Cathy Liu is a financial advisor with J.P. Morgan Securities in Palo Alto, CA. She holds Series 63 and Series 65 designations and has nine years of industry experience. Prior to joining J.P. Morgan Securities, she worked at Washington University in St. Louis for four years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making recommendations.

Sok Loh is a financial advisor with Morgan Stanley in San Jose, California, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Brian Wong is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2008 and 2010, respectively. Charles Schwab & Co., Inc. primarily serves 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 services with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational systems.

Shahrzad Keshavarz Adeli is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and three years of industry experience. Her work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as prior experience at Tiffany & Co. Outside of finance, she is involved with bestofluxuryworld. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Carol Underwood is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 16 years of industry experience. She previously worked at Securities America Advisors and METLIFE Securities Inc. Outside her advisory role, she is involved in insurance sales, providing clients with insurance and fixed indexed annuity products. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of portfolio construction tools and supports both discretionary and non-discretionary account management.

Ryan Wypiszynski is a financial advisor with Mass Mutual Investors Services in Sunnyvale, CA, holding Series 63 and Series 66 credentials and 10 years of industry experience. He worked at Thrivent Investment Management Inc and Thrivent Financial for a decade before joining Mass Mutual Investors Services and MassMutual in 2026. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, structuring financial planning as annual collaborative engagements using firm-approved analytical tools.

Jezza Pimentel is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley since 2019 and previously held roles at JPMorgan Chase Bank NA, JPMorgan Securities LLC, and BancWest Investment Services. Pimentel holds a Series 66 designation and is based in Palo Alto, CA. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support its financial planning process.

Ashley Mccrary is a Series 66 licensed financial advisor with Morgan Stanley in San Jose, CA, where she has worked since 2013. She has 10 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Yi Charn Chen is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2019, Chen worked at Apple and Whole Foods Market. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Anil Gulati is a financial advisor at Osaic Wealth, Inc. with 43 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Osaic in 2024, he spent 15 years at Woodbury Financial Services. Gulati serves as a director for the Indian Chamber of Commerce, a nonprofit organization. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to multiple advisory platforms and third-party money managers. The firm employs a variety of asset-allocation tools and management approaches to create diversified portfolios tailored to client needs.

Carmen Ibrahim is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2017 and previously held roles at Lending Club and Bank of America. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Yunhe Chao is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and having six years of industry experience. Prior to joining J.P. Morgan Securities in 2019, Yunhe held roles in diverse sectors, including education, retail, and food services, and is involved with Coodo Pet Bakery & Boutique LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Hedeliza Cunanan is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 1989. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Seibel is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as Vice President at Fisher Investments from 2001 to 2024. Over his career spanning more than 20 years, John has worked with thousands of high-net-worth investors to plan, build, and protect their unique financial needs. He holds a California Insurance License, which supports his professional capabilities in financial consulting. Outside of his professional work, John has personal interests in baseball, family activities, fitness, movies, and tennis.

Jovin Jackson is currently a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. Prior to this role, he was a Financial Consultant at Fidelity Investments from 2014 to 2020. Before joining Fidelity, he worked as a Financial Advisor at SGC Financial & Insurance Services from 2010 to 2014. Jovin's professional experience spans over a decade in financial advisory roles, focusing on helping clients work toward their financial goals. He holds a California Insurance License, which supports his work in the financial services industry.

Nora Yeh Shen is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. Prior to joining LPL Financial in 2019, she worked at Cetera and Technology Credit Union. Shen is involved with Tech Investment Management, an investment-related business connected to her LPL activities. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Paul Podrid is a financial advisor at OSAIC with 41 years of industry experience. He holds the CFP® designation and the Series 63 and Series 65 licenses. His career has included roles at Securities America Advisors, Foothill Securities, and Morgan Lev Financial Corp, where he continues to provide tax planning and preparation services. OSAIC serves a wide range of clients, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of advisers. The firm employs various tools and multiple advisory platforms to manage diversified portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Eric Hansen is a CFP® with 17 years of experience in the financial services industry. He is currently affiliated with OSAIC and has held prior roles at Securities America Advisors, KMS Financial Services, and National Planning Corporation. Hansen operates an advisory business under Hansen Wealth Management in addition to providing fixed and life insurance solutions. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across multiple asset classes, offering both discretionary and non-discretionary management options through a complex, multi-platform structure supported by third-party services.

Michael Sosnow is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs and tailored financial planning. The firm’s approach includes structured discovery processes and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Serkan Uygur is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at JPMorgan Chase Bank, JPMorgan Securities, and E*TRADE Capital Management. 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 and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.