Carlos Betancourt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 credential and 16 years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and Chase Bank for eight years, and at Bank of America and Merrill for five years. Outside of his advisory role, he is involved in real estate ventures, including co-ownership through Pacaso Inc. and managing a family trust that engages in short-term rental properties. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and modeling tools, and offers a broad range of investment and financial solutions.

Ahmed Metwaly is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience at Goldman Sachs. Metwaly has also been involved with the Student Association at SUNY Plattsburgh. 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 offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and a formal alternative-investment onboarding process within an integrated operational structure.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Christian Petersen is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Morningstar, Inc. and KKR, as well as positions within Charles Schwab Bank and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and integrated custody and brokerage services.

Robert Gold is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and has previously worked at Woodbury Financial Services, CETERA Advisor Networks, and Summit Financial Group. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to create portfolios that may include a variety of investment types, supporting both discretionary and non-discretionary account management.

Gabriel Deluna is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 66 and Series 63 designations and has been with J.P. Morgan Securities since 2012. Prior to this, he worked at JPMC BANK NA (Southwest) starting in 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, incorporating an ESG eligibility framework in its recommendations.

Brian Penzel is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he serves on the board of the Logistics Advances Research Center, sits on the Board of Trustees for the Moreland School District, and acts as treasurer for the Saratoga Federated Church. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and resources.

Kathleen Augusta is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2017, following an eight-year tenure at Morgan Stanley Smith Barney. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joshua Fong is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018. Outside of his advisory role, he operates as an eBay seller specializing in sports memorabilia and collectibles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Darien Tung is a financial advisor with Ameriprise in Menlo Park, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, delivering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach, serving clients primarily through Ameriprise-managed accounts.

Timothy Davis is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2011, including time with Morgan Stanley Private Bank, National Association. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Julio Moncada is a financial advisor with Fidelity Investments, holding Series 65 and Series 63 credentials. He joined Fidelity in 2026 and has prior experience at Firsthand Capital Management from 2008 to 2023. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, employing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

John Coleman is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and with 40 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Lance Friesz serves as a Vice President and Wealth Planner at Fidelity Investments since 2022. He approaches client relationships with an education-based philosophy, aiming to empower clients to make informed financial decisions for themselves and their families. Lance focuses on developing customized wealth strategies designed to provide benefits both currently and for future generations. He has been with Fidelity Investments since 2012, holding various roles including Financial Representative, Investment Consultant, Financial Consultant, and currently as Vice President, Wealth Planner. Lance holds a California Insurance License. Outside of his professional work, Lance enjoys camping, family activities, fitness, gardening, photography, and soccer.

Rupesh Shah is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a conservator in a non-investment-related capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process involving firm-approved tools and modeling techniques.

Miriam Martin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of her advisory role, she engages in online selling of used goods through platforms such as Poshmark, 5 Miles, and OfferUp. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Colby Schmidt is a CFP® certified advisor with Charles Schwab in Menlo Park, CA, with two years of industry experience. Before joining Charles Schwab, he worked at Union Jack and held various roles including positions at Lowe's Companies and The Bay Club Company. 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 both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios, alternative investment due diligence, and a centralized operational structure.

Michelle Liu is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Chase Bank and Charles Schwab. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Bryan Durkee is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. He has held various roles within Fidelity Investments, including Investment Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, and Financial Representative in 2023. His primary responsibility involves understanding clients' goals, motivations, and important relationships to assist them in making informed financial decisions. Bryan holds a California Insurance License, supporting his ability to provide clients with comprehensive financial guidance. Outside of his professional role, Bryan has interests in beach activities, football, music, and traveling.

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.