Nathan Van Dell is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at John Mills and been involved with the United States Tennis Association. Outside of finance, he has been active with the Peninsula Community Center for several years. Morgan Stanley Wealth Management provides a wide range of advisory services to both individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive asset management capabilities.

Sean Chatman is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent ten years with Wells Fargo Investments, LLC. Outside of his advisory role, he is involved as a landlord managing a rental property. 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 uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions across a broad range of financial products.

Ashna Sharma is a financial advisor at Morgan Stanley in Palo Alto, CA, with 10 years at Morgan Stanley Smith Barney LLC and 5 years of industry experience. She holds the Series 66 designation. Outside of advisory work, Sharma provides home health care services through California's In-Home Supportive Services Program. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model outcomes, while maintaining an advisory role without individual security recommendations in standalone planning.

Ngoc Le is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and has three years of industry experience. Prior to joining Merrill, Ngoc worked for Riviera Finance from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darby Williams is a financial advisor at Charles Schwab with Series 63 and Series 65 designations and four years of industry experience. Prior to joining Schwab, Williams held roles at various firms including Powder Mountain Realty and Alternative Behavior Strategies. Williams is also an author who has published a book through Amazon Publishing. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational structure.

Cheryl James is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background as a former engineer in Defense Intelligence and the high-tech industry to provide clients with comprehensive financial strategies tailored to their individual needs. Cheryl's approach integrates the resources of Merrill Lynch and Bank of America, offering clients access to investment, banking, and lending solutions designed to pursue their financial goals. Cheryl specializes in areas including college education planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, and retirement income. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) and earned a bachelor's degree from the University of California system. In addition to her professional work, Cheryl is actively involved in community organizations such as the Alzheimer's Association, where she co-chairs the Silicon Valley Walk to End Alzheimer's, and serves as a board member for the Contemporary Asian Theatre Scene and High Tech High Heels. She also contributes to Habitat for Humanity and the Happy Neighborhood Project. Cheryl's personal interests include cooking, scuba diving, spending time with her family, traveling, and practicing yoga.

Yanyin Yu is a financial advisor at Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses with six years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, Yu worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., and has experience with nonprofit work at Self-Help for the Elderly. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee analyses in its financial planning process.

Ryan Nguyen is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase & Co. and Scharf Investments, LLC. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprising mutual funds, ETFs, and ETPs.

Jonathan Schmidt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and proprietary planning tools.

Angela Mende is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 63 designation and bringing 30 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously spent 13 years with Citigroup Global Markets. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual 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 services clients through both direct and corporate financial planning agreements.

Aiyun Zong is a financial advisor at Charles Schwab with 28 years of industry experience. She holds a Series 63 designation and has been with Charles Schwab and Charles Schwab Bank since 1997 and 2005, respectively. Outside of her advisory role, she is a co-owner of a property management company in Elk Grove, California. Charles Schwab serves a large base of primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and due diligence from the Schwab Center for Financial Research.

Sophia Szeto is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, previously spending four years with the Ray Barri Agency at Allstate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides a planning process that uses structured discovery and firm-approved tools without individual security recommendations as part of standalone financial plans.

Matthew Brady is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Citigroup, Wells Fargo, Barclays Capital, and Lehman Brothers. Outside of his advisory role, he serves as chair of the board of directors for the Saint Francis Foundation, a charitable organization. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Andrew Fotu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Bank of America Consumer and Business Banking, bringing a client-focused approach grounded in integrity and availability. Andrew emphasizes a personalized, planning-based strategy to help clients pursue their financial goals while considering their life priorities and aspirations. Andrew's expertise includes executive compensation, family wealth management strategies, managing new wealth, and portfolio management services. He analyzes clients' wealth structures to identify weaknesses and develops customized investment strategies using both internal and external research as well as Merrill's open investment platform. He collaborates closely with clients' CPAs and estate attorneys to implement tax minimization and estate planning strategies. He holds a Bachelor's Degree from the University of Waikato and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Andrew participates in community volunteer activities and enjoys basketball, hiking, skiing, spending time with his family, and traveling.

Rick Haro is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dana Mumford is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Stifel since 2009. Based in San Jose, CA, she holds a Series 66 license and has spent the majority of her career with Stifel Nicolaus & Co., Inc. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, focusing on forward-looking market assumptions and probabilistic modeling to inform asset allocation and financial planning.

Diego Contreras is Vice President and Financial Consultant. He partners with families and individuals to assist them in navigating wealth planning decisions, emphasizing attention to detail, integrity, and dedication. Diego's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2019 to 2025, a Senior Financial Consultant at TD Ameritrade from 2018 to 2019, and a Financial Consultant at TD Ameritrade from 2017 to 2018. He holds a California Insurance License.

Michael Evans is a financial advisor with Charles Schwab in Los Altos, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has worked at Charles Schwab since 1999 and at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wealth advisory, managed-account, and financial planning services through a combination of non-discretionary and discretionary investment solutions. The firm is notable for its scale, integrated service model, and multi-asset investment guidance supported by dedicated research and alternative investment programs.

David Zhou is a Financial Consultant currently working at Fidelity since 2021. He has prior experience as a Vice President Market Manager at Merrill Lynch from 2011 to 2020. His background in financial services includes advisory and management roles, which he utilizes to support his clients effectively. David holds a California Insurance License. He is interested in investing and financial planning and aims to share this knowledge with his clients to assist them. Outside of his professional work, David enjoys snowboarding, swimming, and traveling.

Peter Glaser is a CFP®-designated financial advisor with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at A. G. Edwards & Sons, Inc. He also serves as a trustee and holds power of attorney for his mother in California. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.