Chadwick Suntay is a financial advisor with OSAIC based in Milpitas, CA, holding the CFP® and ChFC® designations with 25 years of industry experience. He previously worked at Securities America Advisors, Inc. for 15 years and has owned BeaconPath Wealth Management since 2001, where he conducts insurance sales and risk analysis as part of comprehensive financial planning. In addition to his advisory work, Suntay serves as a project manager and business analyst for the City and County of San Francisco Public Works IT department. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios managed on discretionary or non-discretionary bases.

Lawrence Delano is a CFP® professional with 39 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a broad range of brokerage and advisory solutions.

Tamara Forte is a financial advisor at Wells Fargo Clearing in Palo Alto, CA, with 21 years of industry experience. She has held positions at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009 and holds Series 63 and Series 65 designations. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Sharon Juang is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with UBS Financial Services since 2013. Outside of her advisory role, she is involved in real estate ownership alongside her husband. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering access to proprietary research and a broad range of capital markets solutions.

Dina Artzt is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, having previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Hoa Kha is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021, with prior experience at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, he is planning an e-commerce sole proprietorship selling used clothes, collectible dolls, and Funko Pop items through social media platforms. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation process combined with centralized due diligence and an ESG eligibility framework. The firm’s advisory services are delivered on a non-discretionary basis and include access to a broad range of funds and strategies approved through internal review.

Erin Walsh is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill in 2025, she worked at Bank of America, N.A., and held roles at Data Axle, Aviva Stadium, Boston College, Avenir Restaurant Group, and Saint Francis High School. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Miller III is a financial advisor at Merrill with Series 66 credentials and three years of industry experience. Before joining Merrill, he worked at T-Mobile for eight years and Foothill College for five years. Outside of his advisory role, he provides mobile notary public services and works as an independent contractor for Amazon Flex, DoorDash, and Lyft in the Bay Area. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Barbara Madden is a financial advisor at Ameriprise in Mountain View, CA, holding a Series 66 designation with 24 years of industry experience. She has worked at Ameriprise since 2001, including her current role since 2020, and previously spent 13 years at Mission College. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm provides written Recommendation Reports addressing income sources, Social Security claiming options, and tax-efficient withdrawal strategies, combining research, modeling, and advisory support through a centralized consulting team.

Darren Bado is a CFP® with five years of experience in financial advising. He is currently with Ameriprise and has previously worked at Bordeaux Wealth Advisors, Kestra Advisory, and Transitions Wealth Advisors among others. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research, third-party data, and algorithmic tools to provide tailored recommendations.

Gerald Del Rosario is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and has been with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and based on modern portfolio theory, serving clients with tailored strategies that include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Sameera Gupta is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over 20 years of experience in the financial services industry, having held senior executive roles with global organizations including Wachovia/Wells Fargo, Visa Inc., and Western Union. Sameera leverages her extensive background in developing and launching financial products across multiple continents to assist individuals, small businesses, and senior corporate executives with complex wealth management needs such as concentrated stock options, deferred compensation, and estate planning. Sameera holds a Bachelor's and a Master's degree from the University of Allahabad and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). Fluent in English, Hindi, and German, she has a global perspective shaped by her experience living and working on four continents. Her client focus areas include personal retirement planning, executive compensation, college education planning, legacy planning, tax minimization, and retirement income strategies. In addition to her professional work, Sameera supports nonprofits that benefit families and communities, including Minds Matter. She resides in Los Altos with her husband and enjoys interests such as boating, cooking, gardening, hiking, yoga, and spending time with her family. Sameera previously served as a board member of the Economic Development Council at the Metro Denver Chamber.

Michael Lipkins is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2012, with prior experience at First Tech Federal Credit Union. Lipkins is also involved with Phases Financial Group, a financial advisory support company he owns. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary advice supported by analytical modeling and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Michelline May Padilla is a Series 66-licensed financial advisor with 12 years of industry experience. She is currently with Morgan Stanley and has previous experience at J.P. Morgan Securities, HSBC Securities USA, and Wells Fargo. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Charles Corley is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. 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 provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Terry Mckee is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Michael Woods is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Wells Fargo Bank and Wells Fargo Clearing Services since 2017, as well as prior positions at BrightPlan, LLC and Prumentum Group. He was also briefly involved with Woods Asset Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

David Foguet is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, following seven years at MetLife Securities Inc. In addition to his advisory role, he provides financial and tax planning services as a Certified Public Accountant. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved analytical tools and structured, collaborative client relationships.

Craig Rosenblatt is a financial advisor with Cetera, holding a Series 66 designation and over 23 years of industry experience. He has been with Cetera and its related entities since 2013 and operates his own financial planning and advisory business under the name Rosenblatt Advisors. Rosenblatt is also a licensed CPA providing tax preparation and advice and is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Warren Cheung is a financial advisor with UBS Financial Services in Castro Valley, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm also operates with institutional trading capabilities alongside wealth management services.