Brennan Kurtela is a CFP® with 10 years of industry experience, currently serving at Wells Fargo Clearing since 2025. Prior to this, he worked at Strategic Wealth Advisors Group and LPL Financial, among other firms. He is based in Woodside, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Serop Kupelian is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo for 14 years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary advisory services supported by a centralized due-diligence framework.

Steve Fang is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 and Series 63 credentials and has prior experience with firms including J.P. Morgan Securities LLC, Fidelity Investments, and Northwestern Mutual. He is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various management options.

Jaden Gospich is a financial advisor at Raymond James Financial with a Series 66 credential and no prior industry experience. His background includes roles at Admit Ramaekers and Associates and Sachs Properties LLC, as well as educational experience at Pepperdine University and Bellarmine College Preparatory. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm uses risk profiling and analytical tools to tailor recommendations and supports municipal and public-finance work through a municipal advisor affiliation.

Kwanghyon Park is a CFP® professional with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2019. He previously worked at Bank of America, N.A. for 10 years and Merrill for 13 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Demitra Kabitsis is a financial advisor at Ameriprise with two years of industry experience. She holds the Series 66 designation and has worked at Ameriprise since 2021. Prior to her advisory role, she was affiliated with the University of Colorado and Notre Dame High School. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Vanessa Zapanta is a Series 66 licensed financial advisor with Morgan Stanley in Palo Alto, CA, where she has worked since 2021. She has two years of industry experience and previously spent nine years at Citibank N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including customized financial planning that employs structured discovery methods and firm-approved planning tools.

Edward Sickel III is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he serves as a co-trustee for family trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with discretionary options and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep programs.

Tran Ngo is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at New York Life, Charles Schwab, and Charles Schwab Bank. Outside of his advisory role, he provides in-home supportive services as an independent contractor to assist an elderly family member. Tran is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of fundamental research and quantitative methods to construct model portfolios from mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Nicholas Bragg is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, NA. Charles Schwab & Co., Inc. 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 mixed advisory model combining non-discretionary guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Center for Financial Research.

Gloria Infante is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 20 years of industry experience. Her career includes roles at Merrill and First Republic Investment Management prior to joining J.P. Morgan. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting. The firm's investment approach combines quantitative modeling and centralized due diligence, incorporating an ESG eligibility framework when recommending strategies.

Timothy Wallis is a Financial Consultant currently working at Fidelity Investments. He has been serving in this role since 2022, following his previous position as an Investment Consultant at Fidelity Investments from 2020 to 2022. Prior to that, he worked as a Financial Advisor at Merrill Lynch from 2017 to 2020. His professional experience encompasses financial consulting and investment advising, focusing on helping clients work towards achieving their financial goals. Timothy holds a California Insurance License, supporting his advisory capabilities. Outside of his professional activities, Timothy has personal interests in baseball, comedy, fitness, and hiking.

Alan Lui is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 63 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2007. 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 based on modern portfolio theory, tailoring services to plan objectives and risk tolerances while acting as an ERISA fiduciary when providing investment advice.

Pavan Ravilisetty is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 designations and has worked at firms including J.P. Morgan Securities, TIAA, and Citibank. 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 through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Lucie Honosutomo is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 credentials and having 30 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. She currently serves clients through City National Bank and RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ Advisory Risk Profiles.

Sharon Chung is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include work with the Judicial Council of California and various consulting and civic organizations. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Brian Houle is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2018, currently also working with Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Their approach involves structured discovery and firm-approved planning tools, utilizing methodologies such as Monte Carlo simulations and Secular Return Estimates from the Global Investment Committee.

Marc Roth is affiliated with LPL Enterprise and holds a Series 66 credential. He has experience across various roles including positions at Hertz Mobility Fleet Solutions, MassMutual, New York Life Insurance Company, and entrepreneurial work such as at So Far Ocean Technologies and Imperfect Foods. Roth’s background also includes long-term gig and app-based work as well as ongoing involvement with SF Laser/Abricate. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, consulting, model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Valerie Harrison is a financial advisor at LPL Financial with 40 years of industry experience, including over 30 years at LPL. She holds a Series 63 designation. In addition to her advisory role, she is involved in selling non-variable insurance products such as term life and long-term care policies through an affiliated entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Kathy Tabrizi is a financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.