Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Bothwell is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Bothwell is currently based in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with 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 supported by its Global Investment Committee.

Michael Abrams is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes tenures at Wells Fargo Clearing and Wells Fargo Advisors before joining Ameriprise in 2020. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.

Frank Almendarez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Michael Anki is a financial advisor at J.P. Morgan Securities with one year of industry experience. He previously worked at First Republic Bank for six years and Andersen Tax for four years. 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 through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Alan Huynh is an Investment Consultant at Fidelity Investments, where he collaborates with clients to assist them in making informed decisions regarding their financial futures. He emphasizes understanding each client's goals, time horizon, and risk tolerance to offer personalized guidance. Prior to his current role, Alan worked as a Financial Consultant at Equitable Advisors from 2022 to 2025. He holds a California Insurance License. Outside of his professional work, Alan has interests in food, movies, outdoor adventures, pets, and theater.

Jacobo Koen Ruben is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked for Rockefeller Capital Management for six years and has additional experience at Financial Clarity and Willamette University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios using mutual funds, ETFs, and ETPs. The firm also provides multi-manager fund advisory and serves as a commodity pool operator registered with the CFTC.

Joyce Irmer is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has been with Fidelity Investments since 2011, progressing through positions including Financial Services Associate, Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. Her professional experience centers on wealth planning and financial consulting. Joyce holds a California Insurance License. She is dedicated to working closely with clients to develop and maintain customized financial plans tailored to their individual needs. Outside of her professional responsibilities, Joyce enjoys comedy, family activities, exploring food, parenthood, reading, and traveling.

Marc Kriessmann is a financial advisor with OSAIC in San Mateo, CA, holding Series 65 and Series 66 licenses and bringing 17 years of industry experience. He has previously worked at Securities America Advisors, Inc. and Securities America, Inc. and is involved in managing fixed annuity products primarily for public employees and nonprofit organizations through Ben Yohanan Annuity & Insurance Agency, Inc. Additionally, he serves as Managing Director at Hatch Retirement Advisors, focusing on retirement-related planning and coordination of life transitional events for retirees and their families. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm utilizes various advisory platforms and asset-allocation tools to provide integrated brokerage and investment advisory services, supporting both discretionary and non-discretionary portfolio management.

Jong Hyun Kim is a Series 66 registered advisor with Charles Schwab, based in San Mateo, CA, and has four years of industry experience. His prior roles include positions at West Valley Community Services, YMCA of Silicon Valley, Downtown College Prep, and Berryessa Union School District. Kim has worked with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2021. 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 both non-discretionary and discretionary investment services utilizing multi-asset model portfolios and alternative investment options, supported by a large-scale integrated operational structure.

Ahmad Hojatnia is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at JPMorgan Chase Bank, Bank of America, Merrill, and Raymond Young CPA. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors, combining institutional advisory operations with brokerage and investment management capabilities.

Timon Shaw is an Investment Consultant at Fidelity Investments, a role he has held since 2025. His approach centers on understanding clients' risk tolerance, investment preferences, and personal backgrounds to develop financial plans aimed at achieving financial freedom for individuals and families. Prior to his current position, Timon served as Associate Vice President of Private Markets at Upmarket from 2023 to 2024. He also has experience as a Financial Advisor and Client Associate at Merrill between 2019 and 2021. Timon holds a California Insurance License. Outside of his professional work, Timon has personal interests that include attending concerts, fitness activities, football, golf, and snowboarding.

Dong Choi is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise since 2012, including six years at the current firm. Outside of his advisory role, Choi serves as Treasurer on the Board of Directors for the Monsoon Education Youth Project and is a member of Endless Knot, both nonprofit organizations based in Globe, AZ. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-based recommendation reports combining modeling, tax strategies, and asset management, delivered through a centralized consulting team in partnership with financial advisors.

Max Kaplan is a financial advisor at Fisher Investments with seven years of industry experience. He holds the Series 65 designation and has been with Fisher Investments since 2015. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized investment process combining quantitative and qualitative research, implements tax-aware strategies, and manages risk through various defensive tactics.

John Mathews is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary modeling techniques to support its advisory services.

Brian Lamb is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a large team of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management services.

Ian Foo is a financial advisor with LPL Financial in Palo Alto, CA, holding a Series 66 credential and bringing 14 years of industry experience. His prior roles include positions with Cetera Investment Services, MW Wealth Advisors, and Scottrade. He is also involved with Stanford Federal Credit Union in a financial institution capacity. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Linh Truong is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 23 years of industry experience. He has worked at Raymond James since 2012 and at First Tech Federal Credit Union since 2014. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, corporations, and institutions. The firm uses tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.