Mercedes Landaverde is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Bank from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ryan Walsh is a Financial Advisor at Merrill Lynch Wealth Management. He provides financial planning and investment advisory services as part of his role. Additional details about his experience, expertise, education, credentials, personal interests, or community involvement have not been provided.

Ariana Parker is a Series 66-licensed financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Francisco Reyes IV is a financial advisor at Merrill with Series 66 and Series 63 licenses and three years of industry experience. He has held positions at Bank of America, Merrill, Drivetime, Chewy.com, Farmers Insurance, Enterprise Rent-A-Car, and Benedictine University at Mesa. Outside of his advisory work, Reyes is a clerk at a convenience store where he handles cashiering, stocking, and customer service duties. 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. The firm delivers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

James Wong is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2014 and 2015, respectively, following prior roles at Wells Fargo Clearing and Wells Fargo Investments. Outside of advising, Wong is involved in real estate investment through ownership and limited membership roles in several real estate entities. 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 structured planning tools and market models in its financial planning process.

Min Myo is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2010, progressing from Investment Consultant to Financial Consultant before his current role. Prior to joining Fidelity, Min worked as a Financial Advisor with MML Investors Services and Ameriprise Financial Services. With over 15 years of planning experience, Min specializes in retirement planning, estate planning considerations, and wealth planning. He focuses on establishing long-term planning relationships and creating customized plans that adapt to the changing needs of his clients. His professional approach is informed by his understanding of the multiple financial goals faced by families. Min holds a California Insurance License.

Troy Ryder is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, Investors Capital Corp., and Cetera Advisors LLC. Outside of advising, he owns an adventure training business and serves on the boards of two nonprofit organizations focused on education and community support, as well as founding a company developing home waste treatment systems. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts, offering diverse portfolio management and financial planning services through a large network of independent advisors. Their multi-manager platform allows for flexible strategy implementation, with assets under management exceeding $256 billion.

Riley Krook is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2019 and 2020, respectively. Before joining Morgan Stanley, he spent time at Stonerise Capital Partners and Sam's Chowder House. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and emphasizes advisory services supported by its Global Investment Committee’s analyses.

Dao Nguyen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 66 and Series 63 credentials and bringing 10 years of industry experience. His previous roles include positions at Citibank, Wells Fargo, Guaranteed Rate, and Loan Depot. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Mitchell Bertonneau is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with five years of industry experience. His work history includes roles at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services supported by multi-asset model portfolios and a centralized operational structure.

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.

Jessica Hughes is a financial advisor with Cetera who holds Series 65 and Series 66 licenses and has 21 years of industry experience. Her career includes long-term roles at Avantax and its associated entities, as well as owning and operating Tenshi Financial and Insurance Services since 2003. Outside of her advisory work, she manages financial and investment decisions for family members as a power of attorney. Cetera Investment Advisers LLC distributes services through a large nationwide network serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, with a broad range of program options and custodial arrangements.

Christopher Dao is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2016 and served in the Army Reserves from 2006 to 2018. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMA portfolios and offers multi-asset model portfolios supported by centralized supervisory and operational infrastructure.

Blake Harmer is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 66 designation and approximately one year of industry experience. Prior to joining Ameriprise, he worked at Renaissance Financial and Larson Lawnscape, and he attended the University of Kansas. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that focuses on dependable income sources and tax-aware withdrawal strategies.

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.

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.