Joseph Lawrence is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and having 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2010. Outside of finance, he is involved in the hospitality industry through ownership of Amber India Restaurant. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Gino Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He brings over 8 years of experience in the securities industry, including his previous role as a Private Client Advisor at J.P. Morgan. In that capacity, he specialized in assisting affluent bank clients by offering tailored solutions for complex personal and business financial needs through Wealth Management Platforms. Gino focuses on providing personalized advice grounded in financial analysis, aiming to help clients meet their short- and long-term goals. His expertise covers areas such as employee benefits planning, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategy. Gino holds a Bachelor of Science in Commerce from the University of Santo Tomas and the Personal Investment Advisor (PIA) designation. Outside of his professional commitments, Gino resides in San Francisco with his wife Alma and their two children. He enjoys playing golf, reading, and spending time with his family. Additionally, he participates in community activities, reflecting the tradition of community involvement upheld by Merrill.

Raymond Ruan is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to understand their financial goals and develop personalized financial plans tailored to their unique needs. Prior to joining Fidelity Investments, he was an Assistant Vice President and Financial Solutions Advisor at Merrill Lynch from 2009 to 2012, and before that, a Personal Relationship Advisor at Citicorp Investment Services from 2006 to 2009. Raymond holds a California Insurance License. Outside of his professional responsibilities, he has interests in art, hiking, museums, photography, and traveling.

Elier Peraza is a CFP® professional with 19 years of experience in the financial services industry. He is currently with Cetera and has held various roles at firms including Avantax and Johanson & Yau, where he serves as Director of Financial Services. In addition to his advisory work, he has acted as a temporary independent trustee for an irrevocable trust. Cetera Investment Advisers LLC serves a broad client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services. The firm operates as a multi-manager platform, allowing advisors to implement diverse investment strategies and program options across discretionary and non-discretionary accounts.

Vera Laver is a financial advisor at Edward Jones in Sunnyvale, CA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones, she worked at firms including Raymond James and has been involved in various roles since 2007. Outside of financial advising, she provides notary services in California, including document notarization and wedding services. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Leo Meneses is a Senior Financial Advisor at Merrill Lynch Wealth Management. He offers a comprehensive approach to wealth management that begins with understanding a client's family, financial situation, and priorities. Leo helps clients develop customized strategies that are adaptable to changing needs and market conditions, utilizing investment insights from Merrill and banking services from Bank of America. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income planning. Leo holds a Bachelor's Degree from San Jose State and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Leo is involved in the community as a Millbrae Recreation Baseball Coach. He enjoys spending time with his family and engaging in activities such as baseball, biking, football, hiking, reading, running, swimming, traveling, and watching movies.

Brandon Seanez is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. Prior to his advisory role, he had experience in the hospitality and wine industries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing a broad range of solutions including portfolio management, financial planning, and capital markets activities.

Raymond Kong is a financial advisor with LPL Financial in San Jose, CA, holding a Series 66 license and 22 years of industry experience. His prior work includes nearly two decades at Avantax Advisory Services and related entities, and he has operated a tax preparation and accounting business since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various financial products.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Jacob Rabin is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Carbahal and Company, and Upwelling Capital. 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 both brokerage and advisory solutions supported by research and analytics.

Glynis Wineinger is a financial advisor at Edward Jones with 29 years of industry experience. She has held her role at Edward D. Jones & Co., L.P. since 1996. She holds the Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Mathew Mcclain is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked with Wells Fargo Investments, LLC from 2003 to 2011. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Gerdts is a financial advisor with Raymond James & Associates in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He previously worked at Wells Fargo Clearing and A. G. Edwards & Sons. 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 public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services with a range of portfolio management styles and affiliated research resources.

Khoi Le is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has an extended tenure at Wells Fargo Bank, NA starting in 2008. 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 operates both brokerage and advisory platforms.

Calvin Shiu is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63 and 66 licenses. He has 24 years of industry experience, including prior roles at Morgan Stanley Private Bank and Uvest Financial Services Group. Outside of finance, he owns and operates an online coffee K-Cup sales business based in Santa Clara, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Jack Hsia is a financial advisor with Wells Fargo Advisors and holds a Series 66 credential. He has 22 years of industry experience, having worked previously at Merrill, Wells Fargo Clearing, Banc of America Investment Services, and Ameriprise. Outside of advising, he has ownership interests in a manufacturing company, Union Tech Co, LLC. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop recommendations delivered through meetings and written summaries.

Daniel Dipietro is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses. He has two years of industry experience and has worked at several firms including Bank of America, Merrill, JPMorgan Chase, Northwestern Mutual, and T3 Trading Group. Outside of finance, he has prior experience in the restaurant industry and worked at University of California - Santa Cruz. 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Lawrence Lo is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2019, having been with Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets from 1998 to 2009. He is based in San Jose, California. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm uses structured discovery processes and advanced planning tools, managing approximately $2.74 trillion in client assets.

Brandon James is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Charles Schwab since 1997 and Charles Schwab Bank since 2008. Outside of his advisory work, he owns a rental property managed by its residential HOA. 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. The firm combines non-discretionary advisory relationships with discretionary separately managed accounts, using multi-asset model portfolios and a structured approach to alternative investments.

James Marguet is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 43 years of industry experience. His career includes long tenures at Citigroup Global Markets and Morgan Stanley Smith Barney, currently serving at Morgan Stanley Private Bank. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and strategies.