Roger Toguchi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Morgan Stanley and Wells Fargo Investments. Outside of his advisory work, he serves as a director for a family-owned investment-related business and is a co-trustee of his parents' trust. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. 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 sources.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 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 both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Eric Tallon is an Investment Consultant at Fidelity Investments, bringing several years of experience in financial advisory roles. He began his career as a Financial Advisor at Merrill Lynch from 2013 to 2015, followed by a position as a Financial Consultant at Scott Trade in 2016. He then served as an Investment Solutions Representative at Fidelity Investments from 2022 to 2025 before assuming his current role. Eric holds a California Insurance License, supporting his ability to provide comprehensive financial advice. He partners with clients to build long-term financial advisory relationships, aiming to deliver tailored and objective advice that empowers clients to pursue their personal passions and goals. Outside of his professional work, Eric enjoys gardening, hiking, parenthood, reading, and playing tennis.

Gregory Newell is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked across several Schwab affiliates, including Charles Schwab Trust Bank and Charles Schwab Premier Bank. 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, offering multi-asset model portfolios supported by in-depth research and a centralized operational structure.

Scott Rogers is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2001. He is based in San Jose, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions and providing a range of retirement plan consulting services.

Maria Laguna is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 1999. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ophelia Swen is a financial advisor at Ameriprise with one year of experience in the industry and holds a Series 66 designation. Prior to joining Ameriprise in 2026, she worked at LPL Financial LLC and Cairn Wealth Advisors from 2021 to 2026, as well as KeyCon from 2018 to 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing retirement-income planning advice based on a written Recommendation Report, focusing on dependable income sources and tax-aware withdrawal strategies.

Jenna Byrd is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 designation and two years of industry experience. She has been with MML Investors Services, LLC since 2017 and has prior experience at MassMutual Life Insurance Company and MSI Financial Services. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved tools and offers specialized services including divorce planning and employer-sponsored planning programs.

Kevin Espinoza is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, N.A., Merrill, STN Inc, and several other companies. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Pickett is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Spencer Crume is a Series 66-registered financial advisor with 11 years of industry experience, currently with Ameriprise Financial Services. He previously worked at Merrill and Bank of America for eight years and has experience from Edward Jones and Full Sail University. He serves as Treasurer on the Board of Directors for the Dominus Sports Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing planning advice focused on retirement income strategies, leveraging proprietary research and algorithmic tools.

Sarah Delaney is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She previously worked at Merrill from 2014 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Marina Strasser is a CFP® with five years of industry experience, currently affiliated with Charles Schwab in Los Altos, CA. Her work history includes multiple roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of financial services, she owns an investment property that she plans to rent out beginning in December 2025. Charles Schwab serves a large client base of 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 both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.

Hilary P. Jones is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. She primarily serves individuals, families, and small institutions, helping them achieve their financial goals through strategic development and ongoing management. Ms. Jones incorporates her personal experience with saving for college, retirement planning, elder care, wealth transfer, and divorce into her client services. She has been with Merrill Lynch since 2004 and previously worked as a Financial Advisor at AG Edwards. Before her career in financial advising, she held roles managing Human Resource departments at Hewlett Packard and Agilent, and served as Dean of Admissions at a private college in northern California. Ms. Jones earned both her Bachelor's and Master's degrees in Asian Studies from the University of California at Berkeley. She holds the Personal Investment Advisor (PIA) designation. Her investment philosophy is informed by a long-term market perspective and a family tradition of commitment to client relationships, spanning three generations. She focuses on combining traditional investments with Merrill Lynch Wealth Management strategies and approved third-party portfolios, with a particular interest in retirement issues affecting the Baby Boom generation. Outside of her professional work, Ms. Jones is active in the Palo Alto community. She serves as President of the Association for Senior Day Health and is involved with various local organizations including the Foothills Club, Kappa Kappa Gamma Sorority, and the Palo Alto Woman's Club.

Juan Rojas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and previously worked at First Tech Federal Credit Union. Outside of his advisory role, he is involved with Phases Financial Group, a multi-member LLC, where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary consulting using analytical tools and supports a broad network of advisors, with specialized capabilities in municipal finance and employer advisory services.

Riley Marshall is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 credential and three years of industry experience. Prior to joining Morgan Stanley, he spent time at AT&T and was involved with several entertainment and service ventures including Shopwindow, Quest Factor Escape Rooms, and All That Dance Studios. Outside of financial advising, he operates a sole proprietorship in entertainment and co-hosts a podcast focused on AI topics. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing financial planning supported by firm-approved tools and investment research while serving approximately $2.74 trillion in client assets.

Eve Meyer is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and over 31 years of industry experience. She has been with Primerica Advisors since 1994 and also works with Esmff since 2000. Her outside activities include part-time referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure while delegating model implementation to BNY Mellon Advisors.

Li Dong is a CFP® certificant and financial advisor with LPL Enterprise, bringing nine years of industry experience. His background includes roles at Transamerica Financial Advisors and Prudential Insurance, among others. Outside of advisory services, he provides mortgage and real estate services and operates an accounting and tax preparation business. LPL Enterprise offers investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional clients. The firm emphasizes a model-driven investment approach with access to third-party asset managers, financial planning, and insurance products through affiliated entities.