Xiaosheng Mei is a financial advisor at Charles Schwab with 25 years of industry experience. He has been with Charles Schwab since 2000 and with Charles Schwab Bank since 2005. He holds Series 63 and Series 66 credentials. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

John Watson Jr. is a financial advisor at UBS Financial Services in San Jose, CA, holding a Series 66 designation with seven years of industry experience. His career includes prior roles at Merrill, Bank of America, and Service Corporation International. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Erik Peterson is a financial advisor at Thrivent Investment Management with Series 66 credentials. He has been with Thrivent and its affiliates since 2025. Prior to his current role, Erik has held positions at Apex Systems and Quality First Home Improvement, among others. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a range of topics, with options to combine planning and managed-account services under a consolidated billing program called WealthPlan.

Brendan Duffy is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as an Investment Consultant and Financial Representative at Fidelity Investments from 2021 through 2024. Brendan's work focuses on providing ongoing financial planning tailored to the specific needs and goals of his clients. With a background that emphasizes analytical skills, Brendan assists clients in addressing various challenges related to their financial objectives. As a native of Silicon Valley, he engages closely with local clients and their families to provide guidance on pertinent financial topics. Brendan holds a California Insurance License. Outside of his professional work, Brendan enjoys activities such as going to the beach, playing board games, spending time with family, listening to music, and swimming.

Thomas Wright is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at various Wells Fargo entities since 2005. Outside of his advisory work, he provides transportation services as an Uber driver in San Francisco. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jodiah Herbert is a Financial Consultant at Fidelity Investments, where they work with clients to build comprehensive financial plans focused on wealth growth, retirement readiness, and long-term security. Jodiah partners with clients to create personalized strategies that support both their current priorities and future aspirations. Jodiah's professional experience includes roles as a Financial Consultant and Relationship Manager at Fidelity Investments, as well as Registered Representative at NYLIFE Securities LLC. Prior to these positions, Jodiah worked as an Insurance Agent with New York Life Insurance Company and World Financial Group. They hold a California Insurance License. Outside of their professional work, Jodiah enjoys camping, cars, golf, hiking, reading, and traveling.

Anne Michelle Salinda is a financial advisor with Wells Fargo Clearing in Santa Clara, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Salinda serves as a co-trustee for her parents' trust. 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 approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Phil Nguyen is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. Outside of advising, he is involved in real estate ownership, including multi-family properties in Sacramento. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written, non-discretionary recommendations based on research and modeling. The firm combines advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic tools supported by oversight committees to generate tailored retirement income plans.

Richard Bologna is a financial advisor at Ameriprise in San Ramon, CA, with 16 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Ameriprise in 2017. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, primarily for clients with assets held in Ameriprise-managed accounts.

Abhijit Talathi is a financial advisor at LPL Financial with one year of industry experience. Prior to joining LPL Financial, he held roles at Fremont Bank, Marina Landing Family Dentistry, and Cisco Systems Inc. In addition to his advisory work, he is employed outside the industry in a dental practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Terry Goss is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, following eight years at Stifel Nicolaus. Outside of finance, Goss owns Terry Goss Photography, a business focused on photography sales, prints, merchandise, and book licensing, and is active as a bassist and composer in multiple musical groups. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and broad investment offerings.

Ryan Tran is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, he held positions in various fields including education and technology. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and research from the Schwab Center for Financial Research.

Vanessa Pan is a financial advisor at LPL Enterprise with two years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at The Prudential Insurance Company of America and PRUCO Securities, LLC. Outside of finance, she serves as a volleyball coach at Encore Volleyball Club. LPL Enterprise serves a broad mix of clients, including individuals, retirement plans, charitable organizations, and corporations, through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products.

Jiyoung Chung is a financial advisor at Fidelity with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2022, previously serving at American Investors Company and StarOne Credit Union. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and maintains oversight of sub-advisers and share class allocations.

Namrata Agrawal is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been a member of the team since 2016. She holds the professional designations of Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA). Namrata resides in Sunnyvale, CA, and contributes to The Barnao Group, assisting small businesses and individuals with investments, wealth planning, banking, lending, and estate planning needs. Namrata grew up in Jaipur, India, and moved to the United States in 2000. She earned both her Bachelor's degree in Accounting and her Master's degree in Economics from Rajasthan University. She obtained her CFA charter in 2007. Her areas of expertise include education planning, liquidity management, managing new wealth, portfolio management services, socially responsible and ESG investing, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Namrata is committed to personalized financial strategies tailored to her clients' long-term goals. She also participates in community activities, including volunteering with the Stocklmeir School in the Cupertino Unified School District. Outside of work, she enjoys biking, gardening, spending time with her family, and traveling.

Li Xu is a Planning Consultant at Fidelity Investments, a position held since 2021. In this role, Li collaborates closely with clients and advisors to understand investment needs and objectives, supporting clients throughout the financial planning process to help them pursue their investment goals confidently. Li has extensive experience in financial services, having worked as a Financial Consultant at TD Ameritrade from 2018 to 2021 and as an Investment Consultant at Scottrade from 2009 to 2018. Li holds a California Insurance License, which supports the provision of comprehensive financial and insurance planning services.

Yingfei Shi is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved in real estate investment as an owner and partner of multiple properties. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a centralized due diligence framework. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management services.

Donald Tonelli is a financial advisor at OSAIC with 53 years of industry experience. He holds the ChFC® designation and the Series 63 license. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. and Foothill Securities, Inc., and has operated as a self-employed advisor since 1978. Outside of advisory work, he is a licensed real estate broker referring prospects to Keller Williams Realty and is involved in insurance sales related to life and estate planning. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios across multiple asset types, and supports both discretionary and non-discretionary management.

Michael Caulkins is a financial advisor at LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials with 29 years of industry experience. He has been with LPL Financial, formerly Linsco Private Ledger, since 2005. Caulkins also operates a DBA, Solutions Wealth Management, based in Campbell, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Danny Chung is a Financial Consultant currently working at Fidelity Investments since 2018. He focuses on assisting clients in making informed decisions about their financial futures by developing and implementing comprehensive financial plans tailored to their goals. His professional experience includes roles as an Investment Consultant at Fidelity Investments from 2016 to 2018, a Financial Advisor at Bank of America Merrill Lynch from 2012 to 2015, a Financial Advisor at Morgan Stanley from 2009 to 2012, and a Fixed Income Specialist at ML Stern & Co. from 2003 to 2009. Danny holds a California Insurance License.