Raymond Carlisle is a financial advisor at Thrivent Investment Management with 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as a board member for the Birch Lakes Owners Association, overseeing common areas for commercial office properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based planning across various topics, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Gino Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He brings over 8 years of experience in the securities industry, including his previous role as a Private Client Advisor at J.P. Morgan. In that capacity, he specialized in assisting affluent bank clients by offering tailored solutions for complex personal and business financial needs through Wealth Management Platforms. Gino focuses on providing personalized advice grounded in financial analysis, aiming to help clients meet their short- and long-term goals. His expertise covers areas such as employee benefits planning, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategy. Gino holds a Bachelor of Science in Commerce from the University of Santo Tomas and the Personal Investment Advisor (PIA) designation. Outside of his professional commitments, Gino resides in San Francisco with his wife Alma and their two children. He enjoys playing golf, reading, and spending time with his family. Additionally, he participates in community activities, reflecting the tradition of community involvement upheld by Merrill.

Vincent LaRocca is a Planning Consultant at Fidelity Investments. He collaborates with clients to design financial plans that align with their unique goals and aims to empower them to make informed decisions by building a roadmap together towards financial success. Vincent has held several roles within Fidelity Investments, including Planning Consultant since 2024, Relationship Manager in 2024, and Financial Representative from 2023 to 2024. He holds a California Insurance License.

Aaron Peabody is a financial advisor with Raymond James Financial holding a Series 66 designation and 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2023 and was previously with Summit Financial Group and Securian Financial Services. Peabody also serves as a broker for fixed insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work, along with specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Leo Meneses is a Senior Financial Advisor at Merrill Lynch Wealth Management. He offers a comprehensive approach to wealth management that begins with understanding a client's family, financial situation, and priorities. Leo helps clients develop customized strategies that are adaptable to changing needs and market conditions, utilizing investment insights from Merrill and banking services from Bank of America. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income planning. Leo holds a Bachelor's Degree from San Jose State and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Leo is involved in the community as a Millbrae Recreation Baseball Coach. He enjoys spending time with his family and engaging in activities such as baseball, biking, football, hiking, reading, running, swimming, traveling, and watching movies.

Jessica Chan is a CFP® with 11 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to her advisory role, she is a part-time instructor teaching personal financial planning courses at UC Berkeley Extension. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses technology-based analysis tools and offers specialized planning programs including estate settlement and employer-sponsored planning.

Scott Levaggi is a financial advisor with Merrill in San Mateo, CA, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He has been with Merrill since 2008. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Jacob Rabin is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Carbahal and Company, and Upwelling Capital. 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 and analytics.

Lisa Rose is a financial advisor with UBS Financial Services in San Mateo, CA, holding the Series 66 designation and bringing 23 years of industry experience. She has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to client goals and risk tolerances.

Mathew Mcclain is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Investments, LLC from 2003 to 2011. 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 Wells Fargo Investment Institute and third-party sources.

Calvin Shiu is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63 and 66 licenses. He has 24 years of industry experience, including prior roles at Morgan Stanley Private Bank and Uvest Financial Services Group. Outside of finance, he owns and operates an online coffee K-Cup sales business based in Santa Clara, California. 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 both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Denise Freedman is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets, Inc. since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.

Jack Hsia is a financial advisor with Wells Fargo Advisors and holds a Series 66 credential. He has 22 years of industry experience, having worked previously at Merrill, Wells Fargo Clearing, Banc of America Investment Services, and Ameriprise. Outside of advising, he has ownership interests in a manufacturing company, Union Tech Co, LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop recommendations delivered through meetings and written summaries.

Faizan Bilal Habib is a Series 66-credentialed financial advisor with three years of industry experience. He has worked at Wells Fargo Clearing since 2025 and previously held positions at Bank of America, Merrill, and several banks in the Middle East. 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 solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Pierre Andre Volpe is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Hallmark Aviation Services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Xiao Zhou is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. Zhou has been with Wells Fargo Bank, N.A. since 2003 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Brandon James is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Charles Schwab since 1997 and Charles Schwab Bank since 2008. Outside of his advisory work, he owns a rental property managed by its residential HOA. Charles Schwab 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 discretionary separately managed accounts, using multi-asset model portfolios and a structured approach to alternative investments.

James Marguet is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 43 years of industry experience. His career includes long tenures at Citigroup Global Markets and Morgan Stanley Smith Barney, currently serving at Morgan Stanley Private Bank. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and strategies.

Lou Chien Huang is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Citigroup, Thrivent Investment Management, and United Air Lines over a seventeen-year period. Huang is based in San Ramon, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The program combines quantitative and qualitative research supported by a centralized manager solutions team and includes broader capabilities such as derivatives and commodities advisory.