Rajani Gangalvoi is a financial advisor with Charles Schwab based in San Ramon, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Schwab in 2021, she worked at Wells Fargo in various roles from 2015 to 2021. Outside of her advisory work, she serves as vice president and board member of the nonprofit Tri Valley Kannada Sangha. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and cash management services through its Schwab Wealth Advisory program and affiliated managed accounts. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and has a distinctive operational model that supports a broad range of client needs.

Jennifer Nelson is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Loftin is a CFA® charterholder with 28 years of industry experience, currently serving as a financial advisor at OSAIC since 2023. He has worked at Sagepoint Financial, Inc. since 2009 and is also involved with Wagner Loftin Investment Services LLC, a registered investment adviser firm. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers and managed-account solutions. The firm employs firm-provided asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Hai Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 11 years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously spent eight years with J.P. Morgan Chase Bank. Outside of his advisory role, he has a limited involvement as an owner and partner in a residential real estate business. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Matthew Forrey is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Advisors and City National Bank. He also serves as a trustee in a family trust. RBC Wealth Management, a division of RBC Capital Markets, provides advisory and brokerage services to a diverse client base, offering customized portfolio management through a combination of in-house and third-party investment managers and programs tailored to clients’ risk profiles.

Kara Belasco is a financial advisor with Merrill and holds the Series 66 designation. She has 18 years of industry experience and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011 and Bank of America since 2021. Outside of her advisory work, she serves as treasurer for a youth soccer team with Mustang Soccer, a nonprofit organization. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Cortland Golightly is a financial advisor at LPL Financial with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with firms including Morgan Stanley, Lincoln Financial Advisors Corporation, and Insight Wealth Strategies. Golightly also operates Golightly Wealth Advisors, an S-Corp for tax purposes related to his investment activities. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Timothy Sanchez is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an assistant wrestling coach at Northgate High School. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services for individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques, offering advisory services primarily in a non-fiduciary capacity unless otherwise engaged.

Anjuna Manel Singh is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Luke Asher is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2021. Prior to joining Morgan Stanley, he was employed at UBS from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Clayton Sowder is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He has been with Cetera Investment Advisors since 2026 and previously worked at Cetera Advisors and Retirement Wealth & Tax Advisors. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, operating through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Aaron Medema is a financial advisor with Wells Fargo Clearing in Walnut Creek, CA, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A., where he has worked since 2007. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes investment options such as insurance-related vehicles and bank deposit sweep programs.

Ting Gong is a financial advisor at J.P. Morgan Securities with 4 years of industry experience. They hold the Series 66 and Series 63 designations. Prior to joining J.P. Morgan, Ting Gong worked at Citibank for four years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

James Skilling is a financial advisor with Equitable Advisors in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Equitable Advisors since 2012, including time under its prior name, Axa Advisors, LLC. Equitable Advisors serves individual investors, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs, using a mix of proprietary and third-party investment models delivered through a broad network of Investment Adviser Representatives.

Ashanti Loggins is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 designations and totaling 27 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by proprietary tools and modeling techniques.

Jennifer Strohecker is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Ameriprise and Ameriprise Financial Services, Inc. Jennifer is based in Walnut Creek, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its planning approach.

Wahid Haidari is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Bank and Wells Fargo Clearing. Prior to his financial services career, he held various roles in the automotive industry. 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. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Scott Pederson is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Securities America Advisors, Foothill Securities, and Provident Credit Union, where he remains involved in member services. OSAIC serves a broad mix of retail and institutional clients through a large network of advisors and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs.

Michael Cruz is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary models to assist clients, offering services primarily in an advisory capacity.

Jill Raymond is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding a Series 66 credential and 22 years of industry experience. Her work history includes roles at MassMutual Northern California and Cambridge Investment Research Advisors, among others. She also spent time with Atlas Vineyard Management/Atlas Wine Company. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software and structured annual planning engagements.