Eatan Vijan is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Avantax and TD Ameritrade. Vijan is the founder and president of Naimava Capital Management Group, an investment management and financial advisory business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform with access to affiliated and third-party money managers.

Nolan Michaels is a CFP® and holds a Series 66 license with four years of experience in the financial industry. He has worked at Charles Schwab, Fidelity Investments, Morgan Stanley, Royal Bank of Canada, and Merrill Lynch. Outside of financial services, he has been involved with Room to Read. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with brokerage, custody, and cash-sweep services. The firm’s scale and integrated operational structure distinguish it within the wealth management industry.

Salvador Fernandez Sandoval is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining J.P. Morgan Securities in 2024, he worked at JPMC Bank NA and Bank of America, and earlier held positions in the retail sector. J.P. Morgan Securities 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.

Madiyar Rakhymzhan is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at Fidelity Investments, J.P. Morgan Securities, and Apple. 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 both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

James Oszust is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at JP Morgan Securities and First Republic Bank. 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 through a large network of over 14,000 advisors, offering a range of brokerage and advisory solutions supported by research and analytics.

Alexander Lamont is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He assists clients in managing their wealth by providing investment insights and access to banking and lending solutions through Bank of America. With a focus on helping clients handle various financial priorities, including home purchases, education savings, and healthcare planning, Alexander defines goals collaboratively and chooses portfolio strategies designed to achieve them. He offers ongoing advice and adapts portfolios as clients' situations evolve. Alexander holds a Bachelor's Degree from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) designation.

Demetrios Zarefakis is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 credential and 15 years of industry experience. His prior roles include positions at U.S. Bank and U.S. Bancorp Investments, Inc. He is also involved with Fremont Bank. Outside of advisory work, he has ownership in a real estate rental business. LPL Financial serves individual and institutional clients nationwide, offering a range of advisory programs and financial planning services with both discretionary and non-discretionary portfolio management approaches.

Lora Williams is a financial advisor at Merrill in Palo Alto, CA, with 25 years of industry experience. She holds a Series 66 license and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated for 20 years. 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. The firm offers model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maicie Levitt is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation. She began her career at Morgan Stanley in 2025 and has prior experience in coaching softball at Norcal Fusion. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Mohammed Khan is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab since 2003. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, leveraging multi-asset model portfolios and alternative investment options within an integrated operational structure.

Ronni Andrews is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC from 2015 to 2021 and again since 2022, with a one-year tenure at RBC Capital Markets in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s planning process uses structured discovery conversations and firm-approved tools but does not provide individual security recommendations as part of the standalone planning service.

Casey Korsak is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he serves as a trustee for his mother. 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 approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ramon Ware is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he operated RW Leadership Coaching LLC for five years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic methods in its investment process.

Rowell John dela Rosa is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2025. In his current role, he partners with clients to understand their personal and financial goals and collaborates with them to develop tailored financial plans. He holds a California Insurance License which supports his work in financial planning and client advisory. Outside of his professional responsibilities, Rowell enjoys watching movies and running.

Amy Oliver is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. She also serves on the board of directors for The Club at Westpoint, a private social and yacht club, where she will chair the membership committee. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing proprietary research and model-based asset allocations to tailor financial plans. The firm combines wealth management with institutional trading capabilities, including principal trading and market-making, providing a broad range of services beyond standard advisory functions.

Jerry Khamnivong is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and previously worked at JPMorgan Securities LLC for eight years before joining Wells Fargo in 2024. Wells Fargo Advisors serves individual, corporate, and institutional clients, including pension and charitable organizations, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Julian Demalleville is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and bringing nine years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Ameriprise Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services, with a notable range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Lee Richlin is Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Lee assists clients in understanding their financial situations, planning for future financial needs, and making informed decisions for their present and future financial well-being. Lee's professional experience includes various roles at Fidelity Investments, starting as an intern in 2012 and progressing through positions such as Financial Representative and Relationship Manager before attaining the current role. Additionally, Lee worked as an Internal Sales Executive at Vanguard from 2017 to 2019. Lee holds a California Insurance License. Outside of professional activities, Lee's personal interests include comedy, concerts, pets, and table tennis.

Dan Santillan is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has previously worked at BMO Bank NA, BancWest Investment Services, and Wells Fargo in various roles. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by research and model portfolios.

William Hains is a financial advisor with Morgan Stanley, holding a Series 66 credential and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017, and previously held roles at Sanctuary Securities, LLC and Three Bridge Wealth Advisors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone financial plans.