Katelyn Pan is a financial advisor at Morgan Stanley in Palo Alto, holding a Series 66 designation with one year of industry experience. Her prior roles include positions at Andersen Tax and 23andMe, as well as work at U.C. Berkeley and Homestead High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Megan Lui is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background in consulting and the technology industry to provide comprehensive financial planning and investment consulting services. Megan specializes in working with clients in the technology and healthcare sectors, as well as social media influencers and entrepreneurs, helping them navigate wealth accumulation and long-term financial strategies. Megan holds a Bachelor's Degree from the University of Michigan and has earned the Personal Investment Advisor (PIA) designation. Her focus areas include college education planning, family wealth management, legacy planning, LGBT wealth planning, liquidity management, and portfolio management services. She is committed to building meaningful client relationships and creating personalized financial strategies that align with individual goals and priorities. Outside of her professional role, Megan has various personal interests including boxing, drawing/sketching, gardening, hiking, music, photography, pottery, running, traveling, and volleyball.

Stella Miretsky is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and anchored in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lan Xiao is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and 65 credentials and three years of industry experience. Prior to joining LPL Financial, Lan worked at Cetera Investment Services LLC and East West Bank. Lan is also involved with General Mortgage Capital Corporation and operates a non-variable insurance business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a broad range of financial planning and advisory programs alongside brokerage services.

Luis Figueroa Ojeda is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and previously held roles at Bank of America and other firms. Outside of his advisory work, Ojeda is involved with Carenet Services, Inc., a company that supports families with members who have mental and physical disabilities, where he assists in caregiving duties. Merrill 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.

Jacob Kamine is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 credential and has worked with Morgan Stanley since 2020, including a position at Morgan Stanley Private Bank, N.A. Prior to his current roles, he was involved with Kamine Farms for several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee models.

Timothy Mosley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that focus on clients' long-term financial objectives. His approach centers on goals-based wealth management, aiming to develop disciplined portfolio asset allocations tailored to individual client goals rather than benchmark performance. With over 20 years of experience prior to joining Merrill in 2008, Timothy has a background in marketing, business development, and management consulting in Silicon Valley's high-tech sector. His expertise includes retirement income planning, portfolio and investment management, wealth building strategies, trust and estate planning services through Bank of America Private Bank, and asset-based lending strategies. He holds multiple professional designations such as Chartered Alternative Investment Analyst (CAIA), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Timothy earned master's degrees from Santa Clara University and San Jose State University, as well as a bachelor's degree from Santa Clara University. A Bay Area native, he lives in San Jose with his wife and three children. He is involved with the Greater Opportunities community organization and has personal interests in basketball, football, golfing, World War II history, reading, and traveling with his family.

Matthew Ives is a financial advisor at Morgan Stanley with 45 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory duties, he serves on the advisory board for the Conference on Charitable Giving and is a board member of the North Fork Association. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Thomas Olivera is a Series 66-licensed financial advisor with Morgan Stanley in Los Gatos, CA, and has four years of industry experience. His prior roles include positions at San Jose Earthquakes LLC and San Jose State University. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using proprietary tools and offers broad retail and institutional investment services.

Mitchell Fulton is a Financial Advisor with Merrill Lynch Wealth Management, based in the San Jose, California office. With over 12 years of experience in the Financial Services industry, he specializes in providing wealth management and investment guidance to small business owners, corporate executives, high-net-worth individuals, and their families. Mitchell focuses on creating customized financial strategies tailored to meet clients' short and long-term goals, offering access to investment insights from Merrill and banking solutions from Bank of America. He emphasizes understanding clients' full financial picture and priorities to develop personalized plans that consider liability-driven investing, asset allocation, tax efficiency, risk tolerance, income expectations, and liquidity needs. His expertise spans portfolio management services, retirement income planning, education planning, family wealth management, liquidity management, and managing new wealth. Mitchell holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He earned his education at Santa Clara University. Committed to community involvement, he participates in the Rotary Club of San Jose and the Men's Club at St. Frances Cabrini. Outside of his professional life, he enjoys adventure sports, basketball, football, music, painting, reading, soccer, spending time with family, swimming, and traveling.

Michelle La is a Financial Consultant at Fidelity Investments, a position she has held since 2020. She works closely with clients to provide personal attention and assist in planning, growing, and maintaining their wealth by leveraging Fidelity's trusted brand, advanced technology, and investment platform. Prior to her current role, Michelle held positions at TD Ameritrade, including Senior Financial Consultant and Financial Consultant during 2019 and 2020, as well as Business Development Specialist from 2018 to 2019. Her experience encompasses client relationship management and financial consulting. Michelle holds insurance licenses in Arkansas and California.

Troy Lui is a Financial Advisor at Merrill Lynch Wealth Management. He transitioned into wealth management after several years in the technology industry, drawing on his personal experience to guide clients in proactive financial planning. Troy focuses on helping professionals, particularly those in fast-paced industries, as well as families considering important life decisions and fostering financial confidence for future generations. His areas of expertise include education planning, employee benefits planning, equity compensation services, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income. Troy holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of California Davis. Outside of his professional work, Troy enjoys spending time with his family, gardening, basketball, cooking, interior decorating, music, pickleball, singing, skiing, and traveling.

Jeffrey Arburn is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Whitehall-Parker Securities. He is also the owner of an LLC engaged in selling life insurance and long-term care products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of portfolio management tools and access to third-party money managers.

Philip Drews is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at J.P. Morgan Securities and JPMORGAN Chase Bank, where he spent over a decade before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm's advisory process is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep options.

Paula Ferreira Soares is a CFP® with three years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Edward Jones and a period working at the University of Hawaii. She previously operated Dezign With a Z for seven years. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by extensive research and technology.

Amy Chan is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with Wealth Management Advisors to develop and implement personalized wealth plans for families and future generations. She focuses on building and maintaining multigenerational relationships and providing client services that help clients navigate Fidelity's resources to establish solid financial plans. Amy has been with Fidelity Investments since 2013, advancing through roles that include Financial Representative, Relationship Manager, Senior Relationship Manager, and currently Wealth Management Planning Consultant. She holds a California Insurance License, supporting her work in financial planning and client advisory services.

Mengning Zhou is a financial advisor with Mass Mutual Investors Services in San Jose, CA. She holds the ChFC® designation and has 10 years of industry experience, including tenure at MassMutual Life Insurance Co. Since 2024, she has also worked as a mortgage loan originator with General Mortgage Capitol Corp., originating loans and offering rates to clients. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations through structured, collaborative engagements using firm-approved analytical tools.

Joanna Ho is a financial advisor at Morgan Stanley in Palo Alto, CA, with nine years of industry experience. She has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., and JPMorgan Chase in various roles. Ho holds the Series 63 and Series 65 licenses. 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 planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Tracey Ledda is a financial advisor at RBC Capital Markets in San Jose, CA, holding Series 63 and Series 66 licenses with 29 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse clientele including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies that incorporate discretionary and non-discretionary services and access to in-house and third-party investment managers.

Shrddha Singhi is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and two years of industry experience. She previously worked at Wells Fargo Bank and Wells Fargo Clearing before joining LPL Financial and BMO Bank NA in 2024. Outside of her advisory role, she is also a licensed notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.