Joseph Nelson is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 designations and having 35 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC, and UBS Financial Services. Wells Fargo Advisors serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support a diversified, modern portfolio approach.

Jonathan Bush is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 66 designation. Based in Palo Alto, CA, he is part of a large team servicing both individual and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers various advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides its services directly to individuals as well as through Corporate Financial Planning agreements with employers.

Saeed Dehghany is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Wells Fargo in various capacities since 2017. 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 and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations within a non-discretionary program where clients retain final decision-making authority.

Christopher Genetti is a financial advisor with Charles Schwab in Santa Clara, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. He previously worked at Scottrade Inc. for nine years before joining Charles Schwab in 2018. Outside of his advisory role, he serves as a club officer for Los Gatos Toastmasters, contributing to member education and training. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed accounts. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by strategic asset allocation models and alternative investment due diligence.

Parminder Banga is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. He has worked at Merrill since 2016 and has also been associated with Bank of America, N.A. outside of Merrill. Banga and his wife hold a license with Amway Corporation for a small direct distribution business, primarily operated by his wife. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jeff Liao is a Branch Leader at Fidelity Investments, a role he has held since 2022. In this position, he focuses on delivering Fidelity's Standards of Care by supporting and inspiring his team to exceed their goals and by striving to provide a world-class client experience consistently. Prior to his current role, Jeff served as Vice President and Branch Manager at HSBC Securities (USA) from 2018 to 2022. He holds a California Insurance License, which complements his expertise in financial planning and client service. Outside of his professional responsibilities, Jeff's personal interests include bowling, cars, food, golf, hiking, and motorcycles.

Apostolos Kiriazis is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and six years of industry experience. He has been with JPMorgan Chase Bank and its affiliates since 2012. 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 and fund searches, and customized performance reporting within a non-discretionary advisory program.

Lyn Jen Tsai is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses and having 26 years of industry experience. Tsai has worked with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, following seven years at Citigroup Global Markets. Outside of advisory work, Tsai owns and manages a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Deborah Krumwiede is a financial advisor with LPL Financial in Santa Clara, CA, holding Series 63 and Series 65 designations and 31 years of industry experience. Her career includes roles at Cetera, Technology Credit Union, Wescom Financial Services, and Osaic FA, Inc. She is also involved with Technology Credit Union as of 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory services through a large network of investment adviser representatives.

Brian Tucker is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at First Republic Securities Company and First Republic Bank for over a decade. Brian is based in Palo Alto, CA. 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. The firm’s advisory process combines quantitative screening and qualitative research, and incorporates ESG considerations while allowing clients to retain final decision-making authority.

Gary Klein is a financial advisor with LPL Financial based in Hayward, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Trilogy Capital, Inc., National Planning Corporation, and Trilogy Financial Services. He is also an insurance agency agent specializing in universal life and term insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives who may use various strategies and proprietary tools.

Abanti Pakrasi is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in helping individuals and families plan and achieve their life goals. With over two decades of experience, Abanti works closely with clients to create personalized investment strategies that align with their priorities, risk tolerance, time horizon, and liquidity needs. Her client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, women and wealth, and retirement income. Abanti holds a Bachelor’s degree from Delhi University and an MBA in Finance from the University of Southern Mississippi. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Personal Investment Advisor (PIA). Fluent in English, Hindi, Bengali, Gujarati, and Punjabi, she brings a diverse cultural understanding to her practice. In addition to her professional work, Abanti participates in community volunteer activities, including her involvement with Community Seva. Her personal interests include cooking, hiking, reading, and watching movies, reflecting a well-rounded approach to both her personal and professional life.

Sam Goerss is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he helps clients identify financial goals and build financial plans tailored to their needs. He has previous experience as a Financial Consultant at E*Trade Financial from 2019 to 2020, a Financial Professional at AXA Advisors, LLC from 2016 to 2019, and an Investment Advisor Representative at Securities America Inc. from 2015 to 2016. Sam holds a California Insurance License. Outside of his professional work, Sam has personal interests that include cars, fitness, outdoor adventures, pets, running, and traveling.

Shelley Boutelle is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank, N.A. since 2010. 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 a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Zhouyang Wang is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 registrations and has worked with JPMorgan Chase Bank, Wells Fargo Clearing Services, and Wells Fargo Bank. 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. The program combines quantitative and qualitative research to deliver recommendations within a structured eligibility and ESG framework.

Robin Huang is a financial advisor at Morgan Stanley with three years of industry experience. He previously worked at Citigroup and First Republic Securities Company, LLC. Huang holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Angelo Galloway is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2017, and previously at J.P. Morgan Chase Bank and J.P. Morgan Securities from 2015 to 2017. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management, financial planning services, and a range of custodial and brokerage capabilities.

Linda Smestad is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. She previously worked at Commonwealth Financial Network for 20 years and has been involved with Investment House for over three decades. Outside of advising, she has engaged in tax preparation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Kenneth Friedman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is the sole owner of ZEGA Builders Inc., a real estate construction business focused on homebuilding. 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 range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Ye Luo is a Series 66-licensed financial advisor with LPL Enterprise in San Jose, CA, and has one year of industry experience. Prior to joining LPL Enterprise, Ye worked at PRUCO Securities, LLC and has been involved with Eutychia Venture LLC for six years. Ye's background also includes experience in biotech diagnostics and software companies. LPL Enterprise, LLC offers investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach using portfolios developed by internal research and third-party strategists, and provides financial planning, access to asset managers, and insurance product facilitation through affiliated entities.