Ryan Lowenstein is a financial advisor with OSAIC in San Mateo, CA, holding a Series 66 designation and five years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors Corporation for seven years and was employed at DoorDash for five years. Outside of his advisory role, he performs as a DJ at bars and events in San Francisco. OSAIC Wealth serves a diverse client base including retail investors, retirement plan participants, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and multiple investment program options.

Musetta Li is a CFP®-certified financial advisor with 27 years of industry experience, currently with J.P. Morgan Securities since 2017. She previously worked at Schwab Private Client Investment Advisory and Charles Schwab, serving in various advisory roles. Outside of her advisory work, she manages a rental property in San Francisco. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Debby Wu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 licenses and having 21 years of industry experience. She has been with J.P. Morgan Securities and its affiliated entities since 2008. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

Margaret Bussmann is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. She has been with Morgan Stanley since 2015, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs firm‑approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Chun Wong is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Securities LLC since 2016 after four years at MSI Financial Services, Inc. Outside of his advisory role, he owns rental properties managed through a local property management company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes a broader range of regulatory registrations and derivatives capabilities.

Erik Galsgaard is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 credential and has worked at Charles Schwab Bank, Charles Schwab, and Equitable Advisors. Prior to his advisory career, he was employed at Walgreens. Charles Schwab & Co., Inc. serves a large client base, 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 blend of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a formal alternative-investment program.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

Kalvin Sid is a financial advisor with LPL Financial, holding CFP®, Series 63, and Series 65 designations and has 22 years of industry experience. He previously worked at Next Financial Group Inc for 17 years and OSAIC Services, Inc. for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving 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.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at MML Investors Services and MassMutual Life Insurance Company. She has been with J.P. Morgan since 2017, including time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering access to a range of eligible investment strategies and affiliated portfolio services.

Caroline Maglio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and possessing 32 years of industry experience. Her work history includes roles at Charles Schwab Bank, TD Ameritrade, and Fidelity Brokerage Services. 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 SMAs and offers a comprehensive operational structure including custody, brokerage, and cash-sweep services.

Carlos Betancourt is a Series 66 licensed financial advisor with Morgan Stanley in Palo Alto, CA, bringing 16 years of industry experience. His prior roles include eight years at J.P. Morgan Securities and Bank of America. Outside of finance, he is involved in real estate co-ownership ventures, including Pacaso Inc. and a family trust that manages short-term rental properties. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a broad range of advisory programs and tailored financial planning services, utilizing structured planning tools and investment modeling techniques.

Ahmed Metwaly is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience at Goldman Sachs. Metwaly has also been involved with the Student Association at SUNY Plattsburgh. Charles Schwab serves a large client base, 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, multi-asset model portfolios, and a formal alternative-investment onboarding process within an integrated operational structure.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Christian Petersen is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Morningstar, Inc. and KKR, as well as positions within Charles Schwab Bank and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and integrated custody and brokerage services.

Robert Gold is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and has worked at several firms, including Woodbury Financial Services, Cetera Advisor Networks, Summit Financial Group, Stifel, Wells Fargo Clearing, and Morgan Stanley. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies and third-party money manager programs.

Gabriel Deluna is a financial advisor with J.P. Morgan Securities in San Francisco, CA, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMC BANK NA (Southwest) since 2011. 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 combines quantitative and qualitative research and includes capabilities in derivatives and commodities through its regulatory registrations and affiliations.

Kathleen Augusta is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, previously spending eight years at Morgan Stanley Smith Barney. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Joshua Fong is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018. Outside of his advisory role, he operates as an eBay seller specializing in sports memorabilia and collectibles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Darien Tung is a financial advisor with Ameriprise in Menlo Park, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, delivering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, serving clients primarily through Ameriprise-managed accounts.

James Sheffield is a CFP® professional with 29 years of industry experience, currently serving as a financial advisor at UBS Financial Services in San Francisco, CA. He has been with UBS since 1998. UBS Financial Services Inc. provides a range of brokerage and investment advisory services to individual, corporate, and institutional clients, combining institutional trading capabilities with wealth management through proprietary research, model-based asset allocations, and a variety of investment products.