Kosin Cheng is the Vice President and Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2024. He is a CERTIFIED FINANCIAL PLANNER™ with extensive experience in financial services, focusing on providing strategic wealth management guidance to families. Kosin serves as a strategist, educator, and thinking partner, collaborating closely with clients to define priorities and make informed decisions centered on thoughtful planning and disciplined execution. Kosin has held several positions at Fidelity Investments since 2005, including Vice President Executive Planning Consultant, Vice President Financial Consultant, Account Executive, Financial Planning Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at US Bank and as a Customer Associate at CIBC. He holds a California Insurance License, supporting his expertise in financial planning and wealth management. Outside of his professional commitments, Kosin's interests include art, food, hiking, movies, pets, and traveling.

Meredith Westerman is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 14 years of industry experience. She previously worked at UBS Financial Services for 10 years before joining Morgan Stanley in 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process without offering individual security recommendations as part of its standalone planning services.

Susan Bergstrom is a Series 66 licensed financial advisor with Edward Jones in Cupertino, CA, with two years of industry experience. Prior to joining Edward Jones, she spent ten years at Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Balasubramanyam Karanam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked with J.P. Morgan entities continuously since 2012. Outside of his advisory role, he is a co-owner and landlord of a rental property in Bangalore, India. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its program on a non-discretionary basis.

Daniel Sandoval is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has been with RBC since 2018. Prior to that, he worked at Raymond James and its affiliated insurance group from 2015 to 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s advisory risk profile.

Charles Schembri is a financial advisor with LPL Financial in Half Moon Bay, CA, holding a Series 63 license and bringing 32 years of industry experience. He worked at Ameriprise for 14 years before joining LPL Financial in 2011. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Christopher Twardowski is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Burlingame, California. He has worked at Fidelity since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Boris Spasojevic is a Financial Consultant currently working at Fidelity Investments since 2019. In this role, he partners with clients to develop financial plans and investment strategies tailored to their unique needs. He focuses on helping individuals and families work toward their life goals through disciplined planning and investing. Prior to his current position, Boris served as a Financial Adviser at JPMorgan Chase from 2012 to 2019. He holds a California Insurance License, which supports his professional services in the financial sector.

Amit Chadha is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Fidelity Brokerage Services LLC, and St. James's Place Wealth Management. 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 combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Jennifer Buhl is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2011 and has over 15 years of experience working with affluent individuals, families, and owners of closely-held businesses. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). Jennifer’s expertise covers a range of client focus areas including corporate executive services, education planning, services for endowments, foundations, and non-profits, personal retirement planning, women and wealth, and retirement income. She emphasizes a wealth management approach that serves as a flexible framework and road map to help clients achieve their financial goals through growth, wealth preservation, succession planning, education funding, wealth transfer, and retirement planning. Jennifer earned her high school diploma from George Washington, attended San Francisco State University without earning a degree, and holds a bachelor’s degree from Charter Oak State College. Her team at Merrill Lynch includes CERTIFIED FINANCIAL PLANNER® professionals with expertise in estate planning strategies, retirement planning, insurance, tax efficiencies, and administration of 10b5-1 plans.

Andrew Gotianse is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliates since 2012. Based in Redwood City, CA, his career has been focused within this firm. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice, combining internal investment research and third-party data with a non-discretionary implementation approach.

Daniel McGovern is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. In this role, he employs a comprehensive wealth planning process to assist clients in working towards their personal and professional financial goals. His approach is guided by his family motto, "Serviendo Guberno," which means "to govern by serving." This philosophy underpins his commitment to helping clients manage their finances through dedicated service and guidance. With over 25 years of experience in the financial industry, Daniel's career includes roles such as Vice President Director at Polaris Greystone (2015-2017), and Financial Advisor positions at Merrill Lynch, HSBC, and JP Morgan. His background also includes positions as Director of Investment Sales at Lord Abbett and a Trader at RBC Dominion. Daniel began his career with an internship and various roles at Merrill Lynch, and as an Investment Banking Analyst at WM Sword & Co. Daniel holds a California Insurance License. Outside of his professional commitments, he has interests in art, beach activities, family engagements, fitness, golf, and museum visits.

Jake Ketchner is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and is based in San Mateo, CA. His work history includes roles at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2025, alongside prior periods of full-time education and employment outside the industry. 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 solutions supported by centralized custody and operational infrastructure.

Wayne Wang is a Series 65-licensed financial advisor at Fisher Investments with six years of industry experience. He has been with Fisher Investments since 2013. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment decision process and offers sub-advisory and retirement plan services to a diverse client base.

Shao Te is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2011. He is based in Palo Alto, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Christopher Inthavong is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kyle Burns is a financial advisor with Merrill holding a Series 66 credential and two years of industry experience. He has worked at Merrill and Bank of America, N.A., and also has prior experience with Northwestern Mutual Investment Services LLC. Outside of advising, he serves as a successor trustee for a family trust. 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 supported by Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shruti Gauba is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has been with J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Douglas Ingham is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including customized financial planning through its Financial Advisors and Estate Planning Strategies Group.

Justine Cramer is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Citigroup, HSBC Securities, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs firm-approved tools and structured discovery conversations as part of its financial planning process.