Balasubramanyam Karanam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked with J.P. Morgan entities continuously since 2012. Outside of his advisory role, he is a co-owner and landlord of a rental property in Bangalore, India. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its program on a non-discretionary basis.

Daniel Sandoval is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has been with RBC since 2018. Prior to that, he worked at Raymond James and its affiliated insurance group from 2015 to 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s advisory risk profile.

Minh Le is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 66 and Series 63 licenses. He has five years of industry experience, including prior roles at HSBC Bank (Vietnam) Ltd and HSBC Bank USA. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Yuan Ting Wang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Securities LLC and J.P. Morgan Chase Bank since 2013. J.P. Morgan Securities LLC 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 brokerage, distribution, and investment management capabilities.

Boris Spasojevic is a Financial Consultant currently working at Fidelity Investments since 2019. In this role, he partners with clients to develop financial plans and investment strategies tailored to their unique needs. He focuses on helping individuals and families work toward their life goals through disciplined planning and investing. Prior to his current position, Boris served as a Financial Adviser at JPMorgan Chase from 2012 to 2019. He holds a California Insurance License, which supports his professional services in the financial sector.

Amit Chadha is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Fidelity Brokerage Services LLC, and St. James's Place Wealth Management. 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 combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Alexander Hayes is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 26 years of industry experience. He previously worked at Invesco Distributors, Inc. and OppenheimerFunds. Hayes is also involved with AJ Wealth & Legacy, LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Daniel McGovern is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. In this role, he employs a comprehensive wealth planning process to assist clients in working towards their personal and professional financial goals. His approach is guided by his family motto, "Serviendo Guberno," which means "to govern by serving." This philosophy underpins his commitment to helping clients manage their finances through dedicated service and guidance. With over 25 years of experience in the financial industry, Daniel's career includes roles such as Vice President Director at Polaris Greystone (2015-2017), and Financial Advisor positions at Merrill Lynch, HSBC, and JP Morgan. His background also includes positions as Director of Investment Sales at Lord Abbett and a Trader at RBC Dominion. Daniel began his career with an internship and various roles at Merrill Lynch, and as an Investment Banking Analyst at WM Sword & Co. Daniel holds a California Insurance License. Outside of his professional commitments, he has interests in art, beach activities, family engagements, fitness, golf, and museum visits.

Shao Te is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2011. He is based in Palo Alto, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Shruti Gauba is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has been with J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC 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 brokerage, distribution, and investment management capabilities.

Douglas Ingham is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 2000. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach involves structured discovery conversations and firm-approved planning tools, supporting a broad spectrum of investment and financial planning needs.

Veronica Parengkuan is a financial advisor with LPL Enterprise holding a Series 66 designation and five years of industry experience. Her background includes roles at The Prudential Insurance Company of America, Mass Mutual Investors Services, and Dell. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management programs through a platform that integrates advisory services with brokerage and insurance products.

Thach Nguyen is a financial advisor at Morgan Stanley with eight years of industry experience. He previously worked at RBC Capital Markets and held roles at Transamerica Financial Advisors, Realty One Group-Infinity, and World Financial Group. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment modeling techniques.

Molly Pratt is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, having previously been employed at Bank of America, N.A. from 2015 to 2020. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sneha Karihaloo is a financial advisor at Charles Schwab with eight years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at Farmers Financial Solutions, Farmers Insurance Group, and SSFINSURE. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios with strategic asset allocation and alternative investment options.

Shabana Sobhan is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this position, she focuses on helping clients pursue their financial goals through in-depth, customized planning. She aims to build relationships, educate clients, and assist them in leveraging Fidelity's resources to establish and maintain a strong financial future. Prior to joining Fidelity Investments, Shabana worked as a Private Client Banker at JPMorgan Chase from 2016 to 2023. Her experience in these roles centers on financial planning and client relationship management. Outside of her professional work, Shabana has personal interests that include board games, concerts, museums, reading, scuba diving, and volunteering.

Melvin Honda is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 43 years of experience in the industry, including prior roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he operates as an independent insurance agent specializing in dental, disability, life, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management services through structured, collaborative engagements using firm-approved analytical tools.

Phong Ly is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and eight years of industry experience. His work history includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank, and Chase. J.P. Morgan Securities LLC 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Investacorp Inc. Since 2009, he has also operated an investment-related business, Trinity Financial Services, where he serves as owner. OSAIC serves a diverse client base including individual investors, corporations, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to multiple advisory platforms and third-party money managers.

Michael Santangelo is a Series 66 licensed financial advisor with 11 years of industry experience, currently working at J.P. Morgan Securities in Los Altos, CA. He has been with J.P. Morgan entities since 2014, including roles at JPMorgan Chase Bank, N.A. Outside of his advisory work, he has been involved with community church organizations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.