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 with LPL Financial in Castro Valley, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2012. Outside of his advisory role, Fei is involved in managing several real estate rental investments. LPL Financial serves a broad range of clients including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services supported by various model portfolios and research resources.

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 with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 25 years of industry experience. He previously worked at Charles Schwab for 18 years before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its financial planning process.

Marcos Ocegueda is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank N.A. since 2019, with prior experience at Bank of America. J.P. Morgan Securities LLC 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Vivian Chu is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and 28 years of industry experience. She previously worked at Questar Capital Corporation and Woodbury Financial Services, Inc. Aside from her advisory role, she is the CEO of Willner and Associates, a small business providing employee benefits, cost and benefit analysis, and administrative services for retirement plans. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage, advisory, and retirement plan services. The firm utilizes asset-allocation tools and third-party platforms to manage portfolios across various investment vehicles.

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 Cupertino, CA, holding a Series 66 designation and 16 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. 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.

Vladimir Martynov is a Vice President and Financial Consultant currently working at Fidelity Investments since 2019. He has over a decade of experience in the financial industry, having previously served as Vice President Financial Advisor at JPMorgan from 2012 to 2019. His professional expertise includes retirement income planning, long-term investment strategies, disciplined portfolio construction, and tax-efficient investing. Vladimir holds a California Insurance License. Outside of his professional career, he has personal interests that include cars, fitness, parenthood, skiing, soccer, and traveling.

Rosalyn Antonio is a financial advisor with Edward Jones in Castro Valley, CA, holding the CFP®, ChFC®, and Series 66 credentials. She has 10 years of industry experience and has been with Edward Jones since 2015. Outside of her advisory role, she serves as president of the WMMS Music Boosters in San Leandro, coordinating projects and communications with families and the music director. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by more than 23,700 advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ryan Brown is a financial advisor with Charles Schwab in Sunnyvale, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Charles Schwab since 2021 and previously was with Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment advisory services supported by centralized custody and operational infrastructure.

Thao Pham is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Bank, HSBC Bank USA, HSBC Securities, and JPMorgan in various roles. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach 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.

Jacques Shepherd is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services. Shepherd is based in Palo Alto, CA. J.P. Morgan Securities 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 broker-dealer and investment adviser registrations.

John Concepcion is a Financial Consultant currently working at Fidelity Investments since 2021. He has held the role of Financial Consultant at Ameritas from 2020 to 2021 and served as Vice President and Senior Advisor Consultant at Franklin Templeton from 1998 to 2020. Throughout his career, John has developed financial plans tailored to his clients' needs, allowing them to focus on their lives and personal pursuits. He holds a California Insurance License.

Matthew Jacksteit is a CFP® professional with 14 years of experience in the financial industry, currently serving at Edward Jones since 2011. He participates actively in community affairs through roles including chairing the Business & Policy Committee of the Sunnyvale Chamber of Commerce and serving on the Measure G Citizens Oversight Committee in Sunnyvale, CA. Edward Jones is a full-service wealth management firm serving over four million clients across individual, institutional, corporate, and charitable sectors. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Germaine Cordes is a financial advisor with OSAIC, holding the ChFC® designation and Series 66 license, and has 24 years of industry experience. She has worked at OSAIC since 2024 and previously spent eight years at Securities America Advisors, Inc. Outside of advisory work, she is a notary and provides business consultation services through Lifetime Capital Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing various investment platforms and tools to construct diversified portfolios across multiple asset classes.

Niya Xie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and its securities affiliates. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.