Eileen Bader is a financial advisor at Charles Schwab with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill and UBS Financial Services. Since 2021, she has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios supported by centralized operational and supervisory arrangements.

John Lehr is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ron Fetsch is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 63 license and 40 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2024. Outside of his advisory work, he owns and operates a sod farm and serves on the board of a homeowners association in Lahaina, Hawaii. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and risk tolerances.

Aileen Low is a financial advisor with Edward Jones in Los Altos, CA, holding the CFP® designation and Series 63 and 66 licenses. She has 26 years of industry experience, including 27 years with Edward Jones. Outside of her advisory work, she is involved in commercial and residential real estate property ownership. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Ziqi Wong is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Ziqi provides comprehensive wealth management strategies tailored to address the financial needs of individuals and multigenerational families. Their practice includes customized portfolio construction, retirement planning, and estate planning aimed at preserving, growing, and transferring wealth with precision. Ziqi serves as a long-term strategic partner, guiding clients through various stages of their financial journey. Utilizing resources from Merrill and Bank of America, Ziqi offers tailored investment insights, risk management, and legacy planning to help clients achieve financial stability and confidence. Ziqi holds a Bachelor's Degree from the University of California System and a Master's Degree from Cornell University. Additionally, Ziqi has earned the Personal Investment Advisor (PIA) designation.

James Hsiao is a financial advisor at Cetera with a PFS™ designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services, Johanson & Yau, and Jerome Bellotti & Associates. Outside of his advisory work, he provides tax return preparation and consultation services to family and friends through a side business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that features both affiliated and third-party investment options.

Jillan Hong is a Financial Advisor at Merrill Lynch Wealth Management. She helps clients develop strategies to pursue their short-, mid-, and long-term financial goals. Jillan provides resources ranging from general investing and retirement planning to saving for unexpected expenses, and offers access to Bank of America specialists in banking, credit, home financing, and small business solutions. She holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Jillan earned her Bachelor's Degree from the University of San Francisco. Jillan's approach involves understanding what matters to each client and their family in order to create tailored strategies to meet their financial objectives. She provides ongoing advice and guidance as clients' needs evolve.

Veronica Vu is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior work includes roles at B & B Machining and Smittenkiss Weddings & Events. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Rosario Oliveri is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience in the financial industry, including expertise in investments, banking, insurance, and real estate. He assists clients with various financial planning needs such as college education planning, executive compensation, family wealth management strategies, legacy planning, retirement income, and tax minimization. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Rosario graduated from the University of Washington's Foster School of Business with a bachelor's degree, where he concentrated his studies in finance. Rosario is a member of the professional organization Sons of Sicily and is involved in community service through the Second Harvest Food Bank in San Jose. His approach focuses on educating and guiding investors through their wealth-building journey with a long-term plan and steady vision for the future.

An Le is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Merrill, An worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. for three years. Their work history also includes roles at Bank of America and experience outside the financial sector. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Shashi Bhagat is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and scenarios to guide financial decisions.

Natasha Escareno is a financial advisor at LPL Financial with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Advisors and Cetera. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Sarah Freitas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and three years of industry experience. Her prior roles include positions at Citibank/Citigroup and LPL. 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 applying an ESG eligibility framework when recommending investment strategies.

Yubi Li is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. They hold Series 63 and Series 66 licenses and have worked at firms including Wells Fargo Advisors and First Republic Investment Management. Yubi is based in Palo Alto, CA. 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 operates within the broader J.P. Morgan organization and offers access to a range of investment products and strategies through its Institutional Consulting Services program.

Apollo Santos is a Financial Consultant currently working at Fidelity since 2023. He assists clients in creating financial plans tailored for individuals and families at various stages of their lives. Prior to this role, he served as an Executive Relationship Manager at E*TRADE from Morgan Stanley between 2020 and 2023. His expertise includes wealth planning and investment strategies, leveraging his team's dedication to provide personalized financial guidance. Apollo holds a California Insurance License, supporting his work in financial consulting and client services.

Narayana Murthy Nyayapati is a financial advisor with Edward Jones in San Jose, CA, holding CFP® and ChFC® designations along with Series 65 and Series 63 licenses. He has five years of industry experience, including roles at Moolya Wealth Management, Becton Dickinson and Company, and Vistex, Inc. In addition to his advisory work, he consults in technology architecture, project management, programming, and business development. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm offers advisory programs with discretionary and non-discretionary strategies, access to separately managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

Charles Mok is a Senior Financial Advisor with Merrill Lynch Wealth Management, a role he has held since joining the firm in 2009. He has been a financial advisor since 1980, bringing decades of experience in total wealth management to his clients. Charles focuses on areas including family wealth management strategies, legacy planning, retirement and investment planning, liquidity management, portfolio management services, tax minimization, and both individual and corporate investment strategy. His investment approach employs a top-down methodology, beginning with an analysis of the fundamentals of each country's economy to inform sector and individual investment selections. Charles has extensive experience in stock, bond, and mutual fund research and incorporates alternative investments selectively to enhance portfolio construction. He holds the designation of Personal Investment Advisor (PIA) and earned his High School Diploma/GED from the University of Texas System. Outside of his professional work, Charles participates in community volunteer activities consistent with Merrill’s tradition of community involvement. His personal interests include basketball, chess, cooking, photography, and traveling.

Daniel Plascencia is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and one year of industry experience. He previously worked at LPL Financial, Excite Credit Union, Charles Schwab, Securitas, Allied Universal, and World Financial Group. Outside of advisory roles, he is a commissioned notary in California. Wells Fargo Clearing provides retirement plan consulting to ERISA-qualified and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Anil Ratnani is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include eight years at Ameriprise Financial Services, Inc. and one year at Fusion Forte Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Thomas Ransohoff is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1991, concurrently working with Bank of America since 2009. Outside of his advisory role, he is involved with Sacred Heart Community Service in San Jose, focusing on efforts to help individuals gain workforce skills and improve their opportunities. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.