John Campbell is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Morgan Stanley and its affiliated entities since 2017. Prior to that, he worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc. from 2009 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that use structured discovery processes and approved planning tools, managing approximately $2.74 trillion in client assets.

Timothy Liu is a Financial Consultant at Fidelity Investments, a position he has held since 2022. In this role, he partners with clients and their families to develop customized financial plans tailored to their unique situations, implementing strategies aimed at pursuing their financial goals. He serves as a primary resource for comprehensive wealth management planning at Fidelity. Prior to joining Fidelity, Timothy worked as a Senior Private Client Advisor at Bank of the West from 2015 to 2022. He holds a California Insurance License, which supports his work in providing financial advisory services. Outside of his professional work, Timothy has personal interests in boating, cars, fishing, and traveling.

Brian Vera Cruz is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He previously worked at Heritage Bank of Commerce and First Republic Bank. Outside of his financial career, he is involved in photography as a proprietor. Morgan Stanley Wealth Management is a large institutional firm serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research to support its financial planning process.

Emily Sims is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and six years of industry experience. She previously worked at Waddell and Reed and other firms before joining LPL Financial in 2021. Outside of her advisory work, she operates a freelance design business and owns an Etsy shop. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management alongside proprietary and third-party research.

Kin Lau is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, with prior roles at Prestige Asset Management Limited and BTL Asset Management. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a wide range of retail and institutional investment services.

Eric Lucero is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Fisher Investments and held roles at UBER and the San Jose Earthquakes. Outside of his advisory work, he is involved with Nu-Image, a transportation-related business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured tools and does not provide individual security recommendations as part of its standalone planning services.

Larysa Smykovskaya is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2018. In her role, she partners with clients to build personalized financial plans that address both short-term and long-term investment goals. She has extensive experience in wealth management and portfolio management, having held positions such as Vice President and Senior Portfolio Manager at TD Wealth Private Client Group from 2015 to 2018, Vice President and Portfolio Manager at PNC Wealth Management from 2013 to 2015, Senior Investment Specialist at Wells Fargo Private Bank from 2008 to 2013, and Financial Advisor to High Net Worth Clients at Vanguard Group from 2005 to 2008. Larysa holds a California Insurance License. Outside of her professional work, she enjoys fitness, hiking, skiing, theater, and traveling.

Linh Thai is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. Based in Menlo Park, CA, Linh holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Rachelle Ruiz is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers a broad range of investment and planning services.

Joseph Samuels is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management in Palo Alto, CA. As a CERTIFIED FINANCIAL PLANNER™ certificant and Chartered Retirement Planning Counselor®, Joseph specializes in working with clients to determine their long-term financial goals and implement comprehensive financial management strategies. His areas of expertise include asset management, liability strategies, education planning, retirement planning, and estate planning. He collaborates with clients' other advisors to support the development of their estate plans. Joseph has been in the financial services industry since 1990, with over two decades of experience at Merrill Lynch. He holds a bachelor's degree from the University of California system. Outside of his professional responsibilities, Joseph volunteers as a piano entertainer at local senior centers and is an avid jazz pianist. He is also committed to community involvement as part of Merrill's tradition of service.

Amanda Lo is a CFP® professional with 17 years of experience in the financial services industry. She is currently with J.P. Morgan Securities and has previously worked at Bank of America and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Anthony Rojo is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and 17 years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2014. Previously, he operated a business called Anthony Rojo Creative from 2011 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Gregory Hannah is a financial advisor at Osaic Wealth, Inc. with 31 years of industry experience. He has held positions at Osaic Wealth since 2018 and previously worked at Signator Investors from 2016 to 2018. He holds a Series 63 designation and also works as a fixed insurance agent. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct diversified portfolios.

Tara Fowler is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in providing research-based, active portfolio management and sound financial strategies for clients with sophisticated and complex needs. She collaborates closely with clients to help them make educated financial decisions, focusing on areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, socially responsible investing, and tax minimization. Tara and her team prioritize acting in their clients' best interests with honesty, integrity, and transparency. Tara holds a Bachelor's Degree from Santa Clara University and maintains several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Divorce Financial Analyst (CDFA), Accredited Domestic Partnership Advisor (ADPA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations, serving on the boards of the Kainos Auxiliary, RCSMC Chamber of Commerce, The Sequoia Awards, and the Bay Area Cancer Connection. Residing in Burlingame, Tara participates in various personal interests such as biking, boating, dancing, gardening, hiking, interior decorating, music, traveling, yoga, and spending time with her family. She emphasizes a collaborative approach that considers clients' personal perspectives and priorities in wealth planning.

Clemy Law is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 65 and Series 66 licenses and has been with Morgan Stanley since 2017, previously working at Ameriprise Financial Services for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Peter Evans is a financial advisor with LPL Financial in San Mateo, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining LPL Financial in 2025, he held various roles including work with the Spanish Ministry of Education and involvement in In2Deep Santa Monica. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and nonprofits through a national network of representatives. The firm offers diverse advisory programs, financial planning, and access to model portfolios and research, providing both discretionary and non-discretionary management services.

Kam Chak is a financial advisor at LPL Financial with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at BMO, Bank of the West, Citibank, and JPMorgan Chase Bank. 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 advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

William Michaelsen is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, alongside a prior tenure at Citigroup Global Markets beginning in 2000. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client engagements and corporate financial planning agreements.

John Paul Borbon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His career includes roles at Wells Fargo and Patelco Credit Union. He is also involved in Patelco Financial Solutions, a business related to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations, offering a range of advisory and brokerage services supported by research and multiple portfolio management options.

Ronald Puccinelli Jr. is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.