Maninder Budwal is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2025 and also has a longstanding role at Patelco Credit Union since 2010. 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, financial planning, and brokerage services with both discretionary and non-discretionary management options, supported by proprietary and third-party research.

Barbara Erickson is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. She holds Series 63 and Series 65 licenses and has 26 years of industry experience. Erickson has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. She serves on the investment committee of the Grace Lutheran Church Endowment in Palo Alto. 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 a range of brokerage and advisory solutions supported by research and analytics.

Samuel Lacy is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Donnie Ayers LLC and earlier stints at Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools, serving clients primarily in an advisory capacity without individual security recommendations.

Andrew Andrikopoulos is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Ameriprise since 2011. Outside of his advisory role, he is a co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jaz Lail is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Jaz served as a Planning Consultant at Fidelity Investments from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Financial Representative from 2021 to 2023. Jaz focuses on holistic planning, aiming to empower individuals and families to work towards their financial well-being by integrating financial expertise with an understanding of clients' values and aspirations. Jaz holds a California Insurance License, supporting their professional capabilities in financial consulting. Outside of work, Jaz has interests in cars, concerts, fitness, outdoor adventures, pets, and snowboarding.

Kunjie Ou is a financial advisor at Charles Schwab in Cupertino, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo, where he worked for a total of 19 years. Charles Schwab & Co., Inc. serves primarily 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 a mix of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence from its research center.

Davinder Gupta is a financial advisor with Edward Jones in Los Altos, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Edward Jones, he held positions at Prudential Insurance Company of America, Woven By Toyota, Roche, and Adobe Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and pension plans. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Yupeng Yang is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2020, Yang worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2019 to 2020, and at Bank of America from 2017 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning that incorporates firm-approved tools and market outlook models.

Richard Lewis is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and four years of industry experience. He has been with Mass Mutual Investors Services since 2020 and has over a decade of experience with MassMutual Life Insurance Company and EVCO Insurance Services Inc., where he also works as a sales agent specializing in individual and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, educational seminars, and specialized services including divorce planning, estate settlement, and employer-sponsored programs.

Joanne Cirocco is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Seyednaser Mousavi is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation with four years of industry experience. He has previously worked at Bank of America since 2017 and briefly at Bank of the West in 2017. 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, and institutional investors.

Daniel Ayala Jr. is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank since 2007, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is based in Los Gatos, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Daryl Dehn is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients as part of one of the top teams in Silicon Valley. In this role, he works closely with individuals to help them achieve financial independence by developing personalized financial strategies tailored to their unique goals. Daryl emphasizes honesty, transparency, and fairness throughout his advisory process, leveraging the resources and insights of Merrill and Bank of America to provide comprehensive wealth management solutions. His expertise spans a broad range of client focus areas, including college education planning, equity compensation services, family wealth management, retirement income, and services for defined benefit plans. Daryl collaborates with clients to translate their aspirations into specific investment objectives and actively manages portfolios designed to pursue long-term financial success. Daryl holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Valley Christian. He is involved in community organizations such as HRC and the LGBT Youth Center, reflecting his commitment to giving back and supporting the communities he serves. Outside of his professional work, Daryl enjoys biking, boating, hiking, horseback riding, ice hockey, music, running, and spending time with his family.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is involved in spiritual development education as a teacher and author, operating several related ventures focused on energy healing and product creation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, utilizing structured planning tools and scenario modeling to support client goals.

Michael Ngo is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade in various roles since 2016. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Dante Collins is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. His background includes involvement with organizations supporting mental health and autism, such as Momentum for Mental Health and Autism Living Leisure Education and Nurturing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Mark Beach is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory role, he owns a for-profit investment business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager research, and customized performance reporting through a non-discretionary program. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering a comprehensive range of advisory and brokerage services.

Michael Craig is a financial advisor with Merrill in San Jose, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Merrill since 1983 and also at Bank of America since 2009. 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 strategies for individuals, high-net-worth clients, and institutional investors.

William Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, California, holding a Series 66 credential with four years of industry experience. Prior to his current role, he spent six years at Los Gatos High School and has been affiliated with the University of Colorado since 2018. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Dino Marraccini is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with three years of industry experience. His prior work includes roles at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill Lynch, and earlier positions in retail and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.