Richard Simpson is a financial advisor with Ameriprise in Brentwood, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its related entities since 2005. In addition to his advisory role, he is involved in independent insurance brokering with multiple health insurance providers. Ameriprise offers retirement-income planning services targeted at individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Scott Rash is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009. Rash serves as a non-public arbitrator for the Financial Industry Regulatory Authority. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Veronica Aquilina is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 10 years of industry experience. She has been with UBS Financial Services Inc. since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through both brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets solutions.

Tina Wang is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over a decade of experience in the financial services industry, including previous roles as a Financial Consultant at Fidelity Investments in 2015 and as Vice President and Financial Consultant at Charles Schwab from 2011 to 2015. Her expertise lies in wealth planning and developing dynamic financial plans tailored to clients' needs. Tina is committed to assisting clients in selecting managed offering strategies designed to benefit them and their families both now and in the future. She holds a California Insurance License. Outside of her professional career, Tina enjoys hiking, outdoor adventures, and traveling.

Desirae Bennett is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, she worked at Placer County Superior Court and California State University, Monterey Bay. 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, serving as an ERISA fiduciary and including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michelle Peng is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, she is involved as a partner in a technology consulting firm and co-trustee of a defined benefit plan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market-based modeling techniques.

Ben Krugman is a financial advisor with Wells Fargo Clearing in San Jose, CA. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2004, accumulating 22 years of industry experience. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Evan Rohrbough is a financial advisor at Stifel with 49 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2009. The firm serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Roberta Arakaki is a financial advisor at Morgan Stanley in San Jose, CA, with 25 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory work, she is involved in paper crafting and stamping, operating a small business focused on greeting cards and crafting products, and she also sells Tupperware as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and models to support client planning needs.

Ahmed Khatib is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. He works closely with entrepreneurs, wealth creators, senior executives, and ultra-high-net-worth clients to help them grow, preserve, and transfer their wealth more effectively. Ahmed focuses on understanding his clients’ unique financial goals and developing clear strategies that address the complexities associated with substantial wealth. Ahmed has extensive experience in investing and wealth management, having worked since 2000. Prior to joining Merrill, he was a Senior Investment Strategist at Wells Fargo Private Bank and served as a Senior Portfolio Manager at HighMark Capital Management. His expertise spans areas such as education planning, executive compensation, family wealth management, legacy planning, liquidity management, and socially responsible investing. He holds an M.B.A. from the Paul Merage School of Business at the University of California, Irvine, and a bachelor's degree in Psychology with a minor in Economics from the University of California, San Diego. His education also includes a year of study at the University of Reading in England. Ahmed is a Chartered Financial Analyst® (CFA®) and a CERTIFIED FINANCIAL PLANNER™ (CFP®). He serves on the Board of Directors and the Finance Committee of LifeMoves, a Bay Area nonprofit supporting homeless families and individuals. Ahmed is a member of the CFA Society of San Francisco and resides in San Mateo with his wife and two children. In his free time, he enjoys traveling, playing golf, tennis, basketball, and playing guitar.

Jose Villalobos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Bank of America, N.A./Merrill Lynch for eight years and has a background that includes legal experience at the Law Offices of Andrew B. Shin. Villalobos holds a Series 66 designation and is based in San Jose, CA. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Tony Montini is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding a Series 66 designation and 9 years of industry experience. He has been with Wells Fargo Advisors since 2016. Montini owns LAM Financial Inc., an investment-related business based in San Jose. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes niche services such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Khiet Huynh is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney and CitiGroup Global Markets Inc. since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Prashant Dholakia is a Planning Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he focuses on providing clients with options aimed at achieving financial independence. Prior to his current position, he worked as a Relationship Manager at Fidelity Investments from 2022 to 2024. Before joining Fidelity Investments, Prashant was employed as a Relationship Banker at Wells Fargo Bank from 2019 to 2022. He holds a California Insurance License, which supports his expertise in financial planning and client relations. Outside of his professional responsibilities, Prashant has interests in hiking, traveling, and yoga.

Kanak Agarwal is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2025. Kanak has been with Fidelity since 2021, initially serving as a Financial Consultant. Prior to joining Fidelity, Kanak worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021, and as an Investment Consultant at Scottrade from 2017 to 2018. Earlier, Kanak gained experience as a Personal Banker at Wells Fargo from 2012 to 2017. Kanak holds a California Insurance License. As a financial consultant, Kanak focuses on working closely with clients to understand their goals, concerns, and preferences in order to develop customized financial plans. Kanak emphasizes providing education, guidance, and maintaining ongoing personalized relationships with clients. Outside of work, Kanak enjoys cooking and baking, participating in family activities, outdoor adventures, and traveling.

James Morimoto is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Morgan Stanley Smith Barney LLC and previously worked at Schwarz Dygos Wheeler Investment Advisors. Outside of finance, he is involved with Arbiter Sports as a referee. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery, firm-approved tools, and modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Ken Zhang is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses. He has 24 years of industry experience, including prior roles at Scottrade and Bank of America. Outside of his advisory work, he is associated with The KP Living Trust. Merrill, along 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Pierre Robin Dualan is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2011. His background includes a seven-year tenure with the Golden State Warriors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Cindy Gray is a financial advisor with Wells Fargo Clearing in Los Gatos, CA, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo Clearing and Wells Fargo Advisors LLC since 2011. 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 grounded in modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options among its investment menus, serving institutional clients with tailored plan solutions.

Katie Bogue is a financial advisor at LPL Financial with eight years of industry experience. She holds a Series 66 designation and previously worked at Waddell & Reed Inc. and Marquez Hsieh Group. 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 provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.