Paul Yang is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank. Yang is based in Milpitas, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary investment guidance and access to discretionary separately managed accounts. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Dinesh Goyal is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Securities America Advisors, LPL Financial, and Kestra Financial Services. Goyal is also a trustee of the Dinesh & Seema Goyal Family Trust. OSAIC serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and supports a variety of account management options, including discretionary and non-discretionary management.

Joseph Estabillo is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at firms including JPMorgan Chase Bank and Wells Fargo. Based in San Jose, CA, his career also includes roles at CUSO Financial Services and Patelco Credit Union. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Giang Le is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity in 2025, Giang held roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., each for one year. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors, through discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and is noted for its use of systematic methodologies and AI-driven strategies.

Anthony Nguyen is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63, 65, and 66 licenses and bringing 17 years of industry experience. His background includes roles at NSI Engineering and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm integrates institutional advisory capabilities with brokerage, distribution, and investment management services.

Scott Yee is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Wells Fargo Clearing and Wells Fargo Bank, NA. His prior experience includes roles at JPMorgan Chase Bank, Morgan Stanley, Citi Personal Wealth Management, and several insurance and health-related companies. 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 research from Wells Fargo Investment Institute and third-party data.

Jesus Morales Moreno is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he has worked in various roles including operating Junior's Farm LLC and Dolce Spazio Gelato. He also has an educational background spanning several years at institutions including the University of California, Santa Cruz. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its registration with the CFTC as a commodity pool operator and its advisory role to multiple registered investment companies.

Yong En Xiao is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, J.P. Morgan Securities, and J.P. Morgan Chase Bank. Outside of his advisory work, he is a rental property owner in Elk Grove, California. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.

Amar Singh is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial industry since 1995 and works with individuals, families, and business owners to understand their financial situations, time horizons, and liquidity needs. He assists clients in articulating both short- and long-term goals and recommends financial strategies aligned with their objectives. Amar employs a holistic approach that integrates wealth and liability management, combining personalized service with investment insights from Merrill and banking access through Bank of America. Before joining Merrill Lynch, Amar served as a Vice President at BOK Financial. He holds a Bachelor’s degree from Jai Hind College and an MBA from the University of Colorado at Denver. He is also a CERTIFIED FINANCIAL PLANNER® (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, executive compensation, family wealth management, retirement planning, small business strategies, and socially responsible investing. Outside of his professional work, Amar is involved in community service through organizations such as Second Harvest Food Bank. He enjoys spending time with his family and engaging in outdoor activities, including golf, swimming, biking, and various sports. Amar communicates fluently in Hindi, Punjabi, and English.

Mary Warmbier is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked at JPMorgan Chase Bank NA and AllianceBernstein among other firms. 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 through a team of Wealth Advisors. The firm delivers these advisory services alongside brokerage, distribution, and investment management capabilities.

Aidin Soltani Hendesi is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing discretionary investment options that include insurance-related vehicles and bank deposit sweep programs.

Mathew Miller is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of the West, Bancwest Investment Services, Inc., and JPMorgan Chase 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 and offers both brokerage and advisory solutions supported by research and analytics.

Carter Crum is a financial advisor at UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as both an investment adviser and a broker-dealer.

Douglas Gilliland is a Series 66-credentialed financial advisor with Morgan Stanley in Cupertino, CA, bringing 22 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he is involved in elder care and support for a minor child through activities connected with the County of Santa Clara. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning services.

Phaby Utomo is a CFP® and CFA® credentialed advisor at J.P. Morgan Securities with three years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Bordeaux Wealth Advisors and UBS Wealth Management. He is based in Palo Alto, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Curtis Ko is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. He holds a Series 66 designation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach is grounded in modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Rajesh Cheethirala is a financial advisor with LPL Enterprise, holding a Series 66 designation and four years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, New York Life Insurance Company, and MassMutual Life Insurance Company. Outside of his advisory work, he is the president and owner of TOGO's Baskin-Robbins in Redwood City, CA. LPL Enterprise serves a broad client base including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, advisory services, and access to a variety of investment and insurance products through an integrated platform.

Roger Toguchi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Outside of his advisory role, he serves as a director of a family-owned investment-related corporation and co-trustee of his parents' trust. Wells Fargo Clearing provides retirement plan consulting services primarily to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christian Tice is a CFP® with 47 years of industry experience, currently affiliated with LPL Financial. He has been a financial advisor since 2000 and associated with LPL Financial since 1983. Outside of his advisory role, he has experience in non-variable insurance and mortgage/real estate services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and various technology-driven strategies.

Michelle Yeh is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a career in the financial services industry beginning in 2003, she brings over two decades of experience to her role, offering a comprehensive approach to wealth management. Michelle focuses on helping clients pursue their long-term financial goals by developing personalized strategies tailored to their needs. Her expertise spans college education planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Michelle holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of California system and an MBA from Santa Clara University. Based in the Bay Area, Michelle is fluent in Mandarin, English, and Chinese. Outside of her professional work, she enjoys cooking, gardening, rock climbing, running, spending time with family, tennis, watching movies, and practicing yoga. She also dedicates time to volunteering with community organizations, reflecting her commitment to the communities she serves.