James Li is a Financial Consultant currently working at Fidelity Investments since 2022. He has held roles as a Senior Wealth Advisor at Citi Global Markets Inc in 2022, Financial Solutions Advisor at Merrill Lynch from 2018 to 2022, and Universal Banker at Unionbanc Investment Services from 2017 to 2018. His professional experience spans various aspects of financial consulting and wealth advising, focusing on creating sound financial plans to help clients navigate life transitions. James holds a California Insurance License.

Souad Hasbini is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Merrill, she worked at Cetera, Bank of America, and J.P. Morgan Securities, among other firms. She has also held roles outside of financial services, including positions at Apple Inc. and several real estate-related companies. Merrill, together 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 a range of model-based and discretionary investment strategies supported by internal teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Francesko Kristovich is a financial advisor at J.P. Morgan Securities with 20 years of industry experience and a Series 66 designation. His career includes roles at JP Morgan Chase Bank, Chase Investment Services Corp., Wamu Investments, Inc., and Wells Fargo Investments, LLC. He is also the owner of a commercial rental property through F & A Petaluma LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and leverages derivatives and commodities capabilities through its broader regulatory registrations.

Patrick Bennett is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cadaret, Grant & Co., Inc., Wells Fargo Advisors, Merrill, Banc of America Investment Services, and Citigroup Global Markets. Outside of his advisory work, he coaches lacrosse in Woodside, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, third-party asset management, and institutional platforms, supporting advisors with research-driven tools and a broad suite of financial products.

Monique Morrison is a financial advisor at Morgan Stanley in San Jose, CA, with 18 years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at Royal Alliance Associates, Origin Financial, Golden Gate University, and Charles Schwab. Outside of advisory work, she is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm uses structured planning tools and market modeling techniques, while providing clients with advisory services that do not typically include individual security recommendations.

Liming Cai is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Fremont, CA, and has 15 years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., Banc Of America Investment Services, Inc., and In Home Supportive Services. Outside of his advisory duties, he owns a rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates both quantitative and qualitative research and includes capabilities in derivatives and commodities.

Alissa Lee is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank, N.A. since 1997, joining Wells Fargo Clearing in 2016. Based in San Jose, CA, her career has been concentrated within the Wells Fargo organization. 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 combines research from its investment institute with third-party data to inform its investment approach.

Aaron Jang is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as Morgan Stanley Smith Barney since 2012. He is based in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Daniel Gong is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior work includes roles at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., and Scottrade, Inc. He has been with Charles Schwab and related entities since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and access to alternative investments within an integrated operational structure.

Qizhen Xie is a ChFC® and holds a Series 66 license with eight years of industry experience. He has been with Morgan Stanley since 2018, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to that, he worked at Amazing Wealth Insurance Agency for seven years. Outside of his advisory role, he is an owner of a rental property in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Zvart Potoukian is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Potoukian serves as a board member for the adoption agency St. Nick's Kids Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Rene Francois Cervantes is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2016. He has 10 years of industry experience and holds credentials as a Certified Public Accountant, providing accounting and bookkeeping services outside of his advisory role. He also serves as a director at a high-tech firm based in Sunnyvale, California. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi‑billion dollar asset base with a range of proprietary and third-party investment strategies.

Hendra Iskandar is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds the Series 66 designation and has been with Raymond James & Associates since 2009. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, charitable organizations, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Ken Rosenberg is a financial advisor at Morgan Stanley with a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Anna Tu is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, having previously worked at Wells Fargo Bank, N.A. since 1993. Based in San Jose, CA, she has an extensive tenure within the Wells Fargo organization. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Sok Loh is a financial advisor with Morgan Stanley in San Jose, California, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Brian Wong is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008 and 2010, respectively. Charles Schwab & Co., Inc. primarily serves 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 services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational systems.

Shahrzad Keshavarz Adeli is a financial advisor with J.P. Morgan Securities in Mountain View, CA, holding Series 63 and Series 66 credentials and four years of industry experience. Prior to joining J.P. Morgan Securities in 2022, she worked at Tiffany & Co. and has been involved with bestofluxuryworld since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients with a focus on 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.

Carol Underwood is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and 16 years of industry experience. She previously worked at Securities America Advisors and MetLife Securities Inc., among other firms. In addition to advisory services, she is involved in insurance sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment process uses model-based asset allocation and portfolio optimization, supported by various tools and discretionary strategies.

Ryan Wypiszynski is a financial advisor with Mass Mutual Investors Services in Sunnyvale, CA, holding Series 63 and Series 66 credentials and 10 years of industry experience. He worked at Thrivent Investment Management Inc and Thrivent Financial for a decade before joining Mass Mutual Investors Services and MassMutual in 2026. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, structuring financial planning as annual collaborative engagements using firm-approved analytical tools.