Paige Skrabo is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Before joining Morgan Stanley, Paige worked at Free People for three years and attended San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

David Davis is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. His career includes roles at Avantax Investment Services, Avantax Advisory Services, and 1ST Global Advisors, among others. Outside of advising, he serves as a trustee for multiple trusts and is a principal at Johanson & Yau Accountancy Corp, providing tax and accounting services. He also holds a board member position with BKR International, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or construct custom strategies.

Kate Martinez is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning her career in financial services in 1998, she has developed expertise in financial planning, portfolio management, and retirement income strategies. Prior to joining Merrill Lynch in 2008, she spent eight years at Wells Fargo Investments where she served affluent clients in managing their financial assets. Kate's approach involves thoroughly understanding her clients' personal and financial needs to establish objectives and develop customized strategies addressing both short-term and long-term concerns. She conducts regular quarterly reviews and annual financial planning audits to ensure clients remain on track to meet their financial goals. She collaborates closely with clients' attorneys, accountants, and insurance professionals to support an attainable path toward their objectives. Kate holds a Bachelor's degree in Finance and Accounting from San Francisco State University. She has earned the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning Institutes Corp. Fluent in Mandarin and Cantonese, Kate volunteers at her children's school and enjoys spending time with her family, hiking, cooking, and gardening.

Nicole Gatiss is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Fidelity Investments from 2022 to 2024 and joined Charles Schwab and Charles Schwab Bank in 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Zachary Lopes is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB and Charles Schwab since 2023. Prior to his career in financial advising, he spent ten years as a student. Charles Schwab & Co., Inc. serves a large client base, 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 in-house research and alternative investment options.

Ana Le is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at U.S. Bank, U.S. Bancorp Investments, Inc., and Unionbanc Investment Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Tiffany Le is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 license and 16 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2010. Outside of her advisory role, she is the sole owner of The Mastic LLC, a company that provides residential rental services. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 integrates centralized custody, brokerage, and cash-sweep services.

John Froman is a Series 66-licensed financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has worked at J.P. Morgan Securities LLC, JPMorgan Chase Bank, N.A., Bank of America, N.A., and Merrill since 2016. 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 investment recommendations.

Barbara Erickson is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. She holds Series 63 and Series 65 licenses and has 26 years of industry experience. Erickson has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. She serves on the investment committee of the Grace Lutheran Church Endowment in Palo Alto. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research and analytics.

Benigno Gonzalez is a financial advisor with J.P. Morgan Securities in Millbrae, CA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. Gonzalez also owns a rental property outside of his advisory work. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services focused on asset allocation, manager searches, and customized reporting through a non-discretionary approach.

Samuel Lacy is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Donnie Ayers LLC and earlier stints at Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools, serving clients primarily in an advisory capacity without individual security recommendations.

Andrew Andrikopoulos is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Ameriprise since 2011. Outside of his advisory role, he is a co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jaz Lail is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Jaz served as a Planning Consultant at Fidelity Investments from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Financial Representative from 2021 to 2023. Jaz focuses on holistic planning, aiming to empower individuals and families to work towards their financial well-being by integrating financial expertise with an understanding of clients' values and aspirations. Jaz holds a California Insurance License, supporting their professional capabilities in financial consulting. Outside of work, Jaz has interests in cars, concerts, fitness, outdoor adventures, pets, and snowboarding.

Kunjie Ou is a financial advisor at Charles Schwab in Cupertino, CA, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Allspring Global Investments and Wells Fargo, where he worked for a total of 19 years. 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 mix of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and due diligence from its research center.

Davinder Gupta is a financial advisor with Edward Jones in Los Altos, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Edward Jones, he held positions at Prudential Insurance Company of America, Woven By Toyota, Roche, and Adobe Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and pension plans. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Yupeng Yang is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2020, Yang worked at JPMorgan Chase Bank and J.P. Morgan Securities from 2019 to 2020, and at Bank of America from 2017 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning that incorporates firm-approved tools and market outlook models.

Ryan Lee is a financial advisor with Ameriprise in San Ramon, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, utilizing a centralized consulting team to provide detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Richard Lewis is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and four years of industry experience. He has been with Mass Mutual Investors Services since 2020 and has over a decade of experience with MassMutual Life Insurance Company and EVCO Insurance Services Inc., where he also works as a sales agent specializing in individual and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, educational seminars, and specialized services including divorce planning, estate settlement, and employer-sponsored programs.

Daryl Dehn is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients as part of one of the top teams in Silicon Valley. In this role, he works closely with individuals to help them achieve financial independence by developing personalized financial strategies tailored to their unique goals. Daryl emphasizes honesty, transparency, and fairness throughout his advisory process, leveraging the resources and insights of Merrill and Bank of America to provide comprehensive wealth management solutions. His expertise spans a broad range of client focus areas, including college education planning, equity compensation services, family wealth management, retirement income, and services for defined benefit plans. Daryl collaborates with clients to translate their aspirations into specific investment objectives and actively manages portfolios designed to pursue long-term financial success. Daryl holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Valley Christian. He is involved in community organizations such as HRC and the LGBT Youth Center, reflecting his commitment to giving back and supporting the communities he serves. Outside of his professional work, Daryl enjoys biking, boating, hiking, horseback riding, ice hockey, music, running, and spending time with his family.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is involved in spiritual development education as a teacher and author, operating several related ventures focused on energy healing and product creation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, utilizing structured planning tools and scenario modeling to support client goals.