Crispin Hanshaw is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 25 years of industry experience. He previously worked at Charles Schwab for 18 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its financial planning process.

Vivian Chu is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and 28 years of industry experience. She previously worked at Questar Capital Corporation and Woodbury Financial Services, Inc. Aside from her advisory role, she is the CEO of Willner and Associates, a small business providing employee benefits, cost and benefit analysis, and administrative services for retirement plans. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage, advisory, and retirement plan services. The firm utilizes asset-allocation tools and third-party platforms to manage portfolios across various investment vehicles.

Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Edgar Diaz is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior work history includes roles at Apple and Sodexo. 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 SMAs, providing integrated advisory, brokerage, custody, and cash-sweep services.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding a Series 66 designation and 16 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Vladimir Martynov is a Vice President and Financial Consultant currently working at Fidelity Investments since 2019. He has over a decade of experience in the financial industry, having previously served as Vice President Financial Advisor at JPMorgan from 2012 to 2019. His professional expertise includes retirement income planning, long-term investment strategies, disciplined portfolio construction, and tax-efficient investing. Vladimir holds a California Insurance License. Outside of his professional career, he has personal interests that include cars, fitness, parenthood, skiing, soccer, and traveling.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Thao Pham is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, HSBC Bank USA, HSBC Securities, and JPMorgan in various roles. 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 solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jacques Shepherd is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services. Shepherd is based in Palo Alto, CA. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations.

Jan Doernte is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and modeling techniques, serving clients through both direct engagements and corporate financial planning agreements.

John Concepcion is a Financial Consultant currently working at Fidelity Investments since 2021. He has held the role of Financial Consultant at Ameritas from 2020 to 2021 and served as Vice President and Senior Advisor Consultant at Franklin Templeton from 1998 to 2020. Throughout his career, John has developed financial plans tailored to his clients' needs, allowing them to focus on their lives and personal pursuits. He holds a California Insurance License.

Germaine Cordes is a financial advisor with OSAIC, holding the ChFC® designation and Series 66 license, and has 24 years of industry experience. She has worked at OSAIC since 2024 and previously spent eight years at Securities America Advisors, Inc. Outside of advisory work, she is a notary and provides business consultation services through Lifetime Capital Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing various investment platforms and tools to construct diversified portfolios across multiple asset classes.

Niya Xie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and its securities affiliates. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alison Jones is currently the Branch Leader at Fidelity Investments in Campbell, where she works with her team to facilitate relationships with clients and develop positive lifetime partnerships. She has been with Fidelity since 2018, advancing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked in new client development at TD Ameritrade. Alison holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, exploring food as a foodie, gardening, running, playing tennis, and traveling.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan in 2020, Zhang worked at Citibank for three years and at Qiaoli Hu CPA for one year. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation models and a centralized due diligence process. The firm incorporates an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Cameron Briggs is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has held various positions within Fidelity Investments since 2021, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to his tenure at Fidelity, Cameron gained experience as a Wealth Management Intern at Morgan Stanley from 2019 to 2020. Cameron is licensed with a California Insurance License, enabling him to provide investment and retirement guidance tailored to the unique situations of his clients. He utilizes historical data and Fidelity's statistical analysis to partner with clients and offer suggestions throughout each phase of their financial circumstances. Outside of his professional work, Cameron has interests in baseball, fitness, social events with friends, horseback riding, and surfing.

Royston Hung is a Senior Financial Advisor at Merrill Lynch Wealth Management, located in San Jose, California. He began his career at Merrill Lynch Wealth Management in 2011 at Menlo Park, CA. Royston provides financial strategies tailored to small business owners, corporate executives, high-net-worth individuals, and their families by developing plans aimed at meeting their financial goals. He emphasizes consultative and objective advice, focusing on liability-driven investing, asset allocation, and tax efficiency. Royston's approach includes listening to clients to understand their financial priorities and goals before offering recommendations that consider income, growth expectations, time horizon, risk tolerance, and liquidity needs. His services encompass retirement planning, investments, education, estate planning, and philanthropy. Royston holds a Bachelor's degree in Economics with a minor in Financial Accounting from the University of California, San Diego. He has been investing since 2008 and followed the markets during his studies. He is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA).

Nida Memon is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at several firms, including JP Morgan Chase Bank, First Republic Securities Company, and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Michael Thomas is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has five years of industry experience, including prior roles at Carmax and FedEx. Outside of his advisory work, he is involved in real estate investing as an owner and partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a non-discretionary process that incorporates quantitative modeling and ESG considerations.

Steven Zeller is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.