Eric Sponburgh is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with Morgan Stanley and its affiliates since 2011, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is involved in equestrian activities as an owner and partner in related ventures. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies, while providing various investment products and services within a large institutional framework.

John Slattery is a Planning Consultant at Fidelity Investments, where he collaborates closely with families and individuals to identify their unique financial needs and support informed decision-making. He focuses on maintaining adaptable financial plans that evolve in line with his clients' changing circumstances. John has been with Fidelity Investments since 2023, progressing from Financial Representative to Relationship Manager before becoming a Planning Consultant. He holds a California Insurance License, which supports his work in financial planning. Outside of his professional role, John has interests in fitness, football, golf, movies, and running.

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 licenses and has worked previously at Securities America Inc., Securities America Advisors, LPL Financial, and Kestra Financial Services. He is also trustee of the Dinesh & Seema Goyal Family Trust. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charitable organizations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates portfolio optimization and risk management tools.

Giang Le is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 and Series 63 designations. His prior roles include positions at J.P. Morgan Securities and JPMorgan Chase Bank, as well as academic experience at De Anza College and CSU East Bay. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Anthony Nguyen is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Wells Fargo Investments and NSI Engineering prior to joining J.P. Morgan in 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a forward-looking capital market approach and includes capabilities in derivatives and commodities.

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 credential and one year of industry experience. Prior to joining Fidelity, he was involved in entrepreneurial ventures including Junior's Farm LLC and Dolce Spazio Gelato. He also has a background in education, having completed studies at the University of California, Santa Cruz, De Anza Community College, and other institutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail and institutional investors. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves notable roles such as advising registered investment companies and delivering portfolios for Fidelity Institutional Wealth Adviser.

Yong En Xiao is a financial advisor with Wells Fargo Clearing based in Palo Alto, CA, holding Series 65 and Series 63 credentials and eight years of industry experience. Prior to joining Wells Fargo Clearing in 2018, Xiao worked at J.P. Morgan Securities and J.P. Morgan 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 from Wells Fargo Investment Institute and third-party databases.

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 in Palo Alto, CA, holding Series 63 and Series 65 licenses with four years of industry experience. Her work history includes positions at J.P. Morgan Chase Bank NA, JPMorgan Securities LLC, and AllianceBernstein. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The advisory process integrates centralized due diligence with quantitative and qualitative research and may include ESG considerations.

Aidin Soltani Hendesi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds Series 63 and Series 65 licenses and has 10 years of industry experience, including ongoing roles at Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2014. 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 sources.

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.

George Pekeshe is a financial advisor at LPL Financial with a Series 66 designation. He has prior experience at Rettew, Enviroscan Inc, Stanford Federal Credit Union, and Franklin and Marshall College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Phaby Utomo is a CFP® and CFA® credentialed advisor with three years of industry experience, currently serving at J.P. Morgan Securities in Palo Alto, CA. Their prior experience includes roles at UBS Wealth Management and Bordeaux Wealth Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting with a non-discretionary approach supported by centralized due diligence and a manager solutions team.

Donna Cirelli is a financial advisor with Primerica Advisors, holding a PFS™ designation and a Series 63 license, and has 27 years of industry experience. Her background includes work with the U.S. Treasury/IRS, Farmers Financial Solutions, and a real estate sales role at Century 21 since 2018. She is also a partner at Muller & Associates, a CPA firm where she commits approximately 20 hours per month. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 financial advisors and $15.5 billion in assets under management, offering model-based investment strategies supported by third-party asset managers.

Curtis Ko is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Investments and Wells Fargo Clearing since 2007. 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.

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 Syncrasy, a business operating a Baskin-Robbins franchise in Redwood City, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.