Nathaniel Weir is a financial advisor at Charles Schwab in Los Altos, CA, holding a Series 66 designation with one year of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Nugget Markets Inc., Burger Patch, and Peet's Coffee, as well as extensive experience in full-time education. 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 separately managed accounts, delivering investment guidance through multi-asset model portfolios and a centralized operational structure.

Maclan Yavuz is a Wealth Management Planning Consultant at Fidelity Investments, where he collaborates with clients, a Wealth Management Advisor, and a team of specialists to develop personalized financial plans tailored to clients' needs. He focuses on building meaningful, lasting relationships to support clients and their families. His professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2021 to 2023, then as a Relationship Manager from 2023 to 2026 before assuming his current position. Throughout his tenure, he has been engaged in comprehensive wealth management and client support. Outside of his professional work, Maclan enjoys cooking and baking, family activities, music, spending time with pets, reading, and practicing yoga.

Ryan Purpur is a financial advisor with Charles Schwab & Co., Inc. in Menlo Park, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Area Wide and was involved with Stanford Summer Camps and the Stanford Campus Recreational Association during his full-time education. 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 management supported by multi-asset model portfolios and a centralized operational structure.

Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.

Liya Lin is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 licenses and five years of industry experience. She previously worked at NYLIFE Securities LLC and New York Life Insurance Co from 2020 to 2023, and she had an earlier tenure with Wells Fargo Clearing from 2016 to 2018. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Willard Wellings is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has a long career including prior roles at Avantax Advisory Services and 1ST Global Advisors. He is also a partner at Wellings & Co., a firm he has been associated with since 1990. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and retirement services, supporting over 10,000 advisors and managing more than $256 billion in assets.

John Ogilvie is a Planning Consultant at Fidelity Investments. In his current role, he partners with clients and their Financial Consultants to support retirement planning through holistic guidance. He has experience in financial services, having held positions as a Relationship Manager and Financial Representative at Fidelity Investments, as well as internship roles in investment banking at Canaccord Genuity and private wealth management at CIBC. John holds a California Insurance License. Outside of his professional work, he enjoys attending concerts, football, music, outdoor adventures, skiing, and surfing.

Zhenzhen Huang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Joshua Park is a Series 66 licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and has prior experience at Bank of America, Merrill, and Fidelity Brokerage Services. Outside of finance, he has been involved with I.S. Kim's Martial Arts. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Mailyn Nelson is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Nelson held various roles including positions in Enterprise Mobility and university instruction. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Hank Peng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 license with six years of industry experience. His previous roles include positions at Fidelity Investments, GENRICH Family Office, and academic institutions such as the University of California, Irvine, and College of San Mateo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and investment modeling techniques.

Freddie Vidrio is a Financial Consultant at Fidelity Investments, a position he has held since 2018. He has accumulated 26 years of experience in the financial services industry, with extensive expertise in complex guidance and in-depth retirement planning. Prior to his current role, Mr. Vidrio served as an Investment Consultant at Fidelity Investments from 2012 to 2018. His career includes roles as Vice President Financial Advisor at J.P. Morgan Securities LLC from 2012 to 2013 and at Chase Investment Services Corp from 2010 to 2012. Additional experience includes serving as Financial Advisor at CUNA Brokerage Services, Inc. from 2009 to 2010 and U.S. Bancorp Investments, Inc. from 2003 to 2009. Earlier in his career, he worked as a Personal Banker at US Bank and as a Teller at Bay View Bank. Mr. Vidrio holds a California Insurance License.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

Daniel Schwartz is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Charles Schwab since 2012, including a role at Charles Schwab Bank since 2014. He is based in Menlo Park, California. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and utilizes multi-asset model portfolios supported by in-house research.

Chih Han Goh is a financial advisor with Merrill in San Leandro, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he serves as Deputy Principal at Fremont Chinese School, a weekend language school in Fremont, CA. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Colleen Erickson is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2010. Based in Palo Alto, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Lucille Denos is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds the Series 63 and Series 65 designations and has been with UBS since 2010. Outside of her advisory work, she has worked as a backup cashier in retail. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of investment products and capital markets services.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Justin Skelton is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Minnesota Life Insurance Co. and Securian Financial Services. He is involved in an outside position unrelated to investment advising based in New York. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.