Shiba Mehra is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has worked in various roles including self-employment and positions at Rakuten and Wells Fargo. Mehra’s background also includes a period of extended travel and a role at the San Francisco Museum of Modern Art. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written Recommendation Reports and ongoing annual retirement planning advice, utilizing proprietary investment research and third-party data within a defined product ecosystem.

Hanyu Zhao is a CFP®-certified financial advisor with 10 years of industry experience. He is currently affiliated with Charles Schwab in Santa Clara, CA, where he has worked since 2016 across various Schwab entities. Prior to that, he was employed by JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2022. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Richard Fulton is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Merrill. He is currently based in Palo Alto, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. Their approach includes structured discovery conversations and firm-approved tools, offering planning without individual security recommendations as part of standalone programs.

James Simpson is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009 and Morgan Stanley Smith Barney since 2009, along with Morgan Stanley Private Bank starting in 2015. Morgan Stanley Wealth Management offers advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and emphasizes an advisory role in financial planning without providing individual security recommendations as part of standalone plans.

Alain Cousin is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Bank of America and Merrill for nine years combined and spent a year at Raiser LLC. Outside of his advisory role, he serves as a licensed soccer referee with the Peninsula Soccer Referee Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Xiao Lu Jiang is a financial advisor at Charles Schwab with eight years of industry experience. She holds the CFP® designation along with Series 63 and Series 66 licenses. Her prior experience includes roles at TD Ameritrade and Citi Bank. Jiang is based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining broad scale with integrated custody, brokerage, and advisory services.

Jonathon Davidson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and JP Morgan Securities, among other roles. He was also the sole proprietor of Blake and Williamson, LLC, a holding company no longer in use. 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, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Aaron Nichols is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63, 65, and 66 licenses and 22 years of industry experience. His prior roles include positions at First Republic Investment Management and Charles Schwab. Outside of finance, he is a passive investor and owner partner of Hope Management LLC, a real estate and hospitality company operating a winery in Napa, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with a forward-looking capital market approach and includes ESG considerations.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Robert Wolffe is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley 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 range of advisory programs and tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Alfred Edmonds is a financial advisor at Cetera with nine years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Foresters Financial Services and involvement with the DeAnza Soccer Club. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and utilizes a multi-manager platform with access to various third-party money managers and program structures.

Fei Chiang is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2012, following prior roles at Wells Fargo Clearing and Ifmg Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and portfolio management options supported by extensive operational and research tools.

Mikhael Turcan is a Planning Consultant with Fidelity Investments, where he assists individuals and families in making informed financial decisions and developing strategies aligned with their long-term goals. His work centers on retirement planning, investment guidance, and overall financial wellness. Prior to his current role, Mikhael served as a Relationship Manager at Fidelity Investments from 2025 to 2026. Before joining Fidelity, he held positions at Dunham as a Business Development Associate from 2023 to 2025 and as a Regional Sales Associate from 2022 to 2023. Mikhael holds a California Insurance License. Outside of his professional responsibilities, he enjoys camping, football, music, spending time with pets, and snowboarding.

Crispin Hanshaw is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2020, following 18 years at Charles Schwab. Based in Palo Alto, CA, Hanshaw focuses on providing advisory services under a major wealth management firm. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling to support its advisory process.

Marcos Ocegueda is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at several major financial institutions, including Bank of America and Comerica Bank, before joining J.P. Morgan Securities and JPMorgan Chase Bank N.A. He is based in San Jose, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and combines quantitative and qualitative research to develop model asset allocations.

Vivian Chu is a financial advisor at OSAIC with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Woodbury Financial Services and Questar Capital Corporation. Outside of her advisory role, she serves as CEO of Willner and Associates, providing employee benefits and administrative services for small businesses. OSAIC Wealth serves a diverse client base through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers both discretionary and advisor-managed investment strategies.

Joseph Mckissack is a financial advisor with Charles Schwab in Pleasanton, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank Ssb since 2008. 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 and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Lauren Takushi is a financial advisor at Wells Fargo Advisors with eight years of industry experience. She holds the Chartered Financial Consultant (ChFC®) designation and securities licenses Series 63 and Series 65. Prior to joining Wells Fargo Advisors in 2026, she worked at LPL Enterprise and Pruco Securities, LLC, among other firms. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that addresses various financial needs including retirement, risk, and wealth-transfer planning, supported by proprietary research and planning tools.

Edgar Diaz is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior work history includes roles at Apple and Sodexo. 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 affiliated discretionary SMAs, providing integrated advisory, brokerage, custody, and cash-sweep services.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2003 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics from its investment institute.