Esfandiar Zartoshty is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at Mass Mutual Pacific from 2017 to 2023 and Vector Insurance from 2009 to 2017. 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 advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Juan Rojas is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Raymond James since 2012 and previously worked at First Tech Federal Credit Union. Outside of his advisory role, he is involved in a two-person financial advisory LLC and serves as an independent contractor providing financial advice. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, with a focus on tailored financial plans and various implementation options, supported by extensive research and an affiliate network.

Scott Morris is a CFP® professional with 19 years of experience in the financial services industry. He currently serves as an advisor at OSAIC and previously worked for 18 years at Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a variety of asset-allocation tools and investment platforms to manage portfolios across multiple asset classes.

Robert Ha is a financial advisor at Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 designations. He has experience with several financial institutions, including Silicon Valley Bank and First Republic Bank. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with third-party analytics and uses diversification principles and modern portfolio theory in its investment evaluations.

Jane Khalaf is a CFP® professional with 15 years of experience in the financial services industry. She has worked at LPL Financial since 2022 and previously spent eight years with Edward Jones. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services supported by research from LPL and third-party subadvisors.

David Enemark is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and over 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his financial advisory role, he is involved with the Trek Dirt Series, a recreational contracting business based in Canada. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and committee-driven market outlooks to support its advisory programs.

Xianzheng Zhong is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Citigroup and Solomon Page Group. Outside of his advisory role, Zhong has been involved with a business focused on Chinese translation, travel, and consulting. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with additional financial product offerings.

Joseph Keenan is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 designation and 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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 estate planning strategies, managing approximately $2.74 trillion in client assets.

Jen Wei Chi is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning delivered through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Michael Rinaldi is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Silicon Valley. He specializes in personal investment and wealth management planning for high-net-worth clients, focusing on custom strategies and private equity opportunities tailored to each client's unique goals and objectives. Michael holds a Bachelor's Degree from California State University Long Beach and has earned professional designations including Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA). His expertise covers areas such as college education planning, executive compensation, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. He is involved in community service through organizations such as Amor Ministries and The San Diego Salvation Army, operating through Mt. Carmel Parish. Outside of his professional and community commitments, Michael enjoys adventure sports, basketball, football, golfing, music, reading, spending time with his family, and traveling.

Munish Kaila is a Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he specializes in providing clients comprehensive advice focused on retirement planning, college education planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Munish works closely with clients and their families to help them achieve their specific financial goals and develop sound financial plans. He holds a Bachelor's Degree from the University of New Hampshire and is a Personal Investment Advisor (PIA). Munish’s approach centers on delivering a positive client experience and effectively addressing client needs. Outside of work, he enjoys basketball, golfing, hiking, and spending time with his family.

Reeve Ghiass is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Morgan Stanley, U.S. Bancorp, Comerica Bank, and University of California, Davis, among others. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Qian Ma is a financial advisor with Merrill based in Palo Alto, California. Holding a Series 66 designation, Ma has seven years of industry experience and has been with Merrill and Bank of America since 2013. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with Bank of America’s broader platform, including access to swaps, derivatives, lending, custody, and other financial services.

Ravindranath Gondipalli is a financial advisor at Cambridge Investment Research Advisors with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Cambridge Investment Research Advisors since 2014. Outside of his advisory role, he is involved in real estate as a licensed realtor and mortgage loan originator, and he is the founder of both Ravi Tax Preparation Services Inc. and Gynansoft Inc., a software consulting firm. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various platform arrangements and a combination of proprietary and third-party investment strategies.

Jeffrey Marks is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. His prior work includes roles at Equitable Advisors and various educational institutions. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers a range of advisory services including model portfolios and fund advisory.

Aaron Valadez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2022 and has prior work experience spanning corporate and restaurant sectors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, focusing on advisory services rather than individual security recommendations.

Jason Degroodt is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, and prior experience at Citigroup from 2015 to 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Gary Chiang is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Chiang serves on the investment committee of The King's Academy in Sunnyvale, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Maria Bravo Murillo is a financial advisor at Morgan Stanley in Palo Alto, CA, with six years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill Lynch, Bank of America, and E*TRADE Capital Management. She serves as a board member and fundraising committee member for the Jose Valdes Math Foundation, a charitable organization based in San Jose. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools, with services spanning retail and institutional investment offerings.

Chun Yeung Tsang is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Tsang held roles at NYLife Securities LLC and New York Life Insurance Company. Outside of finance, Tsang previously worked with Automata Arts and Angeles Academy of Music. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and delegation to sub-advisers, as well as its advisory roles with registered investment companies and delivery of model portfolios for Fidelity Institutional Wealth Adviser.