Andrew Kropp is a financial advisor with Morgan Stanley, holding a Series 66 designation and two years of industry experience. He has worked in various roles, including positions at Morgan Stanley Private Bank and Northwestern Mutual. Outside of finance, he has been involved with entrepreneurial ventures such as Speedy Racket Stringing and Courtside Racket Sports LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and modeling techniques.

Joseph Nelson is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 designations and having 35 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC, and UBS Financial Services. Wells Fargo Advisors serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support a diversified, modern portfolio approach.

Flor Santana is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL Financial in 2009, Santana worked at Citigroup Global Markets and UBS Financial Services. Santana also teaches at the College of San Mateo. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by research tools and a broad network of over 22,800 advisors.

Moreen Latchman is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities for 12 years before joining Wells Fargo Clearing in 2024. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Craig Meier is a financial advisor with Wells Fargo Clearing in San Leandro, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Daniel Jackson is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2013. Outside of his advisory role, he is a shareholder in an investment-related business, Michael J. Ryan and Associates, based in San Mateo, CA. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing structured planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate agreements.

Walter Gowen IV is a financial advisor with Fisher Investments in San Mateo, CA, holding a Series 65 designation and with 7 years of industry experience. He has been with Fisher Investments since 2012. Fisher Investments serves a diverse global clientele, including institutional and private investors such as pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process that integrates quantitative and qualitative research to construct globally diversified portfolios, and offers additional services including sub-advisory and retirement plan management.

Brian Tucker is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at First Republic Securities Company and First Republic Bank for over a decade. Brian is based in Palo Alto, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, and incorporates ESG considerations while allowing clients to retain final decision-making authority.

Abu Farukh is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 46 years of industry experience. He has been with Raymond James & Associates since 2012. The firm is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. It serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Ava Hagen is a Planning Consultant at Fidelity Investments, working within the Santa Barbara branch. In her current role, she supports clients through financial planning conversations and collaborates with multiple Wealth Management teams. Prior to her current position, Ava served as a Relationship Manager and High Net Worth Associate at Fidelity Investments, gaining experience in client relations and wealth management from 2021 through 2025. She holds a California Insurance License. Outside of her professional work, Ava engages in activities such as beach outings, cooking and baking, reading, skiing, and swimming.

Sam Goerss is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he helps clients identify financial goals and build financial plans tailored to their needs. He has previous experience as a Financial Consultant at E*Trade Financial from 2019 to 2020, a Financial Professional at AXA Advisors, LLC from 2016 to 2019, and an Investment Advisor Representative at Securities America Inc. from 2015 to 2016. Sam holds a California Insurance License. Outside of his professional work, Sam has personal interests that include cars, fitness, outdoor adventures, pets, running, and traveling.

Shelley Boutelle is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank, N.A. since 2010. 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 a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robin Huang is a financial advisor at Morgan Stanley with three years of industry experience. He previously worked at Citigroup and First Republic Securities Company, LLC. Huang 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 supported by firm-approved tools and methodologies.

Angelo Galloway is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017, and previously at J.P. Morgan Chase Bank and J.P. Morgan Securities from 2015 to 2017. 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, offering a combination of non-discretionary and discretionary investment management, financial planning services, and a range of custodial and brokerage capabilities.

Christina Ward is a financial advisor at Raymond James & Associates with eight years of industry experience and holds a Series 66 designation. Prior to her current role, she worked at Accenture from 2015 to 2018. She is also the founder and director of Work for America, Inc., a non-profit organization focused on creating employment opportunities for adults with intellectual and developmental disabilities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting through various specialized programs and a range of portfolio management strategies.

Luis Castro is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works collaboratively with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term objectives. He provides guidance on various financial topics, including general investing, retirement planning, and preparing for unexpected expenses. Luis holds the Personal Investment Advisor (PIA) designation. He has completed an Accredited Certificate Program from the London School of Economics and earned a Bachelor's Degree from the University of Southern California. He also holds a High School Diploma from Woodside Priory. Luis supports clients by connecting them with specialists from Bank of America in areas such as banking, credit, home financing, and small business solutions, providing comprehensive financial advice that adjusts as clients' needs evolve.

Tyler Jones is a Series 66-licensed financial advisor with Morgan Stanley in San Mateo, CA, bringing four years of industry experience. Before joining Morgan Stanley in 2021, he worked at Citibank and Bank of America. Outside of his advisory role, he teaches mathematics fundamentals to students. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that integrates firm-approved tools and modeling techniques.

Michelle Ovalle is a Series 66-licensed financial advisor with J.P. Morgan Securities in Palo Alto, CA. She has been in the industry since 2023, holding positions at JPMorgan Chase Bank, N.A., and First Republic Bank prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process employs centralized due diligence combining quantitative and qualitative research and may incorporate an ESG eligibility framework.

John Lamesajan is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Wells Fargo Clearing, Morgan Stanley, E*TRADE, Edward Jones, and JP Morgan. 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 plans, corporations, and charitable organizations.

Thomas Quinby is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2023. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, with an emphasis on assets held in Ameriprise-managed accounts and the use of algorithmic automation in generating recommendations.