Julian Lai is a financial advisor at Morgan Stanley with eight years of industry experience. He has been with Morgan Stanley since 2015 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

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, Utomo worked at Bordeaux Wealth Advisors and UBS Wealth Management. Based in Palo Alto, CA, Utomo holds Series 63 and Series 65 registrations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework. The firm’s services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

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 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.

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 LPL Financial, based in San Jose, CA, and has 47 years of industry experience. He has been affiliated with LPL Financial for 43 years and holds securities licenses including Series 63 and Series 65. Outside of his advisory work, he is involved in non-variable life, health, and disability insurance services and has experience as a real estate broker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, third-party asset management, and institutional platforms, supporting investment strategies that include model portfolios, direct indexing, and alternative exposures.

Michelle Yeh is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over two decades of experience in financial services since 2003. Her professional journey encompasses a comprehensive background from personal banking to wealth management, enabling her to guide clients confidently toward their financial objectives. Michelle's areas of expertise include college education planning, personal retirement planning, portfolio management services, tax minimization, and managing new wealth. She works closely with clients to develop customized wealth management strategies that adapt to evolving personal needs and market conditions. Michelle holds professional designations such as Accredited Wealth Management Advisor (AWMA), Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her bachelor's degree in Business Management from the University of California, Santa Cruz, and an MBA from Santa Clara University. Based in the Bay Area, Michelle is fluent in Mandarin, English, and Chinese. Outside of her professional commitments, she enjoys cooking, gardening, rock climbing, running, spending time with her family, playing tennis, watching movies, and practicing yoga. Michelle is also engaged in community service, volunteering with local organizations in alignment with Merrill Lynch's tradition of community involvement.

Nicole Simon is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Eric Tallon is an Investment Consultant at Fidelity Investments, bringing several years of experience in financial advisory roles. He began his career as a Financial Advisor at Merrill Lynch from 2013 to 2015, followed by a position as a Financial Consultant at Scott Trade in 2016. He then served as an Investment Solutions Representative at Fidelity Investments from 2022 to 2025 before assuming his current role. Eric holds a California Insurance License, supporting his ability to provide comprehensive financial advice. He partners with clients to build long-term financial advisory relationships, aiming to deliver tailored and objective advice that empowers clients to pursue their personal passions and goals. Outside of his professional work, Eric enjoys gardening, hiking, parenthood, reading, and playing tennis.

Keith France is a financial advisor with Cetera in San Jose, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at BMO Harris Financial Advisors and M&I Financial Advisors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Gregory Newell is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked across several Schwab affiliates, including Charles Schwab Trust Bank and Charles Schwab Premier Bank. 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, offering multi-asset model portfolios supported by in-depth research and a centralized operational structure.

Scott Rogers is a financial advisor with Wells Fargo Clearing in Fremont, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ophelia Swen is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. She has previously worked at LPL Financial LLC, Cairn Wealth Advisors, KeyCon, HRC Fertility, and Corinthian Parking Services, with a total of several years of diverse experience. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Charles Pickett is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Spencer Crume is a Series 66-registered financial advisor with 11 years of industry experience, currently with Ameriprise Financial Services. He previously worked at Merrill and Bank of America for eight years and has experience from Edward Jones and Full Sail University. He serves as Treasurer on the Board of Directors for the Dominus Sports Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing planning advice focused on retirement income strategies, leveraging proprietary research and algorithmic tools.

Sarah Delaney is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. She previously worked at Merrill from 2014 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Jennifer Tran is an Investment Consultant at Fidelity Investments, a position she has held since 2025. In this role, she connects with clients and their families to develop personalized strategies that align with their unique goals and priorities. Jennifer has over a decade of experience in the financial industry. Prior to her current role, she worked as a Regional Insurance Specialist at Citigroup from 2022 to 2024, and as a Registered Representative at New York Life Insurance Company from 2014 to 2022. She also held positions as a Senior Relationship Banker at Union Bank from 2013 to 2014 and as a Relationship Banker at JP Morgan Chase Bank from 2011 to 2013. She holds a California Insurance License. Outside of her professional work, Jennifer enjoys spending time at the beach, gardening, watching movies, swimming, traveling, and practicing yoga.

Marina Strasser is a CFP® with five years of industry experience, currently affiliated with Charles Schwab in Los Altos, CA. Her work history includes multiple roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of financial services, she owns an investment property that she plans to rent out beginning in December 2025. Charles Schwab serves a large client base of 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 offers both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.