Nathaniel Lloyd is a financial advisor at J.P. Morgan Securities with a Series 66 designation and five years of industry experience. He has been with JPMorgan Securities and JPMorgan Chase Bank since 2020. Outside of his advisory role, he is also employed by JPMorgan Bank, where he offers certain deposit and credit products. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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 broker-dealer, investment adviser, and commodity futures registrations.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and previously worked at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Ryan Spencer is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked across several roles including at JPMorgan Chase Bank, N.A., Equitable Advisors, and Equitable Financial Life Insurance. Prior to entering the financial industry, he held positions in the hospitality and automotive sectors. 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 delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities, with recommendations made on a non-discretionary basis.

David Brown is a financial advisor with Primerica Advisors and holds Series 65 and Series 63 licenses. He has five years of industry experience and has worked with Primerica Financial Services since 1995. Outside of his advisory role, he is the founder and pastor of One Way Bible Fellowship and is the author of the book "It's Natural to be Gay," along with other faith-based writings. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm offers model-driven investment strategies supported by third-party asset managers and maintains a large advisory network with approximately $15.5 billion in assets under management.

Huayan Xiao is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Xiao worked at Bank of America and Tod's. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses internal and third-party investment models and supports various trading and account administration functions.

Jennifer Aguirre is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2023. Her background also includes roles at the University of Southern California, Loveshackfancy, and Deloitte. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Mei Xie is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at National Life Group, Oak Valley Community Bank, and Wells Fargo Bank. She also has experience with HomeSmart PV & Associates and Delight Signing LLC, and served at Redeemer Church for nine years. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutions.

Scott Belshaw is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at Morgan Stanley, Bank of America, and Merrill. He is also involved with FB Financial Services, a division of Fremont Bank, related to his LPL business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with access to model portfolios, research, and both discretionary and non-discretionary management options.

Daniel Price is a CFA® charterholder with 24 years of industry experience. He has been with Edward Jones since 2026 and previously worked at Natixis Advisors, LLC for 19 years. Daniel is based in San Francisco, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cody Smith is a CFP® credentialed financial advisor with 20 years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Summit Financial Group, where he has worked since 2010 and holds an active role as an independent contractor financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

David Chang is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. He previously worked at METLIFE Securities Inc and MassMutual Life Insurance Company. Chang serves as president of the Asian American Insurance & Financial Professional Association. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements, educational seminars, and specialized programs including divorce and estate-settlement planning.

Lulu Xiong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both J.P. Morgan and Citigroup in various capacities since 2014. 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 institutional advisory operations with brokerage and investment management functions, delivering recommendations on a non-discretionary basis.

Catherine Deane Gong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. Her background includes roles at TD Ameritrade and Charles Schwab Bank, with prior involvement in community and athletic organizations such as the Guadalupe-Nipomo Dunes Center and Cal Poly Athletics. 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 and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Robert Leland is a financial advisor at LPL Financial with 21 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 19 years. Leland holds the Series 66 designation and is based in San Mateo, California. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various management approaches.

Allan Alcayde is a financial advisor with LPL Financial in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 10 years with Woodbury Financial Services. Outside his advisory role, he is involved with FB Financial Services and Fremont Bancorp, entities affiliated with Fremont Bank related to his investment advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning, advisory programs, and retirement consulting services, utilizing discretionary and non-discretionary management with access to model portfolios and research from various sources.

Jonathan Martinez Cervantes is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial and Pace Supply Corp. He operates a business under the name Balanced Approach Wealth Management. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Tri Nguyen is a financial advisor at Morgan Stanley in San Francisco, CA, with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including GWFS Equities and LPL Financial. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients. The firm offers tailored financial planning supported by a structured process and utilizes tools such as Monte Carlo simulations but generally does not provide individual security recommendations as part of standalone planning services.

Josh Tanaka is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His previous roles include positions at GuardDog.ai and Hathaway Dinwiddie, as well as work connected to the University of Washington. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios composed of mutual funds, ETFs, and ETPs.

Charles Carter is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and was previously with Securities America, Inc. for 16 years. Outside of his advisory role, he is the sole proprietor of an insurance sales business focused on term life insurance and fixed annuities. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, investment advisory services, and access to third-party money managers and managed accounts. The firm utilizes quantitative tools and multiple advisory platforms to construct diversified portfolios tailored to clients’ risk tolerance and investment restrictions.

John Israel is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been in the financial services industry since 1999, working with clients and families to support their financial goals. His professional focus is on wealth planning and providing tailored strategies for a variety of investor styles. Before his current role, John worked as a Relationship Manager at Fidelity Investments from 2015 to 2019. Prior to that, he served as a Brokerage Consultant at Wells Fargo Advisors between 2011 and 2015. His earlier career includes roles at Crédit Agricole as an Internal Auditor Manager from 2007 to 2011 and as a Capital Market Operation Supervisor from 2005 to 2007, as well as an Associate in Capital Market Operations at American Express from 1999 to 2005. John holds a California Insurance License.