Donald Tonelli is a financial advisor at OSAIC with over 53 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes nearly three decades at Foothill Securities, Inc. and eight years at Securities America Advisors, Inc. Tonelli also maintains a long-standing arrangement as a licensed real estate broker referring prospects to Keller Williams Realty. OSAIC is a large multi-advisor platform serving retail and institutional clients with brokerage and advisory services, offering diversified investment programs and a model-based approach to asset allocation and portfolio optimization.

Michael Caulkins is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial (formerly Linsco Private Ledger) since 2005. Outside of his advisory role, he operates a DBA called Solutions Wealth Management. 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 advisory and brokerage services, including financial planning and model portfolio programs, and supports advisors with research tools and diverse investment strategies.

Michael Tong is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and 21 years of industry experience. His prior roles include positions at Bank of America, Merrill, and HSBC Securities. Outside of his advisory work, he is involved in real estate ownership of multi-family properties. 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, dependable income sources, and tax-aware withdrawal strategies.

Andrew D. Ferguson is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Ferguson has served as a trustee for Marietta College and is involved locally as a board member of the Los Gatos Education Fund and an advisory committee member for the Los Gatos Union School District. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services through a comprehensive platform.

Sanjay Rajwani is a financial advisor with Charles Schwab holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at TD Ameritrade, Inc. before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base of 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 advisory guidance and access to discretionary separately managed accounts.

Jeffrey Gustafson is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and has worked previously at Lincoln Financial Advisors, LPL Financial, and Associated Planners Investment Advisory Inc. Outside of his advisory role, he is also licensed to offer various insurance products including accident and health, disability, long-term care, traditional life insurance, and annuities. OSAIC serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform. The firm uses a model-based investment process that emphasizes asset allocation, portfolio optimization, and offers both discretionary and advisor-managed strategies supported by multiple custodial and third-party platforms.

Paula Allen is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked at LPL Financial since 2017 and previously was employed at Transamerica Financial Advisors, Inc and WFG. Outside of advising, Paula operates a tax preparation and accounting service as a CPA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Phuong Mai is a financial advisor at Ameriprise with nine years of industry experience and a Series 66 designation. She previously worked at Kestra Advisory and Transitions Wealth Advisors and has provided comprehensive financial planning, risk management, and asset management services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Debby Kurniawati is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at U.S. Bank, Unionbanc Investment Services, and MUFG Union Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Nina Reyes is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and 17 years of experience with the firm. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to support its financial planning process.

Daniel Dols is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has been with Fidelity Investments since 2021, previously holding roles as an Investment Consultant and Financial Representative. Daniel brings a personal understanding of the financial challenges faced by clients in Silicon Valley, drawing on his background as the son of immigrants and his local upbringing. Daniel holds a California Insurance License. Outside of his professional work, he has interests in cars, food, social events, golf, hiking, and traveling.

Matthew Reinhardt is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Buckingham Strategic Wealth and The Colony Group. Reinhardt is involved in accounting and bookkeeping for a real estate-related business outside his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Lyle Smith is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with Merrill since 1983 and concurrently with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Hung Nguyen is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Cetera and its affiliated entities since 2013, working in the San Jose, CA area. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options and custodial relationships.

Hong Phuc Duong is a financial advisor with Merrill in San Jose, CA, holding Series 63, Series 65, and Series 66 designations and six years of industry experience. His previous positions include roles at Bank of America, U.S. Bank, Guaranteed Rate Affinity, CitiGroup Global Markets Inc, and J.P. Morgan Securities LLC. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Haoyi Luo is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Luo worked at CitiBank from 2018 to 2022 and held roles at My Wireless between 2015 and 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by structured discovery conversations and firm-approved tools.

Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Zhiqi Tang is a financial advisor at Ameriprise with Series 63 and Series 66 designations and three years of industry experience. Prior to joining Ameriprise, Tang worked at Houlihan Lokey Capital, Inc. for three years and has held roles at several other firms including PwC and Everbright Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, which provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Adoree Lee is a financial advisor at Morgan Stanley in San Jose, CA, with 17 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at Merrill for 16 years and Rockefeller Financial LLC for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass comprehensive planning and investment management.