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.

Thoa Algan is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Wells Fargo Clearing and Wells Fargo Bank NA in 2018, Algan worked at Citibank from 2011 to 2017 and was a homemaker for one year. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical among large institutional advisers.

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.

Jessica Huang is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation with 15 years of industry experience. Her prior roles include positions at First Republic Investment Management, First Republic Securities, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to build model asset allocations and incorporates ESG criteria within eligible strategies.

Troy Beck is a financial advisor with Thrivent Investment Management in San Jose, CA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Thrivent Financial for Lutherans since 2013 and Thrivent Investment Management since 2012. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering broad financial planning without portfolio management for institutional clients. The firm combines goal-based analyses with managed-account programs under its WealthPlan option, maintaining planning and investment services as separate offerings.

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.

Edman Wong is a financial advisor at Merrill with Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, and he has experience outside finance working for K Town Korean Bbq Inc. and Multnomah County. 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 both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth families, and institutions.

Grant James is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and eight years of industry experience. He has been with Wells Fargo since 2018, following a brief tenure at Randstad USA. 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 from Wells Fargo Investment Institute and third-party data sources.

Dana Mumford is a CFP®-designated financial advisor at Stifel with 22 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009, following positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. in earlier years. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, providing forward-looking analyses to support client decision-making.

Paul Clark is a CFP®-designated financial advisor with 29 years of industry experience. He currently works at Wells Fargo Clearing, where he has been since 2016, following previous roles at J.P. Morgan Securities, Chase Investment Services Corp., and CUSO Financial Services, L.P. He is based in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ethan Santikul is a financial advisor at RBC Capital Markets with one year of industry experience. He holds the Series 66 designation and has previously worked at Neuberger Berman and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies through a mix of in-house and third-party managers, with integrated capital markets and affiliated asset management capabilities.

Stephon Briganti Ortiz is a financial advisor at Osaic Wealth, INC with a Series 66 designation and three years of industry experience. His prior work includes positions at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Bank of America, Merrill, and several other firms. Outside of his advisory role, he holds durable power of attorney for his mother, managing her legal, medical, and financial decisions as needed. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs that emphasize model-based asset allocation and portfolio optimization, supported by a multi-advisor platform and a complex affiliate network.

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.

John Nguyen is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 provides both brokerage and advisory solutions, utilizing research and analytics alongside diversification principles and modern portfolio theory.

Hongmin Lu is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2010. His current roles include positions at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Melissa Drago is a financial advisor at Charles Schwab with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including TD Ameritrade Investment Management, Scottrade, and Wells Fargo Home Mortgage. Charles Schwab & Co., Inc. serves a large client base, 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, combining multi-asset model portfolios with centralized supervisory and custody arrangements.

C Warthen is a Wealth Management Advisor at Merrill Lynch Wealth Management based in San Jose, CA. In this role, C Warthen advises clients on managing their wealth to help them grow, retain, and transfer assets to the next generation. The services provided include retirement and education planning, banking, investments, lending, and wealth transfer strategies, utilizing the resources of Merrill Lynch Wealth Management and Bank of America N.A. C Warthen began their career in financial services in 1993 and serves clients who are successful in their fields, assisting them with a comprehensive approach that addresses individual financial goals. Their areas of client focus include education planning, employee benefits planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Educationally, C Warthen holds a Bachelor's Degree from San Jose State University. They have earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). C Warthen's personal philosophy centers on working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term financial goals.

Kuanyee Lee is a financial advisor at Charles Schwab with Series 66 credentials and two years of industry experience. Prior to her current role, she held positions in music education and youth orchestras. 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 services, offering both non-discretionary investment guidance and access to discretionary separately managed accounts.

Jose Navarro is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2016 and Wells Fargo Bank NA since 2015. Outside of his advisory role, Navarro's spouse owns and operates a business that manufactures and sells candles. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third-party databases to support its investment strategies.

Christopher Villaflor is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America N.A. and Bank of America Merrill Lynch since 2022, following roles at U.S. Bank and other organizations. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.