Dan Flores is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Flores serves on the board of the Mounted Patrol Foundation of San Mateo County, a community organization supporting equestrian initiatives and youth programs. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to assist clients in financial decision-making.

Daniel Rave is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 65 and Series 66 designations. His prior roles include eight years at Wells Fargo Clearing and seven years at Wells Fargo Investments, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across multiple asset classes.

Ngan Liang is a Vice President and Financial Consultant at Fidelity Investments, where he currently works to provide financial advice tailored to clients' individual goals. He joined Fidelity in 2023, bringing with him extensive experience from his previous role as Vice President and Financial Solutions Advisor at Bank of America Merrill Edge, where he worked from 2012 to 2023. Ngan holds a California Insurance License, supporting his expertise in financial consulting and investment strategies. Outside of his professional work, he engages in personal interests such as cooking and baking, participating in family activities, social events with friends, hiking, caring for pets, and traveling.

Patrick Ho is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has previously worked as a Private Client Advisor at J.P. Morgan Chase Bank, N.A. from 2018 to 2019 and as a Financial Advisor at J.P. Morgan Securities, LLC from 2017 to 2018. Patrick focuses on building strong relationships with clients to develop financial plans tailored to their unique needs. He holds a California Insurance License. Patrick's approach emphasizes understanding what is important to his clients and their families to collaboratively create effective financial strategies.

Nicky Wright is an Investment Consultant currently working at Fidelity Investments since 2026. She has prior experience as a Financial Advisor at Northwestern Mutual from 2023 to 2026 and has held roles such as Advanced Brokerage Representative at Robinhood from 2020 to 2022 and Customer Relationship Advocate at Fidelity Investments from 2019 to 2020. Her professional approach centers on partnering with clients to understand their priorities and co-develop tailored financial and investment strategies. She holds a California Insurance License and focuses on strategic financial and investment planning to help individuals and families pursue financial success through preserving, protecting, and growing their assets. Outside of her professional role, Nicky is interested in art, food, movies, outdoor adventures, reading, and singing.

Kenneth Prodger is a financial advisor with Cambridge Investment Research Advisors in Santa Clara, CA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked at Mass Mutual Investors Services for eight years before joining Cambridge in 2014. Prodger is also the founder of the Special Needs Planning Group, a business focused on insurance, benefits, and human resources services. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms.

Priya Sagar is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2024. She specializes in providing comprehensive financial planning that includes investment guidance, tax-efficient investing, and long-term strategy development. Her approach focuses on understanding clients' personal goals to create tailored financial solutions. Prior to her current role, Ms. Sagar held positions as Senior Vice President and Private Banker at Citigroup from 2022 to 2024, Vice President and Private Client Advisor at J.P. Morgan N.A. from 2019 to 2022, and Financial Advisor at Merrill Lynch from 2018 to 2019. She holds a California Insurance License, supporting her expertise in managing insurance-related financial planning. Outside of her professional work, Priya engages in family activities and enjoys sports such as surfing, swimming, and tennis. She also dedicates time to volunteering within her community.

Huiying Cheng is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 10 years of industry experience. She has previously worked at Bank of America, Merrill, and Fidelity Brokerage Services. Cheng is currently affiliated with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm utilizes structured planning tools and investment models to support client outcomes, managing approximately $2.74 trillion in assets.

Julie Tung is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her career includes roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

Adrian Lee is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has been with various Charles Schwab entities since 2024. Outside of his advisory role, he occasionally sells used personal items on an online marketplace. 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 discretionary separately managed accounts, multi-asset model portfolios, and a centralized operational structure.

Keith Mc Ginnis is a financial advisor at Edward Jones in Los Altos, CA, holding a Series 66 designation with two years of industry experience. He has been associated with Edward Jones since 2010. Outside of his advisory role, he has worked part-time in the heating and cooling industry, handling building permit processes. 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 and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Gabriella Wang is a financial advisor at Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials with 13 years of industry experience. Her prior roles include positions at CyberX and Merrill before returning to Morgan Stanley in 2019. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured discovery discussions and firm-approved planning tools, with a broad range of retail and institutional investment solutions.

Thomas Bruckner is a financial advisor with Thrivent Investment Management in San Jose, CA. He holds a Series 66 designation and has 23 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002 and 2003, respectively. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial planning topics. The firm focuses on holistic, goal-based analyses and allows clients to integrate planning with managed-account services through a consolidated billing option called “WealthPlan,” while maintaining separate planning and investment management functions.

Eatan Vijan is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at firms including Avantax and TD Ameritrade. Vijan is the founder and president of Naimava Capital Management Group, an investment management and financial advisory business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform with access to affiliated and third-party money managers.

Nolan Michaels is a CFP® and holds a Series 66 license with four years of experience in the financial industry. He has worked at Charles Schwab, Fidelity Investments, Morgan Stanley, Royal Bank of Canada, and Merrill Lynch. Outside of financial services, he has been involved with Room to Read. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with brokerage, custody, and cash-sweep services. The firm’s scale and integrated operational structure distinguish it within the wealth management industry.

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 credentials and has previous work experience at JPMC Bank NA, Bank of America, General Nutrition Center, and Big 5 Sporting Goods. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broader derivatives and commodities capabilities.

Madiyar Rakhymzhan is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Schwab, he had brief tenures at Fidelity Investments, J.P. Morgan Securities, and JPMorgan Chase Bank, among other firms. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

James Oszust is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at JP Morgan Securities and First Republic Bank. 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 through a large network of over 14,000 advisors, offering a range of brokerage and advisory solutions supported by research and analytics.

Alexander Lamont is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He assists clients in managing their wealth by providing investment insights and access to banking and lending solutions through Bank of America. With a focus on helping clients handle various financial priorities, including home purchases, education savings, and healthcare planning, Alexander defines goals collaboratively and chooses portfolio strategies designed to achieve them. He offers ongoing advice and adapts portfolios as clients' situations evolve. Alexander holds a Bachelor's Degree from Saint Mary's College of California and carries the Personal Investment Advisor (PIA) designation.

Demetrios Zarefakis is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked with firms including Fremont Bank, U.S. Bank, U.S. Bancorp Investments, and Waddell & Reed. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and proprietary research tools.