Richard Fulton is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior work includes tenures at Wells Fargo Clearing and Wells Fargo Advisors, and he has been with Morgan Stanley since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Manoj Das is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He has worked at J.P. Morgan Chase Bank and Wells Fargo Advisors, holding a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Margaret Chan is a CFP®-certified financial advisor at OSAIC with 26 years of industry experience. Her prior work includes roles at Securities America and Foothill Securities, along with her ongoing involvement in accounting and tax consulting through Vasona CPA & Associates and Pacific CFO & Business Solutions. She also acts as an agent for long-term care insurance. OSAIC serves a wide range of clients—including individual investors, institutional clients, and charitable organizations—offering integrated brokerage and advisory services alongside multiple investment platforms. The firm employs a variety of asset-allocation tools and third-party managed-account solutions to construct diversified portfolios tailored to client risk profiles.

Brian Ramirez is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans tailored to their individual goals and circumstances. He emphasizes understanding clients' interests and passions to create flexible strategies that adapt to their evolving needs. Brian has been with Fidelity Investments since 2017, progressing through various roles including Financial Representative, Relationship Manager, and Planning Consultant before his current position. Prior to joining Fidelity, he held several positions at Wells Fargo Bank, starting as a Teller and advancing to Licensed Personal Banker. He holds a California Insurance License.

Trevor Schwartz is a CFP® with 31 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He has been with various branches of Raymond James since 2013. He is also the owner and lead advisor of Trevor Schwartz Investments, a support company operating under the Raymond James Financial Services umbrella. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad client base that includes high-net-worth individuals, corporations, pension plans, and charitable organizations.

Brian Shih is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation. He has prior work experience at Nimble Robotics, Amazon, and serves in the United States Army Reserve. His industry experience as a financial advisor is under one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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.

Alain Cousin is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Bank of America and Merrill for nine years combined and spent a year at Raiser LLC. Outside of his advisory role, he serves as a licensed soccer referee with the Peninsula Soccer Referee Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Brian Marquez is a financial advisor with LPL Financial based in San Jose, CA, holding Series 63 and Series 66 credentials and having 19 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc. and J.P. Morgan Chase Bank and J.P. Morgan Securities, where he worked for a decade. Marquez is involved in entrepreneurial ventures including family financial management and insurance brokerage activities. 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 brokerage services, employing both discretionary and non-discretionary management and utilizing model portfolios, third-party research, and advanced technologies.

Hoang Luu is a financial advisor at Morgan Stanley with two years of industry experience. Before joining Morgan Stanley, he worked at Johnson & Johnson Vision for six years and Abbott Medical Optics for an additional six years. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Jonathon Davidson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and JP Morgan Securities, among other roles. He was also the sole proprietor of Blake and Williamson, LLC, a holding company no longer in use. 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, institutions, and charitable organizations.

Aaron Nichols is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has worked at J.P. Morgan and First Republic Investment Management since 2012. Outside of his advisory role, he is a passive investor and partner in a hospitality venture centered on a winery in Napa, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm delivers non-discretionary services through a select group of Wealth Advisors, applying an ESG eligibility framework when recommending strategies.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Brandon Sass is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 registrations and bringing 22 years of industry experience. He has worked with PFS Investment Inc. and Primerica Financial Services since 2003 and has been self-employed since 2002. In addition to investment advisory services, he receives non-investment related compensation for referrals of home security and automation products and loan products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating with a tiered wrap-fee structure rather than fixed fees.

Michael Sandoval is a Financial Advisor with Merrill Lynch Wealth Management. In his role as a Merrill Financial Solutions Advisor, he works closely with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He specializes in understanding clients' individual priorities, including general investing, retirement planning, and saving for unforeseen expenses. His approach involves getting to know clients to create personalized financial plans that address their unique needs. Michael holds a Bachelor's Degree from California State University and has earned professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA).

Alexander Gast is a Financial Advisor associated with Merrill Lynch Wealth Management, specializing in retirement planning and portfolio management services. He focuses on developing personalized financial strategies tailored to each client's goals, risk tolerance, time horizon, and liquidity needs. Born and raised in San Jose, Alexander's connection to his community is rooted in personal experience. Specifically, the 2008 financial crisis, during which his family lost their home, influenced his commitment to helping clients navigate their financial futures securely. His areas of expertise include equity compensation services, personal retirement planning, and retirement income strategies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Alexander obtained a High School Diploma/GED from New Valley High and attended Mission College without earning a degree. He resides in San Jose with his wife, who is expecting their second child, and his 11-year-old son. Alexander enjoys chess, football, golfing, music, running marathons, and tennis. He is involved in the community through organizations such as First Tee, Sacred Heart Food Bank, and the San Jose Country Club.

Robert Wolffe is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Lucas Andrighetto is a financial advisor at Morgan Stanley with Series 66 credentials and three years of industry experience. He has been with Morgan Stanley since 2022 and also has business involvement with DubClub, a technology venture, and Shasta Produce Co., a wholesale distribution company. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and offers a wide range of investment and financial solutions.

Mikhael Turcan is a Planning Consultant with Fidelity Investments, where he assists individuals and families in making informed financial decisions and developing strategies aligned with their long-term goals. His work centers on retirement planning, investment guidance, and overall financial wellness. Prior to his current role, Mikhael served as a Relationship Manager at Fidelity Investments from 2025 to 2026. Before joining Fidelity, he held positions at Dunham as a Business Development Associate from 2023 to 2025 and as a Regional Sales Associate from 2022 to 2023. Mikhael holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, football, music, spending time with pets, and snowboarding.

Patrick Heslip is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC, he held various roles including positions at UC San Diego and California Volunteers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by structured discovery processes and firm-approved tools.

Donna Young is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch Pierce Fenner & Smith Incorporated since 2013. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.