Willard Wellings is a financial advisor at Cetera with 25 years of industry experience and holds the Series 66 designation. He has worked at several firms, including Avantax Advisory Services and 1ST Global Advisors, and has been involved with his own firm, Wellings & Co., since 1990. Outside of his advisory roles, he owns and operates Wellings Wealth Care, providing financial services to clients in Menlo Park, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets under management.

Daniel Martin is a financial advisor with Ameriprise in Pleasanton, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Andrew Tang is a CFP® with 25 years of industry experience, currently affiliated with Charles Schwab in Santa Clara, CA. His prior experience includes roles at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services, USAA Financial Planning Services, and TD Ameritrade. Outside of financial services, he serves as an assistant girls junior varsity basketball coach for the Santa Clara Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and integrated brokerage, custody, and advisory services.

Zhenzhen Huang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities and JPMC Bank NA (Southwest) since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and an ESG eligibility framework.

Mailyn Nelson is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Nelson held various roles including positions in Enterprise Mobility and university instruction. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Hank Peng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 license with six years of industry experience. His previous roles include positions at Fidelity Investments, GENRICH Family Office, and academic institutions such as the University of California, Irvine, and College of San Mateo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and investment modeling techniques.

Taylor Frias is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 registrations and has worked at JPMorgan Chase Bank, N.A. since 2018. Prior to his financial services career, he was employed at California Mattress for four years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

Daniel Schwartz is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Charles Schwab since 2012, including a role at Charles Schwab Bank since 2014. He is based in Menlo Park, California. Charles Schwab 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 affiliated discretionary separately managed accounts and utilizes multi-asset model portfolios supported by in-house research.

Ying Liu is a financial advisor at Merrill with two years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Eagle Strategies LLC, NYLIFE Securities LLC, and New York Life Insurance Company. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Colleen Erickson is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2010. Based in Palo Alto, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Lucille Denos is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds the Series 63 and Series 65 designations and has been with UBS since 2010. Outside of her advisory work, she has worked as a backup cashier in retail. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of investment products and capital markets services.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

John Ubaldi is a financial advisor at UBS Financial Services with four years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience at Digital Media Solutions and Nordstrom. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Justin Skelton is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Minnesota Life Insurance Co. and Securian Financial Services. Outside of his advisory role, he is involved as an insurance agent and holds employment unrelated to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services supported by a large network of advisors and a variety of advisory platforms.

Rey Deborja Jr. is a financial advisor at OSAIC with 22 years of industry experience and holds a Series 66 designation. His career includes roles at firms such as Ameriprise, Lincoln Financial Advisors, Merrill, and UBS Financial Services. He is also a co-owner of a tax preparation business. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates asset allocation, portfolio optimization, and multiple managed account options.

Pashmeena Vyas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in serving professionals, business owners, and retirees in the Bay Area. Her work centers on understanding her clients' unique financial needs and goals to develop comprehensive wealth plans focused on long-term financial security, wealth accumulation, retirement preparedness, and income generation. She offers guidance across a range of areas including education planning, personal retirement planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. Pashmeena holds the Certified Financial Planner (CFP) designation and is a Personal Investment Advisor (PIA). She has earned a Master's Degree from Mumbai University, a Bachelor's Degree from Sreemati Nathibai Damodat Thackersey Women's University, and an MBA from the State University of New York at New Paltz. She also completed a non-accredited certificate program at the University of California Berkeley Extension. Pashmeena is a member of the CFP® Board of Standards Inc. and communicates fluently in English, Hindi, Gujarati, and Punjabi. Outside of her professional role, Pashmeena enjoys music, spending time with her family, watching movies, and practicing yoga.

Sze Wai Kwok is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. Kwok has worked at Charles Schwab Bank and Charles Schwab since 2019 and previously held roles at Bank of America, Merrill, Bancwest Investment Services, and Bank of the West. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios and a formal alternative-investment process.

Daniel Peterson II is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked in educational roles at San Jose State University and Palma Highschool. He serves as a board member for the Sigma Nu Fraternity Alumni Association, where he participates in organizing alumni and student events. 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 institutional investors.