Victor Mandella is a financial advisor with Cetera, holding CFP® and PFS™ designations and over 28 years of industry experience. He has worked at several firms, including Avantax and 1st Global, and is an officer at Moon & Mandella Accountancy Corporation, a CPA firm. Additionally, he serves as a mortgage broker associate and is involved in managing his own real estate investments. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and planning services through a multi-manager platform, providing access to affiliated and third-party managers with both discretionary and non-discretionary program options.

Tze Hng is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 designation and 18 years of industry experience. Prior to joining J.P. Morgan Securities in 2022, Tze worked at Wells Fargo and Fidelity in various advisory and brokerage roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and offers services on a non-discretionary basis.

Cynthia Lloyd is a financial advisor at Fidelity with Series 65 and Series 66 designations and two years of industry experience. She has held positions at Fidelity Investments and Fisher Investments, and previously worked in senior living and education. Outside of her advisory role, she occasionally works as a concierge at a senior living facility in Texas. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios including mutual funds, ETFs, and fund-of-funds.

Volter Davoudi is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He has been with Wells Fargo in various capacities since 2009. Davoudi also owns Davoudi Wealth Management, Inc., a business related to investment activities operating in San Jose, CA. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including retirement, education, risk, and wealth-transfer planning, using Wells Fargo research and tools to develop tailored recommendations for clients.

Gregory Yuen is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2017, following seven years at Cuso Financial Services. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Monique Garduno is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A. and Wells Fargo. 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.

Brian Thorbrogger is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market models.

Sukhminder Madtha is a financial advisor at Fidelity with two years of industry experience. Prior to joining Fidelity, he worked for Credit Suisse for three years and spent five years as a homemaker. He holds the Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using proprietary research, quantitative analysis, and algorithmic methods. The firm serves a diverse client base and is notable for its roles as a commodity pool operator and advisor to multiple registered investment companies.

Samuel Cannon is a CFP® certificant with nine years of industry experience. He currently works at Cetera and has held advisory roles at JY WealthCare, Johanson & Yau, Avantax, and Fidelity Brokerage Services. He is involved in financial planning and wealth management through JY WealthCare, LLC and provides financial advisory services within Johanson & Yau, an accounting firm with a wealth management division. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of investment program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.

Shanelle Winters is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation. She has over 20 years of experience in the industry, including 23 years at Wells Fargo Bank and more recent positions at Bank of America and Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Toy is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services, Securities America, Inc., and LPL Financial. His practice includes operating under the DBA Toy Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program options.

Noah Rubin is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and investment services supported by firm-approved tools and methodologies.

Hanh La is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and seven years of industry experience. Hanh has worked at JPMorgan Chase Bank, N.A. and Kaiser Permanente prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Alexandra Tran is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2014. She specializes in creating and maintaining customized financial plans aimed at helping clients achieve their financial goals. Alexandra's approach involves understanding each client's unique situation to assist them in making informed financial decisions. Alexandra has over 19 years of experience in the financial industry. Prior to her current role, she held positions at Fidelity Investments as an Investment Consultant from 2011 to 2014 and as a Financial Representative from 2008 to 2011. She began her career as a Financial Advisor at Ameriprise from 2006 to 2008. She holds a California Insurance License.

Jami Rhoads is a financial advisor at Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 17 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 serving both individual and institutional clients. The firm offers a broad range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Dillon Magee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Bank and experience outside the financial sector at Sun Shops and the University of California, Santa Cruz. Wells Fargo Advisors is a national firm providing 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.

Shawn Liu is the Vice President Private Wealth Management Advisor at Fidelity Investments, a position held since 2026. In this role, he leads a team focused on delivering a disciplined and relationship-driven financial planning approach. His work centers on understanding family values, long-term goals, and the complexities associated with significant wealth to support clients in making informed financial decisions. Shawn's professional experience includes roles as a Wealth Advisor at Schwab Wealth Advisory in 2025-2026, and Vice President, Financial Consultant at Charles Schwab & Co. Inc. from 2020 to 2025. Prior to that, he served as a Financial Planner at Lincoln Financial Advisors between 2014 and 2020 and started his career as a Para-Planner at Lincoln Financial Advisors in 2013-2014. He holds insurance licenses in both Arkansas and California. Outside his professional pursuits, Shawn has interests that include cooking and baking, fitness, golf, parenthood, reading, and traveling.

Andrew Forman is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His prior experience includes roles at Synopsys, Randstad, and California Polytechnic University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors.

Nathan Van Dell is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at John Mills and been involved with the United States Tennis Association. Outside of finance, he has been active with the Peninsula Community Center for several years. Morgan Stanley Wealth Management provides a wide range of advisory services to both individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive asset management capabilities.