Patrick Thor is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Ameriprise, Comerica Securities, Securities America, PFG Advisors, and KeyPoint Credit Union. Outside of his advisory work, he is involved with Comerica Bank’s cash management platform serving corporate and institutional clients. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party databases with principles of diversification and modern portfolio theory to evaluate investment options, and also offers a range of financial products through its bank and insurance affiliates.

Vu Le is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. In this role, he collaborates with clients to develop customized financial plans that align with their unique goals and priorities. Prior to this position, Vu worked as an Investment Consultant at Fidelity Investments from 2022 to 2024. Vu holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional work, he has interests in beach activities, fitness, football, outdoor adventures, soccer, and traveling.

Mark Palmer is a CFP® with 29 years of industry experience, currently advising at Edelman Financial Engines in Santa Clara, CA. He has held roles within various affiliated firms since 2015, including Financial Engines Advisors L.L.C. Outside of his advisory work, Palmer is involved in pro bono legal services, serves on the advisory board for the Mgrublian Center for Human Rights at Claremont McKenna College, and contributes to the marketing efforts of Smulin Contemporary Ballet. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios and long-term orientation.

Valerie Tu is a CFP® professional with 21 years of industry experience, currently affiliated with LPL Financial in Fremont, CA. Her work history includes roles at BMO Bank NA and BancWest Investment Services before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research and advanced management technologies.

Yujin Zheng is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in serving ultra-high-net-worth clients, particularly those with concentrated stock positions resulting from IPO or exit events. She provides tailored financial strategies that address complex wealth management challenges, including concentrated stock positions, IPO planning, generational wealth transfer, tax minimization, and retirement income planning. With a background in statistics from Arizona State University, Yujin applies a disciplined, data-driven approach to financial planning. She holds the Personal Investment Advisor (PIA) designation and is proficient in Chinese, English, and Mandarin. Her expertise encompasses portfolio management, executive compensation, family wealth management, and college education planning. Yujin is committed to understanding each client's unique goals and developing personalized strategies accordingly. She integrates the investment insights of Merrill Lynch and the banking services of Bank of America to address diverse financial needs. Outside of her professional role, Yujin enjoys hiking, music, traveling, and yoga.

Kylee Harrison is a financial advisor at LPL Financial based in Fremont, CA. She holds a Series 66 designation and has been with LPL Financial since 2025. Prior to her current role, her background includes positions in education and banking. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven solutions.

Yifeng Tong is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. He has been with Wells Fargo Clearing Services since 2015 and previously worked at the University of North Carolina at Charlotte. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

William Wolfe IV is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked at Ameriprise, Incapital LLC, and Oppenheimer & Co. Inc. Wolfe operates under Menlo Asset Management as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Angela Marcheschi is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and having 22 years of industry experience. She has been with Morgan Stanley since 2013. In addition to her advisory role, she operates as a life coach through her sole proprietorship, Wayfinder Life Coach. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through a broad range of investment and financial strategies.

Airung Liu is a CFP® and Series 66 credentialed financial advisor with 23 years of industry experience. He currently works at Osaic and has prior experience with Securities America Advisors and Cambridge Investment Research Advisors. In addition to his advisory work, he serves as an independent agent providing fixed insurance strategies. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm employs a comprehensive investment approach utilizing asset-allocation tools, risk assessments, and automated rebalancing across various asset classes while offering integrated brokerage and advisory services.

Nathan Chan is a financial advisor with Ameriprise in Los Altos, CA, holding a Series 66 designation and five years of experience at the firm. His prior work includes positions at Aimmune Therapeutics and roles at San Jose State and Second Harvest Food Bank. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on stable income sources and tax-aware withdrawal strategies.

Xiangxiang Zhang is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Zhang holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2017. Prior to that, Zhang worked briefly at CreditEase in 2016. J.P. Morgan Securities 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 recommendations.

Chia Ling Cherene Wong is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 credentials and possessing 24 years of industry experience. She has been with Ameriprise since 2016. Wong serves on the board of directors for Bartlett Educational Resources, a nonprofit organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Margaret Bussmann is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. She has been with Morgan Stanley since 2015, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs firm‑approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Chun Wong is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. Wong has been with J.P. Morgan Securities LLC since 2016. Outside of advising, Wong is a property owner involved in managing rental real estate. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jessica Lee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs to individuals and institutions, focusing on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenarios to help clients develop financial plans.

Erik Galsgaard is a financial advisor with Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He began his advisory career in 2025 after working at Walgreens from 2022 to 2025. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and maintains a distinctive operational footprint with centralized supervision, custody, and order-routing.

Daniel Robbins is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He partners with clients and their families to build financial plans that align with their goals, focusing on understanding their individual needs and collaborating to identify strategies suited to their unique financial situations. Prior to this, Daniel worked as a Relationship Manager at Fidelity Investments from 2020 to 2023 and as a Workplace Planning Consultant from 2019 to 2020. Before joining Fidelity, he was a Financial Business Analyst at OppenheimerFunds, Inc. from 2003 to 2019. Daniel holds a California Insurance License. Outside of his professional work, he engages in various physical activities including biking, kayaking, running, snowboarding, surfing, and yoga.

David Heiman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Heiman serves on the finance committee and as treasurer for the Leo M Shortino Family Foundation, a nonprofit focused on children and youth. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling to support its advisory services.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.