Robert Couse is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. He previously worked at New York Life Insurance and NYLIFE Securities LLC for 11 years before joining Mass Mutual in 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements utilizing proprietary software and offers event-driven planning programs including estate settlement and employer-sponsored plans.

Benjamin Sowards is an advisor with LPL Financial based in Campbell, CA, with one year of industry experience. He has been co-owner of the Sowards Law Firm since 2009. Outside of financial advising, he is involved in legal marketing and management through a firm he established, as well as co-owning business entities related to those efforts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Ryan Cole is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include seven years at Fisher Investments and combined positions at Wells Fargo bank and Wells Fargo Clearing. He has been with Morgan Stanley and its private bank since 2025. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Ho Yu Liu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2022, Mr. Liu worked at several financial institutions including Bank of America, Citibank, J.P. Morgan Securities, and Bank of The Orient. He also gained experience outside finance with roles in engineering and construction firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by structured discovery processes and proprietary modeling tools.

Fred Abajelo is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2019, following roles at Cetera and Technology Credit Union. His outside activities include involvement with Tech Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions with a broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Deborah Mckellar is a financial advisor at Ameriprise with 42 years of industry experience. She has been with Ameriprise and its affiliated entities since 2009 and holds Series 63 and Series 65 licenses. In addition to her advisory work, she has been involved in independent insurance brokering, including fixed annuity products with several providers. 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 recommendations and ongoing planning focused on income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Stuart James is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has worked with Wells Fargo since 2016 and previously spent six years at Prudential Equity Group, LLC. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party databases.

Monica Lomeli is a financial advisor with Wells Fargo Clearing in Fresno, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2019 and has been with Wells Fargo Bank, N.A. since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with services tailored to plan objectives and risk tolerances, and it acts as an ERISA fiduciary when providing investment advice.

Wendy Ehrlich is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has worked with JPMorgan Chase Bank, N.A. and related entities since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with a non-discretionary advisory approach supported by centralized due diligence and a combination of quantitative and qualitative research.

Yuenman Mak is a CFP® professional with 28 years of industry experience, currently affiliated with LPL Financial since 2009. His prior work includes roles at Strategic Wealth Advisors Group, Associated Planners Investment Advisory Inc., Associated Securities Corp., Cetera Wealth Services, Pension Planners Securities, and MSI Financial Services. He is also involved in insurance activities through Polaris Advisory, Inc., selling various non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, 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, supported by a large network of investment adviser representatives.

Maureen Fong is a financial advisor at Merrill with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1985, also working with Bank of America since 2009. Outside of her advisory role, she is the treasurer for the Cinnabar Hills Ladies Golf Club, where she assists with bookkeeping and budgeting. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Huong Giang Nguyen is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to joining J.P. Morgan Securities in 2024, Nguyen worked at Bank of America and several other financial institutions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG eligibility frameworks and a range of derivative capabilities.

John Lee is a CFP®-designated financial advisor with 14 years of industry experience, currently with Edward Jones in Los Altos, CA. His previous roles include positions at Facet, Cerity Partners, Mariner Wealth Advisors, and several other firms. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Mengjia Gu is a Planning Consultant at Fidelity Investments, where she collaborates with advisors to ensure clients receive a superior experience and a smooth planning process. She aims to partner with clients to understand their unique situations and co-create financial plans designed to improve their lives. Mengjia has been with Fidelity Investments since 2019, progressing through roles including Financial Representative, Relationship Manager, and currently Planning Consultant. Prior to Fidelity, she held positions as a Registered Representative at Western & Southern Life from 2017 to 2019 and as a Financial Professional at AXA Advisors, LLC from 2015 to 2016. She holds a California Insurance License.

John Cole is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Outside of his advisory work, he is the sole proprietor and owner of Calidus Vineyard, an agricultural business in Calistoga, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and scenario modeling.

Andreas Kuehle is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC and Banc of America Investment Services, Inc. He is based in San Jose, California. 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 manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

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 eight years of industry experience. His work history includes positions at Charles Schwab Bank and Charles Schwab since 2018, as well as prior roles at The Mountain Winery and Pencer Instrument Care. 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 and discretionary investment guidance, utilizing multi-asset model portfolios and due diligence on alternative investments.