Nathan Walsh is a Series 66 registered financial advisor with Charles Schwab in Menlo Park, CA, and has four years of industry experience. His career includes roles at Charles Schwab Bank, NYLIFE Securities LLC, and New York Life Insurance Company. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options, as well as integrated brokerage, custody, and financial planning services.

Irene Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and corporate financial planning agreements.

Troy Okumura is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Ameriprise in San Jose, CA. He previously worked at Kestra Advisory Services, LLC and Transitions Wealth Advisors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Yijuan Fan is a financial advisor at Cetera with the PFS™ designation and one year of industry experience. She has held roles at Cetera, JY Wealthcare, Avantax Advisory Services, and has been a tax partner at Johanson & Yau Accountancy Corporation since 2019. Fan is involved in providing comprehensive tax and accounting services through her referral financial advisory business, JY Wealthcare, LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and a variety of program structures with access to multiple third-party managers and model portfolios.

Owen Byrnes is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Byrnes & Associates team. The team manages $905 million of entrusted client assets and has over three decades of experience working with select families to help preserve and grow their wealth. Byrnes & Associates consists of three financial advisors and an experienced client associate. Owen focuses on providing personalized wealth management strategies tailored to the goals of each client. His expertise areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, tax minimization, and retirement income. He works to develop flexible financial strategies that align with the changing market conditions, leveraging the investment insights of Merrill and the banking solutions of Bank of America. He holds a Bachelor's Degree from the University of Nevada - Reno and holds the Personal Investment Advisor (PIA) designation. Outside of work, Owen enjoys golfing, playing pickleball, and spending time with his family.

Jo Laurie Schmeltzer is a financial advisor at LPL Enterprise with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including The Prudential Insurance Company of America and Cetera. Outside of her advisory role, she is involved in real estate services as a licensed realtor with BRG Realty. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to various investment programs and products. The firm provides advice primarily through investment adviser representatives using model portfolios and third-party strategists, supported by an integrated platform that combines advisory programs with the sale of financial products.

Robert Min is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 designations and two years of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance Company, and Bbsi. Outside of his advisory work, he is involved with Jackson Hewitt as a tax preparer and provides trust and estate planning services through Solutions Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Mercedes Landaverde is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Bank from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ryan Walsh is a Financial Advisor Trainee at Merrill Lynch Wealth Management. In this role, he is engaged in developing his expertise in financial planning and wealth management. As a trainee, Ryan is building his experience within the finance industry, focusing on gaining the skills necessary to support clients in managing their financial goals. His current position places him within the Merrill Lynch Wealth Management team, where he is advancing his professional knowledge and capabilities.

Arshia Zahabi is a financial advisor with LPL Enterprise in San Jose, CA, holding a Series 66 credential and 11 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he owns and operates A Zahabi Management Inc., a tax preparation business, and is involved with A2Z Tax & Financials, Inc. as a real estate agent. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to a range of advisory and brokerage services through an integrated platform that combines adviser programs with the sale of financial and insurance products.

Ted Cocoles is a Series 66 licensed financial advisor with 16 years of industry experience. He is currently with Charles Schwab and Charles Schwab Bank SSB, having previously worked at TD Ameritrade, Inc. Outside of his advisory work, he serves as President of the San Jose chapter and Treasurer of District 6 of the Pan Cretan Association of America, a nonprofit organization promoting Cretan culture and history. 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 separate managed accounts and offers a distinctive operational structure that includes centralized custody and supervision.

Dinesh Sawal is a Series 66-licensed financial advisor with Ameriprise in Fremont, CA, with 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as Treasurer for the Alameda County Library Foundation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research and modeling with personalized recommendations and offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Weiheng Zhang is a CFA® charterholder with eight years of industry experience, currently serving at J.P. Morgan Securities LLC. His career includes roles at JP Morgan Chase Bank, Bank of America, Merrill, and Beijing Fengpei Fund LLC. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services alongside affiliated brokerage and investment management capabilities.

William Beaufore is a Series 66 licensed advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab, his background includes roles in food service and hospitality as well as entrepreneurial involvement with BLK Earth Sea Spirits. 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’s integrated structure combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investment products.

Riley Krook is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2018, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also has past experience at Stonerise Capital Partners and served on the University of Oregon staff. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Dao Nguyen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 66 and Series 63 licenses and bringing 10 years of industry experience. His prior work includes roles at Citibank, Wells Fargo, Guaranteed Rate, and Loan Depot. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm focuses on non-discretionary services, allowing clients to retain final decision-making authority.

Anthony Liu is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 designation and 23 years of industry experience. He has worked at Charles Schwab Bank, Charles Schwab, TD Ameritrade, and Fidelity Brokerage Services over his career. 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 separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Kosin Cheng is the Vice President and Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2024. He is a CERTIFIED FINANCIAL PLANNER™ with extensive experience in financial services, focusing on providing strategic wealth management guidance to families. Kosin serves as a strategist, educator, and thinking partner, collaborating closely with clients to define priorities and make informed decisions centered on thoughtful planning and disciplined execution. Kosin has held several positions at Fidelity Investments since 2005, including Vice President Executive Planning Consultant, Vice President Financial Consultant, Account Executive, Financial Planning Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at US Bank and as a Customer Associate at CIBC. He holds a California Insurance License, supporting his expertise in financial planning and wealth management. Outside of his professional commitments, Kosin's interests include art, food, hiking, movies, pets, and traveling.

Meredith Westerman is a financial advisor at Morgan Stanley in Palo Alto, CA, with 13 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services for 10 years before joining Morgan Stanley in 2026. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process and various tools to assist clients but generally acts in an advisory capacity rather than as a fiduciary unless specifically engaged.

Susan Bergstrom is a financial advisor with Edward Jones in Cupertino, CA. She holds a Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, she worked for ten years at Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices across the United States.