Laurie Heinly is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 credentials and with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of advising, she is an investor in a technology company, Nexqloud Technologies. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment programs.

Jason Lee is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley from 2015 to 2024. His current role at Wells Fargo Clearing began in 2024. 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 incorporates modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Delbar Jahanian is a financial advisor with LPL Financial in Campbell, CA, holding a Series 66 designation and 20 years of industry experience. Prior to joining LPL Financial in 2021, Jahanian worked for Waddell & Reed Inc. for 16 years and has been involved in various business activities including leadership roles with the Persian Zoroastrian Organization and entrepreneurial ventures. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving a range of clients including individuals, retirement plan participants, banks, and institutions. The firm offers advisory and brokerage services supported by a network of investment adviser representatives, with a comprehensive investment platform featuring model portfolios, third-party asset management, and institutional programs.

Alexander Rich is a financial advisor at Charles Schwab with 14 years of industry experience. He holds Series 66 and Series 63 designations and has worked at Charles Schwab and its affiliated entities since 2011. Outside of his advisory role, he is the owner of a rental services business in Phoenix, Arizona. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by a large integrated platform.

Jeremy Mcchesney is a CFP® professional with 16 years of experience in the financial services industry. He is currently affiliated with J.P. Morgan Securities and J.P. Morgan Chase Bank, and has previously worked at firms including Wells Fargo and First Republic Investment Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG criteria within eligible strategies.

Julius Scott is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 65 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at Goldman Sachs & Co and Neuberger Berman BD LLC. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes capabilities in derivatives and commodities through specialized regulatory registrations.

Gerard Bessette is Vice President, Wealth Planner at Fidelity Investments, where he has served since 2026. In this role, he works closely with clients to develop personalized financial plans that align with their individual goals and priorities. His approach emphasizes collaboration and thoughtful guidance to help clients navigate their financial journeys. Prior to his current position, Gerard held the role of Financial Consultant at Fidelity Investments from 2019 to 2026. His experience in the financial services industry includes positions at TD Ameritrade, Hornor, Townsend & Kent, Inc, CUSO Financial Services, L.P, and AXA Advisors, LLC. Gerard holds a Certified Financial Planner (CFP®) designation and maintains a CA Insurance License. Outside of his professional career, Gerard enjoys activities such as spending time at the beach, hiking, swimming, traveling, and caring for pets.

Andrew Walsh is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management and tax minimization strategies. He works closely with clients to understand their priorities and helps develop personalized strategies to achieve their short-, mid-, and long-term financial goals. His expertise covers a broad range of areas, including college education planning, executive compensation, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Andrew holds a Bachelor's Degree from the National University of Ireland and a Master's Degree from Imperial College. He carries the professional designation of Personal Investment Advisor (PIA) and is registered under NMLS#2287337. As part of his approach, he serves as a resource for investing, retirement planning, and saving for unexpected events, providing clients with ongoing advice and guidance. Andrew can also connect clients with Bank of America specialists in banking, credit, home financing, and small business solutions. Outside of his professional work, Andrew is a husband and father who enjoys spending time with his family. His personal interests include fishing, gardening, golfing, music, soccer, and traveling. He is actively involved in sports, including soccer, karate, and Gaelic youth sports.

Bradley Nering is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over a decade of experience in banking and wealth management, having started his career at Wells Fargo in 2012 as a licensed banker. He was promoted to Client Associate in 2013 and advanced to Financial Advisor in 2018. He focuses on providing personalized financial strategies that help clients achieve their objectives while maintaining high professional standards. Brad's expertise includes family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, special needs planning, sports and entertainment, tax minimization, and retirement income. His passion for markets began in Wyatt, Indiana, trading corn and soybean futures with his father, which instilled principles of risk management and disciplined investment strategy. He holds a Bachelor of Arts degree from Pepperdine University and studied abroad in Spain and Argentina, which broadened his global financial perspective. In addition to his professional pursuits, Brad is a Personal Investment Advisor (PIA) and is involved with the Surfrider community organization. He resides in San Jose, California, serving clients across the Bay Area and Los Angeles.

David Yu is a financial advisor with Charles Schwab in Redwood City, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Charles Schwab since 1998. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm operates a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and oversight from the Schwab Center for Financial Research.

Rucong Zhang is a financial advisor with Cetera in San Jose, CA, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Cetera, Zhang worked at Wells Fargo Clearing and Wells Fargo Bank, as well as Citibank and several automotive dealerships. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management strategies, financial planning, and access to third-party money managers across discretionary and non-discretionary programs.

Suki Lee is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 33 years of industry experience. She has been with Charles Schwab since 1992 and has worked at Charles Schwab Bank since 2005. Outside of advising, she manages several rental properties in San Francisco. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory program. The firm combines non-discretionary and discretionary investment approaches with centralized operational and supervisory structures.

Dennis Karle is a CFA® charterholder with 34 years of experience in the financial services industry. He has worked at Morgan Stanley and its affiliated entities since 2004, including roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Morgan Stanley & Co. LLC. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is a large firm serving both individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Maria Aurea Dayap is a financial advisor at Merrill with a Series 66 designation and 1 year of industry experience. She has been with Merrill since 2014. 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, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julius Agbonbhase is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. His career includes multiple roles at Morgan Stanley since 2010 and prior experience at E*Trade Securities and Waddell & Reed. Outside of his advisory role, he serves as Vice President 2 of ACCIOBA North America, a community organization involved in fundraising and administration. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, combining financial planning with investment strategies supported by tools such as Monte Carlo simulations and insights from its Global Investment Committee.

Weilun Wang is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Enterprise LLC, Schwab Wealth Advisory, and Charles Schwab & Co., Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party sources.

Kimberly Bradford is a Financial Consultant currently working at Fidelity Investments. She collaborates with individuals and families to develop strategies for retirement planning, tax-efficient investing, and navigating major life transitions. Kimberly has experience in various financial roles, including Financial Solutions Advisor at Merrill from 2022 to 2024, Senior Premier Banker at Wells Fargo from 2021 to 2022, and Relationship Manager at Bank of America from 2014 to 2018 and again from 2019 to 2021. She holds a California Insurance License. Outside of her professional work, Kimberly has interests in art, fitness, food, running, and traveling.

Wenjun Yang is a financial advisor at LPL Financial with 23 years of industry experience. He has held securities licenses including the Series 63 and Series 65 and has been with LPL Financial since 2010. Prior to that, he worked at Investment Advisors International, Inc. from 2006 to 2010. Yang is also involved with IntoWealth Insurance Services, an insurance agency based in California. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning and model portfolio programs, access to third-party asset managers, and institutional platforms, supporting a wide range of investment strategies executed by its network of advisors.

Jenny Ju is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 designation and 17 years of industry experience. She has worked with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and previously was with Edward Jones from 2009 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Laure Mendoza is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds a Series 66 credential and has previously worked at Morgan Stanley and Srebrow Investment Resources - Syntero Real Estate. Mendoza is based in Palo Alto, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.