Aaron Nichols is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63, 65, and 66 licenses and 22 years of industry experience. His prior roles include positions at First Republic Investment Management and Charles Schwab. Outside of finance, he is a passive investor and owner partner of Hope Management LLC, a real estate and hospitality company operating a winery in Napa, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with a forward-looking capital market approach and includes ESG considerations.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Brandon Sass is a financial advisor with Primerica Advisors based in San Jose, CA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. He has worked with PFS Investment Inc. and Primerica Financial Services since 2003 and has been self-employed since 2002. In addition to advisory services, he is involved in sales of loan products and home-related services through affiliates of his firm. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Michael Sandoval is a Financial Advisor with Merrill Lynch Wealth Management. In his role as a Merrill Financial Solutions Advisor, he works closely with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He specializes in understanding clients' individual priorities, including general investing, retirement planning, and saving for unforeseen expenses. His approach involves getting to know clients to create personalized financial plans that address their unique needs. Michael holds a Bachelor's Degree from California State University and has earned professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA).

Alexander Gast is a Financial Advisor associated with Merrill Lynch Wealth Management, specializing in retirement planning and portfolio management services. He focuses on developing personalized financial strategies tailored to each client's goals, risk tolerance, time horizon, and liquidity needs. Born and raised in San Jose, Alexander's connection to his community is rooted in personal experience. Specifically, the 2008 financial crisis, during which his family lost their home, influenced his commitment to helping clients navigate their financial futures securely. His areas of expertise include equity compensation services, personal retirement planning, and retirement income strategies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Alexander obtained a High School Diploma/GED from New Valley High and attended Mission College without earning a degree. He resides in San Jose with his wife, who is expecting their second child, and his 11-year-old son. Alexander enjoys chess, football, golfing, music, running marathons, and tennis. He is involved in the community through organizations such as First Tee, Sacred Heart Food Bank, and the San Jose Country Club.

Robert Wolffe is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Lucas Andrighetto is a financial advisor at Morgan Stanley with Series 66 credentials and three years of industry experience. He has been with Morgan Stanley since 2022 and also has business involvement with DubClub, a technology venture, and Shasta Produce Co., a wholesale distribution company. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and offers a wide range of investment and financial solutions.

Mikhael Turcan is a Planning Consultant with Fidelity Investments, where he assists individuals and families in making informed financial decisions and developing strategies aligned with their long-term goals. His work centers on retirement planning, investment guidance, and overall financial wellness. Prior to his current role, Mikhael served as a Relationship Manager at Fidelity Investments from 2025 to 2026. Before joining Fidelity, he held positions at Dunham as a Business Development Associate from 2023 to 2025 and as a Regional Sales Associate from 2022 to 2023. Mikhael holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, football, music, spending time with pets, and snowboarding.

Patrick Heslip is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC, he held various roles including positions at UC San Diego and California Volunteers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by structured discovery processes and firm-approved tools.

Donna Young is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch Pierce Fenner & Smith Incorporated since 2013. Merrill, along 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 range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Spence is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes structured planning tools and methodologies to support its financial planning services.

Crispin Hanshaw is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2020, following 18 years at Charles Schwab. Based in Palo Alto, CA, Hanshaw focuses on providing advisory services under a major wealth management firm. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling to support its advisory process.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2003 and 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 offers a broad range of brokerage and advisory solutions supported by research and analytics from its investment institute.

Vladimir Martynov is a Vice President and Financial Consultant currently working at Fidelity Investments since 2019. He has over a decade of experience in the financial industry, having previously served as Vice President Financial Advisor at JPMorgan from 2012 to 2019. His professional expertise includes retirement income planning, long-term investment strategies, disciplined portfolio construction, and tax-efficient investing. Vladimir holds a California Insurance License. Outside of his professional career, he has personal interests that include cars, fitness, parenthood, skiing, soccer, and traveling.

Ryan Brown is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 20 years of industry experience. He previously worked at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. Brown is also involved in managing several private business entities unrelated to investment advisory services. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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 management, supported by centralized operational and custody arrangements.

Jacques Shepherd is a Series 66 licensed financial advisor with six years of industry experience, currently with J.P. Morgan Securities in Palo Alto, CA. His prior experience includes roles at UBS Financial Services and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Jan Doernte is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and financial planning services.

Wei Zhai is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, Wei worked at PointNemo Enterprise for two years and has an academic background that includes positions at Central University of Finance and Economics and the University of Bristol. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related services, offering a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Laura Leavitt is a CFP®-certified financial advisor with over 30 years of industry experience. She is currently with Cetera and has held roles at several firms including Voya Financial Advisors and Good Life Financial Group. Leavitt is also president of Sam Granato Insurance Services, Inc., an insurance agency she has managed since 1993. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

John Concepcion is a Financial Consultant currently working at Fidelity Investments since 2021. He has held the role of Financial Consultant at Ameritas from 2020 to 2021 and served as Vice President and Senior Advisor Consultant at Franklin Templeton from 1998 to 2020. Throughout his career, John has developed financial plans tailored to his clients' needs, allowing them to focus on their lives and personal pursuits. He holds a California Insurance License.