Joseph Peironnet is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank in 2025, he worked at Related Companies, CU Denver Wellness Center, Minio Inc, R&C Brown Associates, Hotel Los Gatos, and spent four years in full-time education. 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 financial planning services. The firm offers a combination of non-discretionary advisory relationships, discretionary separately managed accounts, and an integrated operational model that includes custody, brokerage, and alternative investment services.

Purav Patel is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 licenses and has been associated with various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm’s approach includes discretionary portfolio management, fund advisory, and model portfolio delivery, supported by systematic methodologies and oversight controls.

Charles Lin is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill. Lin is also employed by JPMorgan Chase Bank, where he offers certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Bradley Noval is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 63 designation and 30 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2009. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-efficient withdrawal strategies.

Jackson Aguilar is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior work experience at JPMorgan Chase Bank, Creative Arts Charter School, Loyola University Maryland, Cerberus Operations and Advisory Company, and Zeta Consulting Executive Search. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers its program on a non-discretionary basis and combines large institutional advisory operations with broker-dealer and investment adviser registrations.

Robin Ross is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Ross holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools.

Edward Kofman is a financial advisor at OSAIC with 40 years of industry experience. He holds the CFP® designation and has worked at Royal Alliance Associates and Cal Cap Planning, among other firms. Kofman serves on several nonprofit boards in Alameda, including as president of the Alameda Community Fund and treasurer for the Temple Israel of Alameda Foundation. He is also a financial educator and a wedding officiant. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and unified managed accounts.

Gary Raczkowski is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at J.P. Morgan Securities since 2008 and concurrently at JPMorgan Chase Bank since 2010. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset allocation with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Haiau Ho Nguyen is a financial advisor at Fidelity with 12 years of industry experience. He holds a Series 66 designation and has worked at JP Morgan Securities LLC as well as various Fidelity entities since 2016. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Theresa Ruiz Fong is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she is a part owner of Baden Coin Laundry, LLC, a business she has been involved with since 2006. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Anthony Giuliano is a financial advisor with Osaic Wealth, Inc. based in Pleasanton, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including prior roles at Securities America Advisors, Inc. and Foothill Securities, Inc. Giuliano also owns a tax preparation and planning business, which he integrates with his investment advisory work. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and managed accounts. The firm employs asset-allocation tools and risk-tolerance assessments to build diverse portfolios and supports both discretionary and non-discretionary account management.

David Amann is a CFP® and ChFC® with 22 years of industry experience. He has been with Edward Jones in Redwood City, CA since 2003. 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Wang is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at General Motors Financial and Pi Charging. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution through a variety of investment strategies and manager selections.

Morgan Javonillo is a Planning Consultant at Fidelity, a role held since 2025. Prior to this position, Morgan worked as a Relationship Manager at Fidelity from 2023 to 2025 and as a Financial Representative at Fidelity from 2021 to 2023. Morgan began their financial services career as a Relationship Banker at Bank of America in 2021. Morgan holds a California Insurance License and focuses on building strong client relationships to develop financial plans tailored to individual values and needs. Their approach involves understanding both short-term and long-term goals to ensure that financial plans remain relevant and effective over time. Outside of their professional work, Morgan enjoys baseball, comedy, social events with friends, music, and snowboarding.

Donovan Kerr is a Series 66 licensed advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, he worked with the Levin Johnston Team at Marcus & Millichap and was involved in catering and event services at Domenico Winery Catering & Events. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and model portfolios constructed using systematic methodologies and long-term asset allocation benchmarks.

Ross Irmer is the Vice President and Financial Consultant at Fidelity Investments. He has held various roles within Fidelity, progressing from Financial Representative in 2018 to his current position since 2026. Ross has experience in financial consulting and relationship management, with prior roles including Senior Revenue Analyst at Effectus Group, Senior Revenue Accountant at Palo Alto Networks, and Auditor in public accounting at Ernst & Young LLP. He holds a Certified Financial Planner™ designation and an MBA with a concentration in Finance. Ross is licensed for insurance in California. He focuses on providing a responsive and efficient approach to financial planning, leveraging Fidelity's resources to assist clients with their financial goals.

Richard Huber is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide 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 employs a structured planning process using firm-approved tools and modeling techniques.

Peter Bergquist is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market-based modeling techniques.

Xinqing Lai is a financial advisor with LPL Financial in Union City, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. Prior to joining LPL Financial and BMO Harris Bank in 2025, Lai worked at HSBC Securities and HSBC Bank USA for nine years. Outside of advisory work, Lai has involvement in real estate rental activities. 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 variety of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Anthony Schmidt is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. 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, including tailored financial planning that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.