Ali Poswal is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he partners with clients to understand their financial goals and helps build customized financial plans tailored to their unique needs. He places importance on forming strong relationships with clients and their families to maintain trust, reliability, and competency. Ali has accumulated experience in the financial services industry through his previous positions, including Senior Financial Consultant at TD Ameritrade from 2018 to 2022, Financial Consultant at E*Trade from 2016 to 2018, and Assistant Vice President, Private Banking Manager at Technology Credit Union from 2012 to 2016. He holds a California Insurance License. Outside of his professional responsibilities, Ali enjoys family activities, exploring food, football, hiking, outdoor adventures, and traveling.

Cindy Asano is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and IEQ Capital. Outside of her advisory role, she is involved with UniversalGiving, a nonprofit organization where she assists in vetting nonprofits for compliance. 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 an ESG eligibility framework to guide customized investment recommendations.

Terrance Feeney is a CFP® with 41 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors from 2012 to 2016. Outside of his advisory role, he owns and operates Terry Feeney Fine Art, a business focused on selling fine art. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Alex Pineda is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities in 2024, he worked at JPMorgan Chase Bank, N.A., First Republic Bank, and Bank of America. 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 an ESG eligibility framework.

Anthony Hsiao is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016, with an ongoing affiliation with Wells Fargo Bank, N.A. since 2009. 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 products and bank deposit sweep options among its investment offerings.

Gregory Murphy is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 1998 and Bank of America, N.A. since 2009. Outside of his advisory role, he is an owner of Grizzly Hilton Inc and Apple Tree Village LLC, a family-owned business that manages land in California. Merrill 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 to individuals, high-net-worth clients, pensions, and other institutional clients.

Aspasia Iosifellis is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and bringing one year of industry experience. She has previously worked at First Republic Bank and Silicon Valley Bank. Outside of her advisory role, she serves as Treasurer and Board of Directors member for the Greek American Professional Women Society, a nonprofit organization focused on promoting Greek culture and providing scholarships. J.P. Morgan Securities LLC offers institutional consulting services to clients such as corporations and foundations, providing asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis.

Ellen Neumark is a CFP®-certified financial advisor with 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Jon King is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and having 25 years of industry experience. He has worked at Morgan Stanley since 2009 and has been part of Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools, though clients are responsible for plan implementation and updates.

Jason Dondero is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 16 years of industry experience. He has worked at Avantax Advisory Services and Avantax Investment Services, among other firms. In addition to his advisory role, he is employed at PH Tax & Wealth Solutions CPAs, Inc., where he provides accounting and tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services, operating as a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Yuqing Zhang is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, Yuqing held roles at Aspiriant, Golden Eagle Asset Management, and CICC Wealth Management, and has academic experience from the University of Southern California and the University of California, Irvine. Yuqing holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients with 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 proprietary research and capital markets services through a broad platform.

Joshua Mcferron is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2005, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Based in San Francisco, CA, he has been with Morgan Stanley for over two decades. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs emphasizing tailored financial planning and manages approximately $2.74 trillion in client assets.

Dylan Schoeben is a Series 66-licensed financial advisor with Morgan Stanley in San Rafael, CA, and has eight years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Outside of his advisory role, he provides astrological readings through his sole proprietorship, offering written reports on birth charts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary investment models in its advisory process.

Moises Ramirez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Capstone Logistics, and Amazon. Merrill 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 to individuals, high-net-worth clients, and institutional investors.

Masood Niazi is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Citigroup and Merrill. Outside of finance, he was involved in an import-export and automobile business, Niazi Import Export LLC/Empire Motors, from 2020 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Shani Hatcher is a financial advisor with Morgan Stanley, holding a Series 66 license and bringing 23 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory work, she owns Shani's Living Creations, a retail and online store based in Hayward, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.

Brendan Dempsey is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding a Series 66 designation and 16 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC. He has also been associated with Wells Fargo Bank, N.A. since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s approach is IPS-driven and based on modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Alice Kwok is a financial advisor with Merrill in San Francisco, CA. She holds a Series 66 designation and has 24 years of industry experience, including 25 years at Merrill. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program. The firm serves a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries, offering model-based and discretionary investment strategies integrated within Bank of America’s broader platform.

Walter Lim is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he owns a rental property in Kapolei, Hawaii. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kirk Cowan is a financial advisor at Edward Jones with eight years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Doric Realty Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products, supported by a network of more than 23,700 financial advisors nationwide.