Jennifer Xaythavone is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Jesus Morales Moreno is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he was involved in entrepreneurial ventures including Junior's Farm LLC and Dolce Spazio Gelato. He also has a background in education, having completed studies at the University of California, Santa Cruz, De Anza Community College, and other institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail and institutional investors. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves notable roles such as advising registered investment companies and delivering portfolios for Fidelity Institutional Wealth Adviser.

Amar Singh is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1995 and works with individuals, families, and business owners to understand their financial situations, time horizons, and liquidity needs. He assists clients in articulating both short- and long-term goals and recommends financial strategies aligned with their objectives. Amar employs a holistic approach that integrates wealth and liability management, combining personalized service with investment insights from Merrill and banking access through Bank of America. Before joining Merrill Lynch, Amar served as a Vice President at BOK Financial. He holds a Bachelor’s degree from Jai Hind College and an MBA from the University of Colorado at Denver. He is also a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, executive compensation, family wealth management, retirement planning, small business strategies, and socially responsible investing. Outside of his professional work, Amar is involved in community service through organizations such as Second Harvest Food Bank. He enjoys spending time with his family and engaging in outdoor activities, including golf, swimming, biking, and various sports. Amar communicates fluently in Hindi, Punjabi, and English.

Mary Warmbier is a financial advisor at J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 licenses with four years of industry experience. Her work history includes positions at J.P. Morgan Chase Bank NA, JPMorgan Securities LLC, and AllianceBernstein. 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 advisory process integrates centralized due diligence with quantitative and qualitative research and may include ESG considerations.

Robert Manning is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior roles at Citigroup Global Markets and Deutsche Bank Securities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct client plans and Corporate Financial Planning through employer agreements.

Mathew Miller is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of the West, Bancwest Investment Services, Inc., and JPMorgan Chase Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Carter Crum is a financial advisor at UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both an investment adviser and a broker-dealer.

Douglas Gilliland is a Series 66-credentialed financial advisor with Morgan Stanley in Cupertino, CA, bringing 22 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved in elder care and support for a minor child through activities connected with the County of Santa Clara. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning services.

George Pekeshe is a financial advisor at LPL Financial with a Series 66 designation. He has prior experience at Rettew, Enviroscan Inc, Stanford Federal Credit Union, and Franklin and Marshall College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Julian Lai is a financial advisor at Morgan Stanley with eight years of industry experience. He has been with Morgan Stanley since 2015 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Phaby Utomo is a CFP® and CFA® credentialed advisor with three years of industry experience, currently serving at J.P. Morgan Securities in Palo Alto, CA. Their prior experience includes roles at UBS Wealth Management and Bordeaux Wealth Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting with a non-discretionary approach supported by centralized due diligence and a manager solutions team.

Donna Cirelli is a financial advisor with Primerica Advisors, holding a PFS™ designation and a Series 63 license, and has 27 years of industry experience. Her background includes work with the U.S. Treasury/IRS, Farmers Financial Solutions, and a real estate sales role at Century 21 since 2018. She is also a partner at Muller & Associates, a CPA firm where she commits approximately 20 hours per month. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 financial advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party asset managers.

Curtis Ko is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Investments and Wells Fargo Clearing since 2007. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Rajesh Cheethirala is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, New York Life Insurance Company, and MassMutual Life Insurance Company. Outside of his advisory work, he is the president and owner of Syncrasy, a business operating a Baskin-Robbins franchise in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Christian Tice is a CFP® with LPL Financial, based in San Jose, CA, and has 47 years of industry experience. He has been affiliated with LPL Financial for 43 years and holds securities licenses including Series 63 and Series 65. Outside of his advisory work, he is involved in non-variable life, health, and disability insurance services and has experience as a real estate broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, third-party asset management, and institutional platforms, supporting investment strategies that include model portfolios, direct indexing, and alternative exposures.

Michelle Yeh is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over two decades of experience in the financial services industry, having started her career in 2003 and transitioning from personal banking to wealth management. Her expertise includes college education planning, managing new wealth, retirement planning, portfolio management, and tax minimization. Michelle holds a Bachelor's Degree from the University of California system and earned her MBA from Santa Clara University. She has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Mandarin, English, and Chinese, Michelle leverages her comprehensive background to develop personalized financial strategies for her clients. Based in the Bay Area, Michelle participates in community volunteering in line with Merrill's tradition of community involvement. In her spare time, she enjoys cooking, gardening, rock climbing, running, spending time with her family, playing tennis, watching movies, and practicing yoga.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Keith France is a financial advisor with Cetera in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at BMO Harris Financial Advisors and M&I Financial Advisors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Gregory Newell is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked across several Schwab affiliates, including Charles Schwab Trust Bank and Charles Schwab Premier Bank. 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, offering multi-asset model portfolios supported by in-depth research and a centralized operational structure.

Scott Rogers is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2001. He is based in San Jose, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions and providing a range of retirement plan consulting services.