Emma Tornel is a financial advisor at Charles Schwab with Series 66 registration and experience beginning in 2023. Prior to joining Charles Schwab, she held positions at JPMorgan Chase and Capital One, among other roles in diverse industries. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers an integrated platform including brokerage, custody, and advisory services.

Hans Reese is a CFP® professional with 25 years of experience in the financial industry. He has been with LPL Financial in San Mateo, CA, since 2006. Outside of his advisory work, he is associated with Legal Shield in a limited, non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs and financial planning services, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

Richard Dupont is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, First Republic Investment Management, and J.P. Morgan entities. Based in Palo Alto, CA, he has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2023. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Xiang Li is a financial advisor at LPL Financial with 21 years of industry experience. He has held his current position since 2010. Outside of advising, he works as an interpreter. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Harlan Sylvester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. He serves as a council member outside of his advisory work. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Feng Jin is a financial advisor at Fidelity with a Series 66 designation and 10 years of industry experience. He has worked previously at UBS Financial Services and Merrill Lynch. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves registered investment companies and offers model portfolios through Fidelity Institutional Wealth Adviser.

Elizabeth Robbins is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has worked with Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 uses structured planning tools and firm-approved methodologies to support its financial planning process.

Luke Harris is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Carleton College, and Lakeside Partners. 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 combination of advisory and brokerage capabilities.

Yan Xiong is a financial advisor with J.P. Morgan Securities in Mountain View, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His work history includes roles at J.P. Morgan Chase Bank, Bank of America, and Merrill. He also was involved with HACC.AI System Solution LLC for one year. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Linh Tran is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2017. Outside of her advisory work, Tran is involved in education and real estate through board memberships with Little Builders International Academy LLC and ALKAL Franz LLC. Morgan Stanley Wealth Management provides comprehensive advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and offers services spanning from personal financial plans to corporate financial planning agreements.

Lin Wu is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC, where he worked between 2013 and 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and planning tools, managing approximately $2.74 trillion in client assets.

David Cuellar is a CFP® professional with 35 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Outside of his advisory role, Cuellar writes children's books and teaches financial strategies for retirement at De Anza College, Canada College, and the College of San Mateo. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Shuk Ming Leung is a financial advisor at J.P. Morgan Securities with nine years of industry experience. His work history includes roles at HSBC Securities, Morgan Stanley, Citigroup, and Bank of America. He holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Pierre Manneh is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2012 and 2015, respectively. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, with plans based on model-driven outcome simulations, while clients retain responsibility for implementation.

Vicky Hsia is a CFP® professional with 26 years of experience in the financial services industry. She is currently affiliated with Charles Schwab, where she has worked since 2019 and previously from 1999 to 2017. Her prior experience includes a brief tenure at Quantum Capital Management. 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 managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and access to alternative investments through a centralized operational structure.

Ashley Hanson is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2015. She works closely with Wealth Management Advisors and families to support their financial planning needs. Prior to her current role, Ashley served as a Relationship Manager at Fidelity Investments from 2012 to 2015, and as a Financial Representative from 2010 to 2012. She began her career as a Client Service Associate at Stevens Foster Financial Advisors from 2005 to 2010. Ashley holds a California Insurance License. Her professional focus is on delivering client service that enables clients to concentrate on their personal priorities while managing their financial goals effectively.

Annie Tran is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 5 years of industry experience. She has been with Morgan Stanley since 2017, following her studies at UC Irvine. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs focused on tailored financial planning, utilizing structured discovery conversations and firm-approved planning tools.

Wooseok Chang is a financial advisor with Merrill based in Palo Alto, CA, holding a Series 66 designation. He has experience working at Bank of America and Merrill since 2026, along with prior roles in various industries including aviation, food service, and rideshare companies. His background includes entrepreneurial activities in the restaurant sector. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Grush is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, he worked at Commure, Augmedix, JustAnswer, and SquareTrade. He holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Sandra Lanoie is a financial advisor at Morgan Stanley with 42 years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. She holds Series 63 and Series 65 credentials. Lanoie serves on the advisory board of the Children’s Musical Theater in San Jose. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, combining tailored financial planning and investment services supported by structured discovery processes and firm-approved planning tools.