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.

John Clay is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and part of Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a partner in an entertainment business called Build Your Own Table. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning through dedicated advisors and specialized estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market analyses.

Wei Zhai is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, Wei worked at PointNemo Enterprise for two years and has an academic background that includes positions at Central University of Finance and Economics and the University of Bristol. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and related services, offering a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Laura Leavitt is a CFP®-certified financial advisor with over 30 years of industry experience. She is currently with Cetera and has held roles at several firms including Voya Financial Advisors and Good Life Financial Group. Leavitt is also president of Sam Granato Insurance Services, Inc., an insurance agency she has managed since 1993. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Bianca Cross is a Series 66-licensed financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously held positions at Cetera and Wells Fargo. 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 applying an ESG eligibility framework in its investment recommendations.

Meilue Vang is a financial advisor at Wells Fargo Clearing with six years of industry experience. Prior to joining Wells Fargo in 2025, Vang spent 20 years at Morgan Stanley. He holds a Series 66 designation. 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.

Andrew Dibono is a financial advisor with Wells Fargo Clearing in Santa Clara, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Clearing in 2020, he worked at San Francisco State University and De Anza College. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers investment policy statement preparation, investment recommendations, performance reporting, participant education, and discretionary plan-level investment selection, with an advisory process grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Matthew Jacksteit is a CFP® professional with 14 years of experience in the financial industry, currently serving at Edward Jones since 2011. He participates actively in community affairs through roles including chairing the Business & Policy Committee of the Sunnyvale Chamber of Commerce and serving on the Measure G Citizens Oversight Committee in Sunnyvale, CA. Edward Jones is a full-service wealth management firm serving over four million clients across individual, institutional, corporate, and charitable sectors. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Rohn is a CFP® credentialed financial advisor with 13 years of industry experience, currently with Ameriprise in Campbell, CA. He previously worked at Edward Jones and held various roles in financial services and technology firms including Lyft, Facebook, and Bank of America. Outside of his advisory work, he serves as Vice President on the Board of Trustees for the Mountain View DeAnza Masonic Lodge and works as a driver for Lyft. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm’s approach incorporates proprietary research and third-party data within a defined investment universe linked to its affiliated products and distribution arrangements.

Steven Chang is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 66 and Series 63 licenses and has been with LPL Financial since 2014. In addition to his advisory role, he works as a non-variable insurance agent based in San Jose, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisors. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and a variety of investment strategies.

Kozue Wang is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Prior to joining LPL Financial in 2019, Wang worked at Unionbanc Investment Services and Union Bank from 2004 to 2019. Wang also serves as a private banker with Fremont Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and diversified investment programs supported by in-house and third-party research.

Ali Alomari is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work experience includes roles at Tesla, Excite Credit Union, Nissan of Gilroy, and in M&A Market/Plaza Minimart. Ali is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, managing both discretionary and non-discretionary portfolios across mutual funds, ETFs, and ETPs.

Sarah Clish is a CFP®-certified financial advisor with Ameriprise in San Jose, CA, and has 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves on the boards of the Mission Valley Chorus and the Rotary Club of San Jose and teaches water aerobics at the Central YMCA. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Susan Markham is a financial advisor at UBS Financial Services with 23 years of industry experience. She has held positions at Morgan Stanley from 2009 to 2022 before joining UBS in 2022. Her credentials include Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management, offering services such as futures commission merchant activities, principal trading, and proprietary research.

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.

Phil Cunningham is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009 and previously worked at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets, and offers a variety of investment and planning tools as part of its advisory process.

Michael Yoshihara is a financial advisor with Osaic Wealth, Inc. in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Osaic Wealth since 2018 and previously worked at Signator Investors, Inc. from 2016 to 2018. Outside of his advisory role, he is a music instructor specializing in saxophone and serves as a partner advising the operations of a Japanese language school. Osaic Wealth, Inc. serves a diverse clientele including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, leveraging asset-allocation tools and third-party managers to offer multifaceted portfolio solutions.

Laurie Rudd is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is based on investment policy statements and modern portfolio theory, with an emphasis on tailored plan objectives and risk tolerances, including a discretionary 3(38) option and a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Bart Smith is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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.

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.