Qiaoyi Yu is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked previously at JPMorgan Chase and Farmers Insurance. Charles Schwab 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 and offers a centralized, integrated platform with a broad range of investment options.

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.

Josue Rodriguez Vargas is a financial advisor with Charles Schwab and holds a Series 66 designation. He has seven years of industry experience, including six years at Northwestern Mutual Wealth Management Company. He serves as a board member for the West Contra Costa Salesians Boys and Girls Club, participating in fundraisers and volunteer work. 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 and offers a range of multi-asset model portfolios and alternative investments.

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 at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at UBS Financial Services and E.K. Riley Investments. Outside of his advisory role, he is a licensed insurance agent and a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning and access to model portfolios, with a notable scale of over 22,800 advisors and $819 billion in discretionary assets under management.

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.

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 with LPL Financial in Fremont, CA, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at BMO Bank NA, BancWest Investment Services, and Wells Fargo. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Didem Deniz is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds the Series 66 designation and has been with Wells Fargo since 2018, including roles at Wells Fargo Bank and Wells Fargo Clearing. 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 and offers both brokerage and advisory solutions supported by extensive research and analytics.

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 at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2019. Outside of his advisory role, he owns and operates an Amazon FBA e-commerce business through Silent Mantis LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, incorporating ESG criteria and offering broader derivatives and commodities 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 with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009, along with Morgan Stanley Private Bank starting in 2015. Morgan Stanley Wealth Management offers advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and emphasizes an advisory role in financial planning without providing individual security recommendations as part of standalone plans.

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.

Phuong Hart is a Series 66 licensed financial advisor with five years of industry experience, currently practicing at Edward Jones since 2021. Prior to joining Edward Jones, Hart worked at Wells Fargo Bank for six years. Outside of finance, Hart assists with administrative duties for a kitchen and bath design business in Roseville, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. 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 a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Fei Chiang is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2012, following prior roles at Wells Fargo Clearing and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options supported by extensive operational and research tools.