Karen Peck is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of her advisory work, she is involved in managing a commercial rental property through a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Schure is a financial advisor at Charles Schwab in Sunnyvale, CA, holding a Series 66 designation with one year of experience. His prior work experience includes roles at Charles Schwab Bank, Sports Basement, AmeriCorps, and Stingray Volleyball Club. 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 guidance alongside access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation.

Xiaoyu Jiang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo in 2024, Jiang worked at Citigroup, Merrill, and Bank of America. Outside of finance, Jiang has ownership in a rental property located in Honolulu, Hawaii. 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 offers both brokerage and advisory solutions, managing approximately $671 billion in assets through over 14,000 financial advisors.

Jessica Levan is a Certified Financial Planner (CFP®) with 17 years of industry experience. She has worked with J.P. Morgan Securities and JP Morgan Chase Bank, N.A. since 2013. Based in Morgan Hill, CA, she holds a Series 66 license. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

Gitanjali Mishra is a financial advisor with Fidelity who holds the Series 66 designation and has one year of industry experience. Prior to joining Fidelity, she worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association, and she spent ten years at Punjab National Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies and fund‑of‑funds.

Fernando Mellin is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Wells Fargo for 18 years and is the owner of My Coco Inc, a business focused on the sales of imported coconuts and coconut water. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, with client decision-making retained, and operates within the broader J.P. Morgan banking and broker-dealer organization.

Fane Opperman is a CFP® with 37 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for seven years. He is an adjunct instructor at California State University, where he teaches a course on personal financial management. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers.

Jason Cheng is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2018. He has been with Fidelity Investments since 2013, previously serving as Assistant Branch Manager and Vice President - Financial Consultant. Prior to his tenure at Fidelity, Jason held various positions at Charles Schwab from 2006 to 2013, including Vice President - Financial Consultant, Investment Consultant, and Financial Representative. He began his financial services career at E*Trade Securities, working as a Financial Representative and Active Trader Specialist between 2003 and 2006. Jason holds a California Insurance License. He emphasizes the importance of hiring and developing financial advisors with integrity and dedication to effectively support clients as their primary advisors.

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.

Yue Pang is a financial advisor at Edward Jones with one year of industry experience and holds a Series 66 designation. Prior to joining Edward Jones, Pang worked in the restaurant industry with Sushi Koya and Izakaya Ginji. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

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.