Curtis Ko is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. He holds a Series 66 designation. 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 IPS-driven approach is grounded in modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Rajesh Cheethirala is a financial advisor with LPL Enterprise, holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, New York Life Insurance Company, and MassMutual Life Insurance Company. Outside of his advisory work, he is the president and owner of TOGO's Baskin-Robbins in Redwood City, CA. LPL Enterprise serves a broad client base including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, advisory services, and access to a variety of investment and insurance products through an integrated platform.

Christian Tice is a CFP® with 47 years of industry experience, currently affiliated with LPL Financial. He has been a financial advisor since 2000 and associated with LPL Financial since 1983. Outside of his advisory role, he has experience in non-variable insurance and mortgage/real estate services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and various technology-driven strategies.

Michelle Yeh is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a career in the financial services industry beginning in 2003, she brings over two decades of experience to her role, offering a comprehensive approach to wealth management. Michelle focuses on helping clients pursue their long-term financial goals by developing personalized strategies tailored to their needs. Her expertise spans college education planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Michelle holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of California system and an MBA from Santa Clara University. Based in the Bay Area, Michelle is fluent in Mandarin, English, and Chinese. Outside of her professional work, she enjoys cooking, gardening, rock climbing, running, spending time with family, tennis, watching movies, and practicing yoga. She also dedicates time to volunteering with community organizations, reflecting her commitment to the communities she serves.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Keith France is a financial advisor with Cetera in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at BMO Harris Financial Advisors and M&I Financial Advisors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Scott Rogers is a financial advisor with Wells Fargo Clearing in Fremont, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Laguna is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. She has also been associated with Wells Fargo Bank NA since 1999. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ophelia Swen is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. She has previously worked at LPL Financial LLC, Cairn Wealth Advisors, KeyCon, HRC Fertility, and Corinthian Parking Services, with a total of several years of diverse experience. 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 recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Pickett is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual 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.

Spencer Crume is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 11 years of industry experience. He previously worked at Merrill and Bank of America from 2016 to 2024. Outside of his advisory role, Crume serves as Treasurer on the Board of Directors for the Dominus Sports Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers the Ameriprise Premier Retirement Income service, which provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Sarah Delaney is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She previously worked at Merrill from 2014 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Jennifer Tran is an Investment Consultant at Fidelity Investments, a position she has held since 2025. In this role, she connects with clients and their families to develop personalized strategies that align with their unique goals and priorities. Jennifer has over a decade of experience in the financial industry. Prior to her current role, she worked as a Regional Insurance Specialist at Citigroup from 2022 to 2024, and as a Registered Representative at New York Life Insurance Company from 2014 to 2022. She also held positions as a Senior Relationship Banker at Union Bank from 2013 to 2014 and as a Relationship Banker at JP Morgan Chase Bank from 2011 to 2013. She holds a California Insurance License. Outside of her professional work, Jennifer enjoys spending time at the beach, gardening, watching movies, swimming, traveling, and practicing yoga.

Marina Strasser is a CFP®-certified financial advisor with Charles Schwab in Los Altos, CA, and has four years of industry experience. She has been with Charles Schwab and its affiliated entities since 2019. Outside of her advisory role, she is involved in managing an investment property she owns. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized custody and operational infrastructure.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.

Hilary P. Jones is a Senior Financial Advisor and Vice President with Merrill Lynch Wealth Management. She specializes in assisting individuals, families, and small institutions in achieving their financial goals through strategic planning and ongoing monitoring. Ms. Jones offers expertise in areas including college education planning, retirement planning, portfolio management, socially responsible investing, and wealth transfer among generations. Her approach combines traditional investment advice with customized strategies utilizing Merrill Lynch Wealth Management resources and approved third-party managers. With a career beginning at AG Edwards followed by joining Merrill Lynch in 2004, Ms. Jones brings a breadth of life and professional experience to her advisory role. Prior to her financial services career, she held positions in human resources and higher education administration. She holds a Bachelor’s and Master’s degree in Asian Studies from the University of California, Berkeley. Ms. Jones holds the Personal Investment Advisor (PIA) designation. Ms. Jones is active in her local community in Palo Alto, serving as President of the Association for Senior Day Health and participating in organizations such as the Foothills Club, Kappa Kappa Gamma Sorority, and Palo Alto Woman's Club. She maintains a client-centered philosophy emphasizing long-term relationships and personalized financial strategies to help individuals pursue their goals.

Riley Marshall is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 credential and three years of industry experience. Prior to joining Morgan Stanley, he spent time at AT&T and was involved with several entertainment and service ventures including Shopwindow, Quest Factor Escape Rooms, and All That Dance Studios. Outside of financial advising, he operates a sole proprietorship in entertainment and co-hosts a podcast focused on AI topics. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing financial planning supported by firm-approved tools and investment research while serving approximately $2.74 trillion in client assets.

Eve Meyer is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and over 31 years of industry experience. She has been with Primerica Advisors since 1994 and also works with Esmff since 2000. Her outside activities include part-time referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

Yuriy Lavor is a financial advisor at Edward Jones in San Jose, CA, holding ChFC® and Series 66 designations with six years of industry experience. His career includes roles at Edward Jones since 2019, as well as prior experience at Homestreet Bank, Solar Power Inc (Umining), and Autonation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 financial advisors and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.