Thomas Wright is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at various Wells Fargo entities since 2005. Outside of his advisory work, he provides transportation services as an Uber driver in San Francisco. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jodiah Herbert is a Financial Consultant at Fidelity Investments, where they work with clients to build comprehensive financial plans focused on wealth growth, retirement readiness, and long-term security. Jodiah partners with clients to create personalized strategies that support both their current priorities and future aspirations. Jodiah's professional experience includes roles as a Financial Consultant and Relationship Manager at Fidelity Investments, as well as Registered Representative at NYLIFE Securities LLC. Prior to these positions, Jodiah worked as an Insurance Agent with New York Life Insurance Company and World Financial Group. They hold a California Insurance License. Outside of their professional work, Jodiah enjoys camping, cars, golf, hiking, reading, and traveling.

Anne Michelle Salinda is a financial advisor with Wells Fargo Clearing in Santa Clara, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Salinda serves as a co-trustee for her parents' trust. 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 approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options.

Phil Nguyen is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investments and Nf Wealth Management, Inc. Outside of advising, he is involved in real estate ownership, including multi-family properties in Sacramento. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing written, non-discretionary recommendations based on research and modeling. The firm combines advisory, brokerage, and insurance solutions through affiliated companies and employs algorithmic tools supported by oversight committees to generate tailored retirement income plans.

Richard Bologna is a financial advisor at Ameriprise in San Ramon, CA, with 16 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Foresters Financial and Foresters Advisory Services LLC before joining Ameriprise in 2017. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process, primarily for clients with assets held in Ameriprise-managed accounts.

Yue Pang is a financial advisor at Edward Jones with one year of industry experience and holds a Series 66 designation. Prior to joining Edward Jones, Pang worked in the restaurant industry with Sushi Koya and Izakaya Ginji. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Terry Goss is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2019, following eight years at Stifel Nicolaus. Outside of finance, Goss owns Terry Goss Photography, a business focused on photography sales, prints, merchandise, and book licensing, and is active as a bassist and composer in multiple musical groups. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and broad investment offerings.

Ryan Tran is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, he held positions in various fields including education and technology. 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 relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, written advice policies, and research from the Schwab Center for Financial Research.

Vanessa Pan is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and two years of industry experience. She has worked at Prudential Insurance Company of America and other financial firms since 2024. Outside of her advisory role, she coaches at Encore Volleyball Club in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is largely model-driven, utilizing portfolios developed by internal and third-party strategists, and it also offers access to third-party asset managers and financial planning services.

Jiyoung Chung is a financial advisor at Fidelity with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Fidelity Investments since 2022, previously serving at American Investors Company and StarOne Credit Union. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and maintains oversight of sub-advisers and share class allocations.

Namrata Agrawal is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2016 and holds the qualification of Senior Portfolio Advisor. In her role, she collaborates with clients to develop personalized financial strategies that address their long-term goals, encompassing a range of services including investment management, education planning, retirement income, and socially responsible investing. Namrata brings expertise in areas such as education planning, liquidity management, managing new wealth, portfolio management, tax minimization, and special needs planning strategies. She and her team, The Barnao Group, serve both individuals and small businesses, leveraging Merrill Lynch's resources along with banking and lending solutions provided through Bank of America. Namrata holds the Chartered Financial Analyst (CFA) designation and is a Personal Investment Advisor (PIA). She earned both her Bachelor's degree in Accounting and Master's degree in Economics from Rajasthan University. Originally from Jaipur, India, Namrata moved to the United States in 2000 and currently resides in Sunnyvale, California. She is involved in community activities, including volunteering with Stocklmeir School in the Cupertino Unified School District. Outside of her professional commitments, Namrata enjoys biking, gardening, spending time with her family, and traveling.

Brandon Matsuno is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Oracle for four years and held positions at Northwestern Mutual and Merrill Lynch. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI technologies, and its advisory role to multiple registered investment companies.

Li Xu is a Planning Consultant at Fidelity Investments, a position held since 2021. In this role, Li collaborates closely with clients and advisors to understand investment needs and objectives, supporting clients throughout the financial planning process to help them pursue their investment goals confidently. Li has extensive experience in financial services, having worked as a Financial Consultant at TD Ameritrade from 2018 to 2021 and as an Investment Consultant at Scottrade from 2009 to 2018. Li holds a California Insurance License, which supports the provision of comprehensive financial and insurance planning services.

Yingfei Shi is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved in real estate investment as an owner and partner of multiple properties. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a centralized due diligence framework. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management services.

Donald Tonelli is a financial advisor at OSAIC with 53 years of industry experience. He holds the ChFC® designation and the Series 63 license. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. and Foothill Securities, Inc., and has operated as a self-employed advisor since 1978. Outside of advisory work, he is a licensed real estate broker referring prospects to Keller Williams Realty and is involved in insurance sales related to life and estate planning. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios across multiple asset types, and supports both discretionary and non-discretionary management.

Michael Caulkins is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial (formerly Linsco Private Ledger) since 2005. Outside of his advisory role, he operates a DBA called Solutions Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, and supports advisors with research tools and diverse investment strategies.

Danny Chung is a Financial Consultant currently working at Fidelity Investments since 2018. He focuses on assisting clients in making informed decisions about their financial futures by developing and implementing comprehensive financial plans tailored to their goals. His professional experience includes roles as an Investment Consultant at Fidelity Investments from 2016 to 2018, a Financial Advisor at Bank of America Merrill Lynch from 2012 to 2015, a Financial Advisor at Morgan Stanley from 2009 to 2012, and a Fixed Income Specialist at ML Stern & Co. from 2003 to 2009. Danny holds a California Insurance License.

Michael Tong is a financial advisor with Ameriprise in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior roles include positions at Bank of America, Merrill, HSBC Securities, HSBC Bank USA, and Axa Advisors. Outside of his advisory work, he has involvement in multi-family real estate ownership. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew D. Ferguson is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Ferguson has served as a trustee for Marietta College and is involved locally as a board member of the Los Gatos Education Fund and an advisory committee member for the Los Gatos Union School District. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services through a comprehensive platform.

Michael Bernier is a Series 63-licensed financial advisor at LPL Financial in Milpitas, CA, with 34 years of industry experience. He previously worked at Western International Securities, Inc. for 28 years before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of investment adviser representatives using both proprietary and third-party strategies.