Schwab. Outside of his advisory work, he is involved in property management as a sole proprietor of a real estate business. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process.

Wansha Zhao is a financial advisor at J.P. Morgan Securities with Series 66 credentials and one year of industry experience. Prior to joining J.P. Morgan, Zhao worked at MassMutual for seven years and has held roles at CreditEase Investment Consulting and LPL Enterprise. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary approach. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Thomas Fritze is a ChFC® with 27 years of experience in the financial services industry. He has been with MassMutual Investors Services since 2005 and has also been involved in life and health insurance sales through Creekside Insurance since 1995. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to develop collaborative, written recommendations tailored to client goals.

Mark Taylor is a financial advisor at LPL Enterprise with one year of industry experience and holds the Series 66 designation. Prior to joining LPL Enterprise in 2025, he worked for Quest Software from 2016 to 2024 and Dell from 2010 to 2016. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, employer-sponsored retirement plans, and various institutional entities. The firm’s investment approach is model-driven, using portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and financial planning services.

John Kettmann is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career as a Financial Advisor in 1991 and has since developed experience focusing on the 401(k) marketplace, investment management, tax minimization, and retirement assets and services. John works to craft strategies that help clients build, manage, and preserve wealth for both current and future generations. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) credentials. John earned his Bachelor's Degree from Santa Clara University and his Master's Degree from Golden Gate University.

Carl Schreiber is a financial advisor with Charles Schwab in Campbell, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His prior experience includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, Bank of America, and Merrill Lynch. Outside of finance, he is also an actor with a sole proprietorship in the entertainment industry that remains open for residual income but is not active during market hours. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to discretionary managed accounts, supported by a large-scale, integrated operational platform.