Heath Hanich is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has built a practice focused on helping individuals, families, and businesses preserve, grow, and transition their wealth through personalized strategies aligned with their long-term goals. His advisory approach emphasizes trust, clarity, and tailored planning, guiding clients through various stages of life with confidence. With over two decades of experience in financial services, Heath began his career in 1999 as a part-time teller with Wells Fargo. While working full time, he earned an associate's degree from Bakersfield College followed by a Bachelor's Degree in Business Finance from Fresno Pacific University. He has held various leadership roles at Wells Fargo and also joined Wachovia, where he earned his FINRA registrations and supported clients across California. Approximately twelve years ago, Heath and his family relocated to Santa Cruz, where he achieved his goal of becoming a Financial Advisor and established a successful practice. Heath specializes in comprehensive wealth management, retirement planning, and investment strategies tailored to each client's unique needs. He holds the Personal Investment Advisor (PIA) designation. Heath resides in Santa Cruz, California with his wife Heidi and their daughter. Outside of his professional responsibilities, he stays active in the local community and contributes through his involvement with the Rotary Club of Santa Clara.

Joshua Kuo is a financial advisor with J.P. Morgan Securities based in Santa Clara, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and is the owner and operator of Shibui Vintage, LLC, a business involved in the collection, restoration, and trading of vintage timepieces. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG criteria in its investment recommendations.

Eric Han is a financial advisor with Ameriprise in Campbell, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliates since 2008. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written Recommendation Reports and ongoing retirement-income planning with an emphasis on dependable income sources and tax-aware withdrawal strategies.

Lan Zhang is a financial advisor at Charles Schwab with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1993, including a role at Charles Schwab Bank since 2005. 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 offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Patrick Lee is a Vice President and Financial Consultant at Fidelity Investments. In his current role since 2017, he works closely with his experienced team to leverage Fidelity's brand, technology, and platform. Patrick focuses on retirement, income, and wealth planning, aiming to understand clients' unique situations and help them define and achieve their financial goals. Prior to joining Fidelity, Patrick held positions as Vice President Senior Wealth Financial Advisor at Bank of the West from 2013 to 2017, and as Vice President Financial Advisor at Merrill Lynch from 2010 to 2013. He holds a California Insurance License.

Marci Rosenfeld is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation and bringing 23 years of industry experience. Her career includes positions at J.P. Morgan Chase Bank, First Republic Investment Management, Wells Fargo Clearing, Deutsche Bank Securities, and Credit Suisse Securities. She serves as Vice Chair of the Board and Investment Committee at the Contemporary Jewish Museum. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a combination of quantitative and qualitative research.

Elvira Vargas Candelario is a financial advisor at Fidelity with six years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2023, following prior roles at JPMorgan Chase Bank and J.P. Morgan Securities. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs. The firm also incorporates algorithmic methods and AI in its investment process and serves as an advisor to multiple registered investment companies.

Melissa Archibeque is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Outside her advisory role, she is associated with an entity named MS C A TRUST in a power of attorney capacity. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yunjia Jiang is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. Based in Menlo Park, CA, Jiang has been with Morgan Stanley since 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Desairee Diaz Solis is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Her prior work includes roles at Charles Schwab Bank and Chase Bank, as well as earlier positions outside the financial sector. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated platform and centralized operations.

Tomoko Koyama is a Planning Consultant at Fidelity Investments, a position she has held since 2025. She began her career at Fidelity Investments in 2022 as a Financial Consultant. Prior to joining Fidelity, Tomoko held various roles including Vice President - Private Client Advisor at JP Morgan Chase from 2019 to 2022, Vice President - Private Client Associate at Bank of America Private Bank from 2018 to 2019, and Vice President - Financial Solutions Advisor at Bank of America - Merrill from 2014 to 2018. Tomoko holds a California Insurance License. Raised in a culture where discussing money was a taboo subject, she aims to provide financial guidance to as many families as possible. Outside of her professional work, Tomoko has interests in fitness, movies, photography, traveling, and yoga.

Tommy Ngo is a Financial Consultant currently serving clients at Fidelity. He focuses on understanding client situations and planning accordingly, providing tailored support through a comprehensive team of professionals. Tommy has over five years of experience in the financial industry, with previous roles including Investment Consultant and Client Relationship Specialist at Charles Schwab, and Associate Banker at JPMorgan Chase. He holds a California Insurance License. Outside of his professional work, Tommy enjoys golf, swimming, and traveling.

Richard Boden is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at TD Ameritrade from 2016 to 2021. He also serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Fay Fruin Jameson is a financial advisor at UBS Financial Services with 38 years of industry experience. She holds the Series 66 designation and has been with UBS since 2011. Outside of her advisory work, she manages a rental property through a local property management company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Nathaniel Weir is a financial advisor at Charles Schwab in Los Altos, CA, holding a Series 66 designation with one year of industry experience. His work history includes roles at Charles Schwab Bank, Charles Schwab, Nugget Markets Inc., Burger Patch, and Peet's Coffee, as well as extensive experience in full-time education. 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 separately managed accounts, delivering investment guidance through multi-asset model portfolios and a centralized operational structure.

Maclan Yavuz is a Wealth Management Planning Consultant at Fidelity Investments, where he collaborates with clients, a Wealth Management Advisor, and a team of specialists to develop personalized financial plans tailored to clients' needs. He focuses on building meaningful, lasting relationships to support clients and their families. His professional experience at Fidelity Investments spans several roles, starting as a Financial Representative from 2021 to 2023, then as a Relationship Manager from 2023 to 2026 before assuming his current position. Throughout his tenure, he has been engaged in comprehensive wealth management and client support. Outside of his professional work, Maclan enjoys cooking and baking, family activities, music, spending time with pets, reading, and practicing yoga.

Michael Kimsey is a CFP® and ChFC® with 47 years of experience in the financial industry. He has worked at OSAIC since 2025 and previously spent 27 years at Lincoln Financial Advisors Corporation. Kimsey serves as a co-trustee for a family member's revocable trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services, emphasizing model-based asset allocation, portfolio optimization, and access to third-party money managers.

Ryan Purpur is a financial advisor with Charles Schwab & Co., Inc. in Menlo Park, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Area Wide and was involved with Stanford Summer Camps and the Stanford Campus Recreational Association during his full-time education. 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 offers a combination of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a centralized operational structure.

Dalten Smith is a CFP® and Series 66-licensed financial advisor at Charles Schwab with three years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2021 and previously held positions in logistics and education. His past roles include work at GEODIS Logistics, Lakeridge Golf Course, and Full Time Education. 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 offers a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational structures.

Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.