Samuel Veytser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and four years of industry experience. His work history includes roles at JPMorgan Chase Bank, California Fine Wine & Spirits LLC, and All Spectrum Insurance Brokers. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

James Glass is a financial advisor at Mass Mutual Investors Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual since 1999. Outside of his advisory role, he is an agent for Glass and Associates, a health-related business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various educational programs.

Esther Teng is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 a structured planning process supported by proprietary tools.

Andrew Clift is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 63 designation and 43 years of industry experience. He has worked within various Morgan Stanley entities since 1997, including Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Alexander Kaminaris is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He previously worked at Morgan Stanley for 7 years and at Citigroup Global Markets for 1 year. He serves as a co-trustee for a joint trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals, corporations, and institutions. The firm combines brokerage and advisory solutions and uses research and analytics from Wells Fargo Investment Institute and third-party sources to inform its investment approach.

Albert Hsia is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 credential and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and has involvement in business ownership through partnerships that manage office expenses and other non-investment-related activities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides clients nearing or in retirement with written recommendation reports and ongoing tax-aware income planning. The firm’s approach combines proprietary investment research with third-party data and algorithmic tools to deliver retirement strategies within a specific investment product ecosystem.

Theresa Ruiz Fong is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she is a part-owner of Baden Coin Laundry, LLC, a business she has been involved with since 2006. 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 uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions.

Nicola Ostrum is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. She has been with J.P. Morgan Securities since 2001 and has concurrently worked at JPMORGAN Chase Bank, N.A. since 1995. Ostrum serves as an Investment Committee member for El Camino Hospital. 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. Their advisory process is supported by centralized due diligence and incorporates ESG eligibility frameworks, with implementation services provided by affiliated entities.

Robert Adams Jr. is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and over 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of advising, he is a co-founder of Project Transcend, a software-as-a-service social media platform focused on privacy and authentic storytelling. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools.

David Amann is a CFP® and ChFC® with 22 years of industry experience. He has been with Edward Jones in Redwood City, CA since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Wang is a financial advisor at Merrill in San Mateo, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Merrill in 2019, he worked at General Motors Financial and Pi Charging and was affiliated with the University of Michigan. 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, pension plans, corporations, and charitable organizations.

Michael Hack is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is the sole proprietor of Hack Family Orchard, an agricultural business in Los Gatos, California. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning services.

Lucas Sotto is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior work includes roles at JPMorgan Chase and teaching positions at Chapman University. He has also been involved with Hanano Ramen and Tpumps. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Julia Li is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2018, with prior roles at Wells Fargo and Citigroup firms dating back to 2002. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by firm-approved planning tools and a wide range of advisory programs.

John Birkett is a Planning Consultant at Fidelity Investments, where he assists clients in Silicon Valley with developing comprehensive wealth plans tailored to their individual situations. He emphasizes understanding his clients' interests, passions, and goals to create flexible plans that can evolve with their changing lives. John has been with Fidelity Investments since 2021, progressing through roles including Financial Representative and Relationship Manager before becoming a Planning Consultant in 2023. Prior to joining Fidelity, he worked as a Client Service Specialist at Charles Schwab from 2019 to 2021. He holds a California Insurance License.

Peter Bergquist is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His work history includes positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Dimitar Kotov is a financial advisor with Ameriprise in San Jose, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, supported by a centralized consulting team and algorithmic automation overseen by a Retirement Income Oversight Committee.

Thao Nguyen is a Planning Consultant at Fidelity Investments, a role she has held since 2023. She focuses on assisting clients in utilizing Fidelity's resources to pursue their financial goals. Thao emphasizes sharing knowledge and aims to empower clients to confidently manage the complexities of their financial situations. Thao's experience at Fidelity Investments includes previous positions as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2021 to 2022. She holds a California Insurance License.

Niki Canotas is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. She has been with LPL Financial since 2009 and previously worked at Associated Planners Investment Advisory Inc., Associated Securities Corp., and Capital Choice Investment Advisers, Inc. Outside of her advisory role, she is involved in a small business coaching and marketing venture and co-owns Mike & Niki's Honey Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using models, third-party subadvisors, and customized strategies.

Yvonne Tran is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 designation with 14 years of industry experience. Her career includes seven years at Charles Schwab and Charles Schwab Bank before joining Morgan Stanley Smith Barney LLC in 2018. Outside of her advisory work, she is involved in rental property management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by established investment tools.