J. D Testa is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Prior to joining Wells Fargo Advisors, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also owns and operates Testa Capital Inc., an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services including retirement, education, risk, and wealth-transfer planning, utilizing proprietary research and planning tools to develop tailored client recommendations.

Lisa Furlong is a CFP®-certified financial advisor with 21 years of industry experience. She is currently with Cetera and has previously worked at Avantax and LPL Financial. She is a partner at Mayer & Associates Advisory LLC, where she provides financial planning and investment advisory services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts, offering diverse portfolio management and advisory services through a large network of independent advisors.

Jacqueline Mayer is a CFP® certificant with 44 years of industry experience, currently advising at Cetera. Her career includes roles at Avantax Investment Services and LPL Financial, as well as managing her own firm, Mayer & Associates Advisory LLC. Outside of her advisory work, she manages a separate business that involves leasing office space. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering a range of portfolio management and advisory services through a network of over 10,000 advisors.

Matthias Kattick is an Investment Consultant currently working at Fidelity Investments since 2025. He has held roles as an Investment Consultant at Charles Schwab from 2023 to 2025 and has experience as a Registered Associate at Ameriprise Financial from 2019 to 2023. His earlier positions include Registered Representative roles at Ally Invest and JP Morgan Securities in 2017, as well as a Registered Representative at Fidelity Investments from 2015 to 2017, and an Internal Associate at Incapital in 2017. His expertise encompasses retirement transitions, investment strategy, and comprehensive financial planning, focusing on understanding clients' unique financial goals to provide tailored guidance. Matthias holds a California Insurance License, supporting his advisory capabilities. Outside of his professional work, Matthias has interests in beach activities, boating, fitness, football, hiking, and pets.

Andrea Trudeau is a ChFC® and financial advisor with 37 years of industry experience. She has worked with firms including OSAIC since 2024, ABD Insurance & Financial Services (now Newfront) since 2012, and Foothill Securities from 1999 to 2016. In addition to advisory roles, she serves as an executive vice president at Newfront, a benefits consulting firm, where she assists employers in designing employee benefits programs. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on diversified portfolios constructed using advanced asset-allocation tools and risk assessments.

Benjamin Raney is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to joining J.P. Morgan, he held positions at Bond Pavement and Willard Hicks Grill. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Dongyong Zhou is a CFA® charterholder with nine years of industry experience, currently serving as a financial advisor at Charles Schwab. His prior experience includes roles at Edward Jones, JP Morgan Chase Bank, CUSO Financial Services, and Powell Financial Group. Outside of his advisory work, he manages two rental properties. Charles Schwab serves a large client base, 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 strategies, supported by a centralized operational structure.

Savada Kong is a financial advisor at Fidelity with six years of industry experience. Her prior roles include positions at Edward Jones and New York Life Insurance Company. Outside of her advisory work, she manages a dog vlog channel where she edits and posts videos featuring her dog. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Jacob Whitaker is a financial advisor at LPL Financial with five years of industry experience. He holds a Series 66 designation and has worked at several firms, including Mariner Independent Advisor Network and THE Financial Services NETWORK. His professional background also includes roles outside the financial sector, such as positions at GT Auto Lounge and Capitol Advocacy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by research from LPL Research and third-party subadvisors.

Lee Michael Murphy is a Series 66-registered advisor with Osaic Wealth, Inc. based in Morgan Hill, California. He has 15 years of industry experience, including prior roles at Securities America Advisors and RNP Advisory Services. Outside of advising, he sells term and permanent life insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services along with access to third-party money managers and managed account solutions.

Hung Vu is a financial advisor with Ameriprise in Gilroy, CA, holding a Series 63 designation and 35 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1990. Outside of his advisory role, he has provided a personal loan to a long-term friend. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Dan Hogan is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2025. In this capacity, he leads a team of financial professionals, focusing on delivering a world-class experience for clients and upholding Fidelity's Standards of Care. His professional experience spans several positions in the financial services industry, including Financial Consultant at Charles Schwab from 2022 to 2025, and various roles at Ameriprise Financial from 2013 to 2022, such as Branch Manager, Regional Sales Manager, and Financial Advisor. Dan holds a California Insurance License. Outside of his professional responsibilities, Dan's personal interests include art, cars, music, pets, snowboarding, and traveling.

Christopher Koyama is a Financial Consultant currently with Fidelity Investments, where he has worked since 2021. Prior to this, he held the position of Financial Consultant at E*TRADE Financial from 2018 to 2021, and served as a Private Client Advisor at Bank of the West from 2015 to 2018. Christopher holds a California Insurance License, supporting his work in wealth planning and financial consulting. His professional approach centers on building transparent relationships tailored to client priorities, leveraging his team's dedication and Fidelity's network to develop customized strategies. Outside of his professional role, Christopher is engaged in family activities, parenthood, and caring for pets.

Eric Anderson is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Merrill and Bank of America. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Dimitar Kotov is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, supported by a centralized consulting team and algorithmic automation overseen by a Retirement Income Oversight Committee.

Thao Nguyen is a Planning Consultant at Fidelity Investments, a role she has held since 2023. She focuses on assisting clients in utilizing Fidelity's resources to pursue their financial goals. Thao emphasizes sharing knowledge and aims to empower clients to confidently manage the complexities of their financial situations. Thao's experience at Fidelity Investments includes previous positions as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2021 to 2022. She holds a California Insurance License.

Drake Kelly is a financial advisor with MassMutual Investors Services holding a Series 66 credential and has been in the industry since 2026. Prior to joining MassMutual, he worked at XILO and Optyo, and has experience with various fitness and service-oriented roles. He has also served in the Army National Guard. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative planning process using firm-approved software and provides specialized programs including estate settlement and divorce planning.

Bao Dinh is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Albert Rodriguez is a financial advisor with LPL Financial in Morgan Hill, CA, holding Series 63 and Series 66 designations and eight years of industry experience. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Merrill, Bank of America, and BMO Harris Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management, with support from in-house and third-party research.

Cynthia Lloyd is a financial advisor at Fidelity with Series 65 and Series 66 designations and two years of industry experience. She has held positions at Fidelity Investments and Fisher Investments, and previously worked in senior living and education. Outside of her advisory role, she occasionally works as a concierge at a senior living facility in Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios including mutual funds, ETFs, and fund-of-funds.