Dipanki Shah is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s IPS-driven advisory process incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options, and it serves as an ERISA fiduciary when providing investment advice.

Sanam Chaudhary is a financial advisor at Edward Jones in Alameda, CA, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to joining Edward Jones in 2025, Chaudhary worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Bank of America. Chaudhary also has experience in the food industry with Newari Kitchen. 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, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Salvador Fernandez Sandoval is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining J.P. Morgan Securities in 2024, he worked at JPMC Bank NA and Bank of America, and earlier held positions in the retail sector. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Qiaoyi Yu is a financial advisor at Charles Schwab with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several firms including J.P. Morgan Securities LLC, Wells Fargo Bank, and Farmers Financial Solutions. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm operates a large, integrated platform combining non-discretionary advisory services with access to discretionary separately managed accounts and a formal alternative investment program.

Demetrios Zarefakis is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 credential and 15 years of industry experience. His prior roles include positions at U.S. Bank and U.S. Bancorp Investments, Inc. He is also involved with Fremont Bank. Outside of advisory work, he has ownership in a real estate rental business. LPL Financial serves individual and institutional clients nationwide, offering a range of advisory programs and financial planning services with both discretionary and non-discretionary portfolio management approaches.

Mohammed Khan is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab since 2003. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related services. The firm offers a combination of non-discretionary and discretionary investment management, leveraging multi-asset model portfolios and alternative investment options within an integrated operational structure.

Alexis Zulueta is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and 66 licenses and having 27 years of industry experience. Prior to joining LPL Financial in 2020, Alexis worked at E.K. Riley Investments, LLC for four years. Outside of advisory work, Alexis is a licensed insurance agent selling various life insurance products and serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, supporting both discretionary and non-discretionary management with resources from LPL Research and third-party subadvisors.

Ronni Andrews is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC from 2015 to 2021 and again since 2022, with a one-year tenure at RBC Capital Markets in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s planning process uses structured discovery conversations and firm-approved tools but does not provide individual security recommendations as part of the standalone planning service.

Erin Escobar is a financial advisor with Fidelity Investments in San Ramon, CA, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Fidelity, she worked at Dibbler, Inc., Franklin Energy, Build It Green, and Digistream Investigations. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, providing model portfolios that utilize mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Trinh Johnson is a financial advisor with Merrill in Oakland, CA, holding a Series 66 designation and 10 years of industry experience. Johnson previously worked at Morgan Stanley for one year and has been with Merrill across two periods totaling over 11 years. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Arnold Mc Queary is a financial advisor with Charles Schwab in Foster City, CA, holding Series 63 and Series 65 licenses and having 40 years of industry experience. He has been with Charles Schwab since 2000 and previously worked at optionsXpress, Inc. from 2013 to 2017. 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 combines a primarily non-discretionary client relationship model with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized custody and supervisory systems.

Dan Santillan is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has previously worked at BMO Bank NA, BancWest Investment Services, and Wells Fargo in various roles. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by research and model portfolios.

Didem Deniz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has been with Wells Fargo Clearing since 2021 and also has experience at Wells Fargo Bank, N.A. since 2018. Prior to her financial services career, she worked at Appen and Hanna Interpreting Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers.

Elly Chan is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 39 years of industry experience. She previously worked at MetLife Securities Inc. for 32 years before joining Mass Mutual Investors Services in 2017. Chan is also an independent insurance agent, servicing Life/Accident/Health and Property & Casualty insurance. 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, providing collaborative, annual financial planning engagements supported by firm-approved analytical tools.

Justin Talamantes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2019. Outside of his advisory role, he owns and operates an e-commerce business through Silent Mantis LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bret Cameto is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America prior to his current roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm‑approved tools and processes. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct client relationships and corporate financial planning agreements.

Kimy Smith is a financial advisor at Mass Mutual Investors Services with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with MML Investors Services LLC and MassMutual Life Insurance Company since 2014. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative, annual planning process with firm-approved software tools and offers a range of programs including estate settlement and employer-sponsored planning.

James Simpson is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Morgan Stanley Wealth Management serves both individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Xiao Lu Jiang is a financial advisor at Charles Schwab with eight years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at TD Ameritrade and Citi Bank. Jiang is based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining broad scale with integrated custody, brokerage, and advisory services.

Daniel Quinn is Vice President and Branch Leader at Fidelity Investments. In this role, he leads a team of financial professionals who partner with clients to develop comprehensive plans and investment strategies tailored to their financial goals. Daniel has been with Fidelity Investments since 2000, progressing through roles including Financial Representative II, Financial Planning Consultant, Assistant Branch Manager, and Vice President Branch Leader since 2012. Prior to joining Fidelity, he worked as a Financial Consultant at WM Financial Services from 1999 to 2000. He holds a California Insurance License.