Joanne Cirocco is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Seyednaser Mousavi is a financial advisor with Merrill based in San Jose, CA, holding the Series 66 designation and four years of industry experience. He previously worked at Bank of America for nine years and briefly at Bank of the West. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Daniel Ayala Jr. is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank since 2007, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is based in Los Gatos, CA. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daryl Dehn is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients as part of one of the top teams in Silicon Valley. In this role, he works closely with individuals to help them achieve financial independence by developing personalized financial strategies tailored to their unique goals. Daryl emphasizes honesty, transparency, and fairness throughout his advisory process, leveraging the resources and insights of Merrill and Bank of America to provide comprehensive wealth management solutions. His expertise spans a broad range of client focus areas, including college education planning, equity compensation services, family wealth management, retirement income, and services for defined benefit plans. Daryl collaborates with clients to translate their aspirations into specific investment objectives and actively manages portfolios designed to pursue long-term financial success. Daryl holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Valley Christian. He is involved in community organizations such as HRC and the LGBT Youth Center, reflecting his commitment to giving back and supporting the communities he serves. Outside of his professional work, Daryl enjoys biking, boating, hiking, horseback riding, ice hockey, music, running, and spending time with his family.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is involved in spiritual development education as a teacher and author, operating several related ventures focused on energy healing and product creation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, utilizing structured planning tools and scenario modeling to support client goals.

Michael Ngo is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade in various roles since 2016. 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Mark Beach is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory role, he owns a for-profit investment business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager research, and customized performance reporting through a non-discretionary program. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a comprehensive range of advisory and brokerage services.

Michael Craig is a financial advisor at Merrill with 42 years of industry experience. He holds a Series 63 designation and has worked at Merrill since 1983, including tenure at Bank of America since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

William Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, California, holding a Series 66 credential with four years of industry experience. Prior to his current role, he spent six years at Los Gatos High School and has been affiliated with the University of Colorado since 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Dino Marraccini is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with three years of industry experience. His prior work includes roles at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill Lynch, and earlier positions in retail and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Alexander Brea is a Financial Consultant at Fidelity Investments where he focuses on helping clients build, protect, and grow their wealth through personalized financial planning. He has worked in various financial advisory roles, including positions at Fisher Investments as Regional Vice President, Charles Schwab as Vice President and Financial Consultant, Raymond James, and Merrill Edge. His career in financial services spans from 2014 to the present. Alexander holds a California Insurance License. Outside of his professional role, he is married with three children and has a family-oriented approach that shapes his work. His personal interests include beach activities, family activities, fitness, parenthood, reading, and volunteering.

George Bettisworth is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63, 65, and 66 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a director for the Almaden Hills Estates Homeowners Association and is a board member of both Frontline Fellowship USA and The Home Church Almaden Hills. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and models while offering a broad range of retail and institutional investment products.

Phillip Benjamin is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Fidelity, he worked at Sunny Susanto State Farm, Covered Insurance Solutions, Geico, and Aaa. Outside of his financial career, he performs locally as a musician several times per month. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and systematic methodologies in its investment process.

Erica Wu is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and has worked at firms including JP Morgan Chase Bank and Cetera. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Jimenez is a financial advisor with Merrill in Santa Clara, CA, holding a Series 66 designation and 8 years of industry experience. He has worked at Bank of America and Merrill since 2011. Outside of advising, he provides weekend mobile food delivery services with Instacart and serves as the primary caregiver for his mother. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Malouf is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Charles Schwab Bank, Fit Local Fit, and Cheese Boutique. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Joshua Inahara is a financial advisor at UBS Financial Services in Palo Alto, California, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Avanti Sports and as a staff member at the University of Washington and The American School in Japan. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and access to a broad range of capital markets and research resources.

Joan Masuda Cox is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds Series 66 and Series 63 credentials and previously worked at UBS Financial Services for seven years before joining Morgan Stanley in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured planning tools and a Global Investment Committee.

Kurt Carrasquilla is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Outside of his advisory role, he teaches investment-related courses at the University of California, Berkeley, and Stanford University, and serves on the CFP Program Advisory Board at UC Berkeley. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

David Sanepour is a Series 66–licensed financial advisor with one year of experience at LPL Enterprise. He previously worked at World Financial Group for five years and has a background that includes roles at Berkshire Hathaway HomeServices California Properties and Central Casting. Sanepour also teaches investment-related courses at Pasadena City College. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.