Mike Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base, 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 options, leveraging multi-asset model portfolios and centralized operational infrastructure.

Paolo Coronel is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2025. He collaborates with clients to help them develop financial strategies tailored to their retirement, wealth management, and overall financial well-being. Paolo leverages Fidelity's broad resources to provide insight and support for important financial decisions. Prior to his current role, Paolo worked as a Planning Consultant at Fidelity Investments from 2023 to 2025. He also has experience as an Associate Advisor and Paraplanner at Insight Wealth Strategies, LLC between 2019 and 2023, and began his career as a Paraplanner at Ameriprise Financial Services from 2018 to 2019. Paolo holds a California Insurance License and is a Certified Financial Planner (CFP®) professional. Outside of his professional work, Paolo has interests in cooking and baking, golf, music, and theater.

Diane Van Nostrand is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Dunhill Financial and Citigroup Global Markets. In addition to her advisory role, she serves as a FINRA arbitrator, participating in securities dispute resolutions. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, utilizing structured financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client engagements and corporate financial planning agreements.

Connor Gray is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of his advisory role, he owns and operates a shoe resale business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides ongoing advice and written recommendation reports focused on income sources and tax-aware withdrawal strategies.

Sheena Culp is a CFP®-designated financial advisor with 15 years of industry experience, currently with OSAIC since 2023. She previously worked at Sagepoint Financial Advisors and Wagner, Loftin Investment Services. Sheena also owns a notary public service offered as a courtesy to clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and third-party money managers to provide integrated brokerage, advisory, and portfolio management services.

Zenaida Tsung is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. She works with individuals to plan for various financial goals, including funding education, retirement planning, and managing potential healthcare costs. Zenaida's approach involves understanding each client’s personal perspectives to create transparent and straightforward investment plans. Her expertise spans general investing, retirement planning, and preparing for unexpected financial needs. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Outside of her advisory work, Zenaida is involved with professional organizations including the Hispanic/Latino Organization for Leadership & Advancement (HOLA) and the Merrill Women's Exchange.

Christopher Ellis is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he spent three years at Functional Muscle Fitness and has a background in education, having worked at St. Mary’s College of California and De La Salle High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Madison Spiering is a financial advisor at Morgan Stanley with six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and with Morgan Stanley since 2019. Madison holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Shane San Martin is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mark Mathews is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 66 designation and has worked previously at JPMorgan Chase and Merrill. Outside of his advisory roles, he was involved with The Blue Light from 2018 to 2021. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing fact-finding interviews, risk profiling, and software-driven analyses to build tailored plans.

Jeffrey Coburn is a CFA® charterholder with 18 years of industry experience. He is currently with Morgan Stanley in Walnut Creek, CA, where he has worked since 2023. Prior to joining Morgan Stanley, he spent six years at First Republic Investment Management and affiliated entities. 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, including tailored financial planning that utilizes structured discovery processes and firm-approved tools to model investment outcomes.

Charles Kallgren is a financial advisor with Charles Schwab in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab since 2006. Outside of his advisory role, he serves as President and Director of the Five Bridges Foundation, a nonprofit organization focused on charitable donations in the Bay Area. Charles Schwab 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 services with access to discretionary separately managed accounts, offering multi-asset model portfolios and a centralized operational structure.

Michael Heisick is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at RBC Capital Markets since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations by offering a range of advisory programs that include discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and employs a combination of in-house and third-party managers, with options for tax management, responsible investing, and alternative investments.

Tommy Huynh is a Certified Financial Planner (CFP®) with 10 years of industry experience. He is currently affiliated with Morgan Stanley, where he has worked since 2022, following prior roles at Citigroup and JP Morgan. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Mai Gigliotti is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jely Lorenzo is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Bank of America. 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Robert Moranville is a CFP® professional with 32 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Raymond James Financial and Raymond James Financial Services. Moranville has operated Moranville & Associates since 1995. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, providing advice and account management through a large network of investment adviser representatives.

Nicholas Jones is a financial advisor at Fidelity with two years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Northwestern Mutual Investment Services LLC and TechTronic Industries. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in managing discretionary and non-discretionary portfolios.

Jiani Zhu is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at PNC Bank and Regions Bank. Outside of her advisory role, she manages a small rental property business. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Chloe Mc Kenna is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2021. Prior to her finance career, she was affiliated with the University of Colorado Boulder and San Ramon Valley High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that uses firm-approved tools and methodologies to model potential outcomes.