Jacobo Koen Ruben is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked for Rockefeller Capital Management for six years and has additional experience at Financial Clarity and Willamette University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios using mutual funds, ETFs, and ETPs. The firm also provides multi-manager fund advisory and serves as a commodity pool operator registered with the CFTC.

Jeffrey Oberle is a financial advisor with Fidelity who holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior work experience includes roles at Morgan Stanley and In-N-Out Burger before joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm also serves multiple registered investment companies and offers algorithmic portfolio construction supported by AI and long-term asset allocation benchmarks.

Marc Kriessmann is a financial advisor with OSAIC in San Mateo, CA, holding Series 65 and Series 66 licenses and bringing 17 years of industry experience. He has previously worked at Securities America Advisors, Inc. and Securities America, Inc. and is involved in managing fixed annuity products primarily for public employees and nonprofit organizations through Ben Yohanan Annuity & Insurance Agency, Inc. Additionally, he serves as Managing Director at Hatch Retirement Advisors, focusing on retirement-related planning and coordination of life transitional events for retirees and their families. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm utilizes various advisory platforms and asset-allocation tools to provide integrated brokerage and investment advisory services, supporting both discretionary and non-discretionary portfolio management.

Jong Hyun Kim is a Series 66 registered advisor with Charles Schwab, based in San Mateo, CA, and has four years of industry experience. His prior roles include positions at West Valley Community Services, YMCA of Silicon Valley, Downtown College Prep, and Berryessa Union School District. Kim has worked with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2021. 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 offers both non-discretionary and discretionary investment services utilizing multi-asset model portfolios and alternative investment options, supported by a large-scale integrated operational structure.

Ahmad Hojatnia is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at JPMorgan Chase Bank, Bank of America, Merrill, and Raymond Young CPA. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors, combining institutional advisory operations with brokerage and investment management capabilities.

Timon Shaw is an Investment Consultant at Fidelity Investments, a role he has held since 2025. His approach centers on understanding clients' risk tolerance, investment preferences, and personal backgrounds to develop financial plans aimed at achieving financial freedom for individuals and families. Prior to his current position, Timon served as Associate Vice President of Private Markets at Upmarket from 2023 to 2024. He also has experience as a Financial Advisor and Client Associate at Merrill between 2019 and 2021. Timon holds a California Insurance License. Outside of his professional work, Timon has personal interests that include attending concerts, fitness activities, football, golf, and snowboarding.

Dong Choi is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise since 2012, including six years at the current firm. Outside of his advisory role, Choi serves as Treasurer on the Board of Directors for the Monsoon Education Youth Project and is a member of Endless Knot, both nonprofit organizations based in Globe, AZ. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-based recommendation reports combining modeling, tax strategies, and asset management, delivered through a centralized consulting team in partnership with financial advisors.

Max Kaplan is a financial advisor at Fisher Investments with seven years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research, implements tax-aware strategies, and manages risk through various defensive tactics.

Patrick Bauzon is a Financial Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as an Investment Consultant at Fidelity Investments from 2023 to 2025. His career in financial services spans over nine years, including experience as a Financial Advisor at Twin Peaks Wealth Advisors from 2021 to 2023 and as a Registered Sales Associate at Fremont Bank from 2018 to 2021. Patrick holds a California Insurance License, which supports his professional capabilities in the financial sector. His work focuses on providing clients with tailored financial plans to help navigate areas such as wealth accumulation, retirement, and income planning, utilizing Fidelity's planning tools and services. Outside of his professional career, Patrick has interests in cars, football, outdoor adventures, pets, and traveling.

John Mathews is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary modeling techniques to support its advisory services.

Ian Foo is a financial advisor with LPL Financial in Palo Alto, CA, holding a Series 66 credential and bringing 14 years of industry experience. His prior roles include positions with Cetera Investment Services, MW Wealth Advisors, and Scottrade. He is also involved with Stanford Federal Credit Union in a financial institution capacity. 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 range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Linh Truong is a financial advisor with Raymond James Financial Services Advisors, Inc. in Cupertino, CA, holding Series 63 and Series 65 credentials and possessing 23 years of industry experience. Linh has been associated with Raymond James since 2012 and concurrently works with First Tech Federal Credit Union since 2014. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and public entities. The firm primarily provides financial planning and non-discretionary investment consulting, utilizing a range of implementation options and supported by extensive research and an affiliate network.

Maximilian Mc Kelvy is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at BlackRock Investments, LLC for five years before joining Morgan Stanley Private Bank and Morgan Stanley in 2021. Mc Kelvy is the sole proprietor of Pacific Succession Planning LLC, a marketing entity based in San Francisco focused on business development and growth. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market modeling techniques.

Wendi Hao is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023, following four years at Bank of America, N.A. Prior to her current roles, she had experience at a management consulting group with an assignment at BlackRock, Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Zipeng Zheng is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Shoji Sushi. 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. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Maha Riaz is a Planning Consultant at Fidelity Investments, a position she has held since 2026. In this role, she focuses on helping clients navigate complex financial strategies by tailoring plans to their evolving life stories, aiming to facilitate objective and confident decision-making aligned with clients' values and goals. Prior to her current role, Maha worked as an Associate at Morgan Stanley from 2025 to 2026, and she has experience in wealth operations from her time at SVB Private between 2021 and 2024. Her professional background encompasses financial planning and wealth management. Outside of her professional career, Maha enjoys badminton, family activities, social events with friends, horseback riding, movies, and parenthood.

Chris Hu is a CFA® charterholder and holds a Series 66 license, with six years of experience in the financial services industry. He is currently with Morgan Stanley in Menlo Park, CA, and previously worked at Charles Schwab, Fidelity Investments, Bank of America N.A., and Merrill. His background also includes involvement with Blockchain At Berkeley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools alongside input from its Global Investment Committee.

Mary Winchester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured processes and advanced modeling tools.

Selina Soo is a financial advisor with Ameriprise in Burlingame, CA, holding a Series 63 designation and over 31 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves as president on the board of directors for the Asian Women Resources Center. Ameriprise provides a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jonathan Brown is a financial advisor with Ameriprise Financial Services in Fremont, CA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at IFP Securities, Independent Financial Partners, and LPL Financial. Outside of his advisory work, he is involved in independent insurance brokering and also works as a driver for Lyft, DoorDash, and Uber. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing advice based on a combination of investment research, third-party data, and algorithmic tools.