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 with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 25 years of industry experience. He previously worked at Charles Schwab for 18 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its financial planning process.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding a Series 66 designation and 16 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 in Sunnyvale, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Charles Schwab since 2021 and previously was with Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment advisory services supported by centralized custody and operational infrastructure.

Jacques Shepherd is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services. Shepherd is based in Palo Alto, CA. 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 combines large institutional advisory operations with broker-dealer and investment adviser registrations.

Jan Doernte is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and modeling techniques, serving clients through both direct engagements and corporate financial planning agreements.

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.

Matthew Jacksteit is a CFP® professional with 14 years of experience in the financial industry, currently serving at Edward Jones since 2011. He participates actively in community affairs through roles including chairing the Business & Policy Committee of the Sunnyvale Chamber of Commerce and serving on the Measure G Citizens Oversight Committee in Sunnyvale, CA. Edward Jones is a full-service wealth management firm serving over four million clients across individual, institutional, corporate, and charitable sectors. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Rohn is a CFP® credentialed financial advisor with 13 years of industry experience, currently with Ameriprise in Campbell, CA. He previously worked at Edward Jones and held various roles in financial services and technology firms including Lyft, Facebook, and Bank of America. Outside of his advisory work, he serves as Vice President on the Board of Trustees for the Mountain View DeAnza Masonic Lodge and works as a driver for Lyft. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm’s approach incorporates proprietary research and third-party data within a defined investment universe linked to its affiliated products and distribution arrangements.

Niya Xie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and its securities affiliates. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Chang is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 66 and Series 63 licenses and has been with LPL Financial since 2014. In addition to his advisory role, he works as a non-variable insurance agent based in San Jose, CA. 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 advisors. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and a variety of investment strategies.

Alison Jones is currently the Branch Leader at Fidelity Investments in Campbell, where she works with her team to facilitate relationships with clients and develop positive lifetime partnerships. She has been with Fidelity since 2018, advancing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked in new client development at TD Ameritrade. Alison holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, exploring food as a foodie, gardening, running, playing tennis, and traveling.

Susan Markham is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held positions at Morgan Stanley from 2009 to 2022 before joining UBS in 2022. Her credentials include Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management, offering services such as futures commission merchant activities, principal trading, and proprietary research.

Cameron Briggs is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has held various positions within Fidelity Investments since 2021, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to his tenure at Fidelity, Cameron gained experience as a Wealth Management Intern at Morgan Stanley from 2019 to 2020. Cameron is licensed with a California Insurance License, enabling him to provide investment and retirement guidance tailored to the unique situations of his clients. He utilizes historical data and Fidelity's statistical analysis to partner with clients and offer suggestions throughout each phase of their financial circumstances. Outside of his professional work, Cameron has interests in baseball, fitness, social events with friends, horseback riding, and surfing.

Royston Hung is a Senior Financial Advisor at Merrill Lynch Wealth Management, located in San Jose, California. He began his career at Merrill Lynch Wealth Management in 2011 at Menlo Park, CA. Royston provides financial strategies tailored to small business owners, corporate executives, high-net-worth individuals, and their families by developing plans aimed at meeting their financial goals. He emphasizes consultative and objective advice, focusing on liability-driven investing, asset allocation, and tax efficiency. Royston's approach includes listening to clients to understand their financial priorities and goals before offering recommendations that consider income, growth expectations, time horizon, risk tolerance, and liquidity needs. His services encompass retirement planning, investments, education, estate planning, and philanthropy. Royston holds a Bachelor's degree in Economics with a minor in Financial Accounting from the University of California, San Diego. He has been investing since 2008 and followed the markets during his studies. He is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Nida Memon is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at several firms, including JP Morgan Chase Bank, First Republic Securities Company, and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Steven Zeller is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.