Erik Galsgaard is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 credential and has worked at Charles Schwab Bank, Charles Schwab, and Equitable Advisors. Prior to his advisory career, he was employed at Walgreens. 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 blend of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a formal alternative-investment program.

Daniel Robbins is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He partners with clients and their families to build financial plans that align with their goals, focusing on understanding their individual needs and collaborating to identify strategies suited to their unique financial situations. Prior to this, Daniel worked as a Relationship Manager at Fidelity Investments from 2020 to 2023 and as a Workplace Planning Consultant from 2019 to 2020. Before joining Fidelity, he was a Financial Business Analyst at OppenheimerFunds, Inc. from 2003 to 2019. Daniel holds a California Insurance License. Outside of his professional work, he engages in various physical activities including biking, kayaking, running, snowboarding, surfing, and yoga.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

Ting Gong is a financial advisor with J.P. Morgan Securities in Union City, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining J.P. Morgan Securities in 2022, Gong worked at Citibank from 2017 to 2021. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process integrates systematic quantitative screening and qualitative research to develop model asset allocations and includes broader derivatives and commodities capabilities compared to many institutional programs.

Bao Nguyen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Bao worked at Kestra Financial Services, New York Life, and LPL Financial. Outside of advisory work, Bao has involvement with Thriving Asset Management, where he assists with administrative tasks and client service related to insurance. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Madeline Beaton is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses with two years of industry experience. She has previously worked at Natixis Advisors, LLC and Natixis Distribution, LLC, and has been involved with Sandpiper Productions LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured process. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

Zhen Zhang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2013. 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 combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Brian Brogan is a financial advisor with Morgan Stanley, holding a Series 63 designation and 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets from 1999 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and firm-approved tools, including Secular Return Estimates and Monte Carlo simulations.

Kalvin Sid is a financial advisor with LPL Financial, holding CFP®, Series 63, and Series 65 designations and has 22 years of industry experience. He previously worked at Next Financial Group Inc for 17 years and OSAIC Services, Inc. for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at MML Investors Services and MassMutual Life Insurance Company. She has been with J.P. Morgan since 2017, including time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering access to a range of eligible investment strategies and affiliated portfolio services.

Paige Hovermale is a financial advisor at Merrill in Palo Alto, CA, holding a Series 66 designation with no prior industry experience. Before joining Merrill and Bank of America in 2026, Paige worked briefly at RBC PH&N and has held various positions outside the financial industry, including roles at the UBC Tennis Centre and University of British Columbia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Caroline Maglio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and possessing 32 years of industry experience. Her work history includes roles at Charles Schwab Bank, TD Ameritrade, and Fidelity Brokerage Services. 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 affiliated discretionary SMAs and offers a comprehensive operational structure including custody, brokerage, and cash-sweep services.

Carlos Betancourt is a Series 66 licensed financial advisor with Morgan Stanley in Palo Alto, CA, bringing 16 years of industry experience. His prior roles include eight years at J.P. Morgan Securities and Bank of America. Outside of finance, he is involved in real estate co-ownership ventures, including Pacaso Inc. and a family trust that manages short-term rental properties. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a broad range of advisory programs and tailored financial planning services, utilizing structured planning tools and investment modeling techniques.

Ahmed Metwaly is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience at Goldman Sachs. Metwaly has also been involved with the Student Association at SUNY Plattsburgh. Charles Schwab 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 combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and a formal alternative-investment onboarding process within an integrated operational structure.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Christian Petersen is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Morningstar, Inc. and KKR, as well as positions within Charles Schwab Bank and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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, due diligence on alternative investments, and integrated custody and brokerage services.

Robert Gold is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and has worked at several firms, including Woodbury Financial Services, Cetera Advisor Networks, Summit Financial Group, Stifel, Wells Fargo Clearing, and Morgan Stanley. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies and third-party money manager programs.

Brian Penzel is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he serves on the board of the Logistics Advances Research Center, sits on the Board of Trustees for the Moreland School District, and acts as treasurer for the Saratoga Federated Church. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and resources.

Kathleen Augusta is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, previously spending eight years at Morgan Stanley Smith Barney. Merrill, along 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 strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Vincent Yip is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and JP Morgan in various capacities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning based on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer agreements.