Xiaolu Yan is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. Yan has worked at Morgan Stanley and affiliated entities since 2013, with additional experience at East West Bank and Cetera Investment Services. Outside of advisory activities, Yan is involved in managing a rental property in Brooklyn, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory and financial planning services supported by firm-approved tools and insights from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers diversified investment programs, including corporate financial planning agreements.

Tian Chen is a financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2026, Chen held roles at Merrill Lynch, Goldman Sachs, and Amazon.com. Outside of finance, Chen spent time working at The French Guys Bakery. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual plans and Corporate Financial Planning agreements.

Emily Kuang is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at firms including Wells Fargo Clearing and Chase Investment Services. Outside of her advisory role, she manages rental property in San Francisco as a sole proprietor. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques and offers both direct and corporate financial planning solutions.

Randall Ng is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Chase Bank and Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broad derivatives and commodities capabilities.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Todd Ringoen is a financial advisor with UBS Financial Services in Hillsborough, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with UBS since 1997. Outside of his advisory role, he serves as a trustee for the KLEF radio station and provides guidance for the University of Oregon Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Gen Tri is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2022. In this capacity, Gen partners with clients by educating and empowering them to understand their financial situation and make sound decisions to pursue their lifelong goals. Gen has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Investment Consultant, Central Relationship Manager, Retirement Solutions Representative, Premium Service Representative, and Financial Representative. This extensive experience reflects a deep understanding of financial consulting and client relationship management. Gen holds a California Insurance License. Outside of professional responsibilities, Gen has interests in fitness, food, snowboarding, tennis, and traveling.

Jizi Gu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Jizi has worked at Bank of America, N.A. since 2017 and has been affiliated with Merrill since 2021. 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, and institutions.

Matthew Dennis is a financial advisor with LPL Financial in Foster City, CA, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MML Investors Services LLC and MassMutual Life Insurance Company, where he worked for nine years. Outside of his advisory work, he is involved as a security agent for Matador Risk. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Jackson Kempker is a Financial Consultant at Fidelity Investments, where he works with clients to develop comprehensive financial plans tailored to their unique circumstances. He focuses on risk management, income strategies, and tax-efficient investing to help clients and their families maintain financial plans that align with their goals and adapt to their changing needs. Jackson holds a California Insurance License, which supports his professional practice in the financial services industry. Outside of his work, Jackson enjoys camping, cooking and baking, football, hiking, snowboarding, and traveling.

Dmitry Vasyutinskiy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves individual 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 scenario modeling.

Jonathan Reynolds is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He supports clients in making informed investment and financial decisions by guiding them through a disciplined planning process and utilizing Fidelity's resources to create customized financial plans tailored to their unique family needs. Jonathan has been with Fidelity Investments since 2017, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Service Representative at Forex Capital Markets from 2015 to 2017. He holds a California Insurance License.

Allan Abrams is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cetera Advisor Networks, Reliastar, VOYA Financial Advisors, and operated Abrams Insurance & Investments for 35 years. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Hughes is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors Financial Network LLC, Citigroup Global Markets, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a variety of financial planning and investment management solutions.

Daniel Sanchez is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with three years of industry experience. His prior work includes multiple roles at Morgan Stanley and a brief period in extended travel. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning using structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Sibyl Woo is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2018, previously working at Charles Schwab Bank, Charles Schwab & Co., Inc., The Vanguard Group, Inc., and the University of California Merced. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Elena Fassio is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her previous roles include positions at Global Wealth Partners and Levcor, Inc. She has an academic background from Villanova University and experience working in education-related roles prior to entering the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management and fund advisory, and is noted for its use of systematic methodologies and involvement with registered investment companies.

Angelina Yu is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 license and previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Michele Michaels is a financial advisor with Charles Schwab in San Mateo, CA, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at TD Ameritrade and Natren Probiotics. 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 options supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Joseph Peironnet is a financial advisor at Charles Schwab in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank in 2025, he worked at Related Companies, CU Denver Wellness Center, Minio Inc, R&C Brown Associates, Hotel Los Gatos, and spent four years in full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships, discretionary separately managed accounts, and an integrated operational model that includes custody, brokerage, and alternative investment services.