Stephen Maluchnik is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

John Petrick is a financial advisor at UBS Financial Services with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 1998. Petrick also serves as trustee for the Florence E Hardwick Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Maura Escalante is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and seven years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2018 and has been with Wells Fargo Bank NA since 2015. Prior to her advisory roles, she was involved with Archimedes Banya from 2015 to 2017. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Peter Evans is a financial advisor with LPL Financial in San Mateo, CA, holding the ChFC® designation and Series 63 license. He has 40 years of industry experience, previously working for Securian Financial Services, Minnesota Life, and Link Allen and Associates. Outside of his advisory work, he has been involved with the City of Palo Alto Parks & Recreation Department. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and technology-driven approaches.

Teresita Ford is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2024. She previously worked as a Financial Consultant at Fidelity Investments from 2022 to 2024, and before that, as a Financial Advisor at Edward Jones from 2020 to 2022. She also served as a Branch Office Administrator at Edward Jones from 2018 to 2019. Teresita holds a California Insurance License. She focuses on taking a holistic approach to understanding her clients and what is important to them, aiming to co-create personalized financial plans that help clients feel organized and in control of their finances and legacy. Outside of her professional work, Teresita enjoys hiking, reading, running, soccer, and traveling.

William Zaslow is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services that utilize firm-approved tools and modeling techniques to support client goals.

Pourya Naeimi is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining J.P. Morgan in 2026. He holds the Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Mikael Lee is a financial advisor with Mass Mutual Investors Services with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, with prior experience at MetLife Securities Inc. Lee is also the owner of a boba tea shop, Lee's Teahouse Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative planning engagements using firm-approved analytical tools and serves a range of client types, including high-net-worth individuals.

Aldo Severson is a CFP® professional with eight years of industry experience, currently serving as a Wealth Advisor at J.P. Morgan Securities in Palo Alto, CA. His prior roles include positions at First Republic Investment Management and Northwestern Mutual Wealth Management. Outside of his advisory work, he is a 50% owner of Happy Pals, LLC, a non-financial business involved in selling products online. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Brandon Francis is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Agero Roadside Assistance and community engagement with the Nehemiah Community Empowerment Center. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Megan Araujo is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 14 years of industry experience. She has been with Morgan Stanley since 2013. 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, and manages approximately $2.74 trillion in client assets.

Fochson Fung is a financial advisor with Cambridge Investment Research Advisors, holding the ChFC® designation and Series 63 and 66 licenses, with 19 years of industry experience. Fung has been with Cambridge Investment Research Advisors since 2011. Outside of advisory work, Fung is an independent insurance agent and is involved in sales and marketing activities for a non-investment business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, providing tailored strategies across multiple platforms with both proprietary and third-party model options.

Sylvia Rivera is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Cecilia Montoya is a Series 63 credentialed financial advisor with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Garrett Vitangeli is an Investment Consultant currently working at Fidelity Investments since 2024. Prior to this role, he was a Financial Consultant at Equitable Advisors from 2022 to 2024. He holds a California Insurance License. Garrett focuses on helping individuals and families plan for various financial goals by applying strategies tailored to their unique situations. His professional experience encompasses investment consulting and financial advisory services. Outside of his professional work, Garrett has personal interests that include baseball, cooking and baking, family activities, golf, parenthood, and traveling.

Chelsea Carlton is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and five years of industry experience. She has worked at Charles Schwab since 2023 and previously was employed by TD Ameritrade from 2020 to 2023. Outside of finance, she has experience in the restaurant industry, including roles at Katie's Pizza and Pasta Osteria and Water Grill. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and discretionary separately managed accounts overseen by an affiliate. The firm’s integrated structure provides centralized custody and order-routing, multi-asset model portfolios, and access to alternative investments.

Daniel Rave is a financial advisor at Fidelity with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, delegation to sub-advisers, and its advisory roles for multiple registered investment companies and fund-of-funds.

Liam Powers is a financial advisor at Charles Schwab with 7 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank, Charles Schwab & Co., and TD Ameritrade, among other firms. Charles Schwab & Co., Inc. 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 discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Jerald Henderson is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Securian Financial Services and Link Allen/Secure Futures from 2004 to 2020. 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, supported by research and model portfolios from LPL Research and third-party subadvisors.

Paul Karson is a financial advisor with LPL Financial, holding a Series 63 designation and 35 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved with Karson Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services supported by model portfolios and research from both internal and third-party sources.