Todd Freeman is a CFP® and ChFC® with 48 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005. Outside of his advisory work, he collects comic art and participates in conventions related to this hobby. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using a variety of portfolio management and model-based solutions.

Thomas Ransohoff is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1991, concurrently working with Bank of America since 2009. Outside of his advisory role, he is involved with Sacred Heart Community Service in San Jose, focusing on efforts to help individuals gain workforce skills and improve their opportunities. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Richard Simpson is a financial advisor with Ameriprise in Brentwood, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its related entities since 2005. In addition to his advisory role, he is involved in independent insurance brokering with multiple health insurance providers. Ameriprise offers retirement-income planning services targeted at individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Scott Rash is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009. Rash serves as a non-public arbitrator for the Financial Industry Regulatory Authority. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Veronica Aquilina is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 10 years of industry experience. She has been with UBS Financial Services Inc. since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through both brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets solutions.

Desirae Bennett is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, she worked at Placer County Superior Court and California State University, Monterey Bay. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michelle Peng is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, she is involved as a partner in a technology consulting firm and co-trustee of a defined benefit plan. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market-based modeling techniques.

Evan Rohrbough is a financial advisor at Stifel with 49 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2009. The firm serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Amy Cook is a CFP® professional with 17 years of industry experience, currently advising at LPL Financial since 2021. Her prior roles include founding Antique Typewriters and authoring a children's book series and a financial book, in addition to operating JFM Planning Services Inc. and engagement with the San Mateo Chamber of Commerce. Amy's outside activities also encompass publishing and authorship related to personal finance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutions. The firm offers diverse advisory programs and portfolio management options supported by in-house and third-party research.

Ahmed Khatib is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. He works closely with entrepreneurs, wealth creators, senior executives, and ultra-high-net-worth clients to help them grow, preserve, and transfer their wealth more effectively. Ahmed focuses on understanding his clients’ unique financial goals and developing clear strategies that address the complexities associated with substantial wealth. Ahmed has extensive experience in investing and wealth management, having worked since 2000. Prior to joining Merrill, he was a Senior Investment Strategist at Wells Fargo Private Bank and served as a Senior Portfolio Manager at HighMark Capital Management. His expertise spans areas such as education planning, executive compensation, family wealth management, legacy planning, liquidity management, and socially responsible investing. He holds an M.B.A. from the Paul Merage School of Business at the University of California, Irvine, and a bachelor's degree in Psychology with a minor in Economics from the University of California, San Diego. His education also includes a year of study at the University of Reading in England. Ahmed is a Chartered Financial Analyst® (CFA®) and a CERTIFIED FINANCIAL PLANNER™ (CFP®). He serves on the Board of Directors and the Finance Committee of LifeMoves, a Bay Area nonprofit supporting homeless families and individuals. Ahmed is a member of the CFA Society of San Francisco and resides in San Mateo with his wife and two children. In his free time, he enjoys traveling, playing golf, tennis, basketball, and playing guitar.

Gail Rogers is a financial advisor at Morgan Stanley with 15 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she serves on the advisory board of Associate Resources LLC, a strategy consulting firm, and is a board member of the University of Pennsylvania Alumni Club of San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its advisory process.

Solaria Perez Stepanov is a financial advisor at Morgan Stanley with 15 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2010 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she owns SOLARIA TV, a video production business. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques in its financial planning process.

Jiaying Ma is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. She previously worked at iBest Learning Center for six years before joining Charles Schwab and Charles Schwab Bank, SSB. 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 blend of non-discretionary advisory relationships and discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.

Khiet Huynh is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney and CitiGroup Global Markets Inc. since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Kanak Agarwal is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2025. Kanak has been with Fidelity since 2021, initially serving as a Financial Consultant. Prior to joining Fidelity, Kanak worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021, and as an Investment Consultant at Scottrade from 2017 to 2018. Earlier, Kanak gained experience as a Personal Banker at Wells Fargo from 2012 to 2017. Kanak holds a California Insurance License. As a financial consultant, Kanak focuses on working closely with clients to understand their goals, concerns, and preferences in order to develop customized financial plans. Kanak emphasizes providing education, guidance, and maintaining ongoing personalized relationships with clients. Outside of work, Kanak enjoys cooking and baking, participating in family activities, outdoor adventures, and traveling.

James Morimoto is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Morgan Stanley Smith Barney LLC and previously worked at Schwarz Dygos Wheeler Investment Advisors. Outside of finance, he is involved with Arbiter Sports as a referee. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery, firm-approved tools, and modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Reed Sparling is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked as a contractor for Wells Fargo through Randstad and held positions at IEH Laboratories, Joey Kitchen, and the University of Washington. 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 services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Thomas J. Bisceglia is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009 in San Jose, CA. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides custody, underwriting, and capital markets services.

Christopher Patten is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with less than one year of industry experience. His prior background includes roles at SESLOC Credit Union, Cal Poly Associated Students, Inc., and various positions related to education and outdoor activities. 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 advisory recommendations and discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational infrastructure.

Weina Hou is a financial advisor at Ameriprise with 15 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at East West Bank, Cetera, and Bank of America. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement-income planning through a combination of proprietary research, third-party data, and algorithmic tools.