Robert Tracy is a CFP®-designated financial advisor with 18 years of industry experience. He is currently with LPL Financial and has previously worked at Lincoln Financial Securities, Massachusetts Mutual Life Insurance Company, Mass Mutual Investors Services, and MetLife Securities Inc. Outside of his advisory work, he is a co-owner of a sports cards and memorabilia business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jingyao Li is a financial advisor at Wells Fargo Clearing with three years of industry experience. Li holds the Series 66 designation and has previously worked at Bank of America and NatWest Bank, RBS Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for discretionary management and a range of investment vehicles including insurance-related products and bank deposit sweeps.

Marcus Jones is a financial advisor with UBS Financial Services in San Francisco, California, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with UBS since 2019. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services alongside proprietary research to tailor investment strategies.

Xiaolin Yang is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Melissa Wong is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2020. Prior to her current role, she worked at the US Census Bureau and the British Consulate-General in San Francisco. Charles Schwab 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by integrated brokerage, custody, and research resources.

Sarah Mijts is a Series 66-credentialed financial advisor with 19 years of industry experience. She is currently with Wells Fargo Clearing and has previously held roles at Rockefeller Financial LLC, First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eddy Shum is a CFP® and PFS™ with 37 years of experience in the financial industry. He is currently with LPL Financial and has held prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and USA Financial Securities Corporation. Shum also operates Peak Retirement, Inc., a business entity he has maintained since 1999. 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 representatives. The firm offers a range of advisory programs and services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary portfolio management.

Darrin Chow is a Financial Consultant currently working at Fidelity Investments since 2022. He has held various roles in the financial services industry, including Senior Financial Consultant at E*TRADE Securities, LLC from 2014 to 2022, Financial Advisor at BancWest Investment Services, Inc. from 2013 to 2014, Financial Solutions Advisor at Merrill Edge from 2011 to 2013, and Paraplanner at Ameriprise Financial Services, Inc. from 2010 to 2011. His approach involves co-creating customized financial strategies focused on long-term goals, emphasizing individual definitions of financial independence. Darrin holds a California Insurance License. Outside of work, Darrin engages in personal interests such as hiking, movies, music, reading, tennis, and traveling.

Tommy Romero Jr. is a Series 65-licensed financial advisor with Fisher Investments, where he has worked since 2000, totaling 26 years with the firm and 21 years of industry experience. Based in Woodside, CA, he is part of a large team serving a diverse client base. Fisher Investments provides discretionary portfolio management to institutional and private clients worldwide, including pension plans, foundations, and high-net-worth individuals. The firm utilizes a centralized investment approach combining quantitative and qualitative research to manage diversified portfolios and employs tax-aware strategies alongside risk management techniques.

Jacklyn Tran is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2015 and is currently associated with Morgan Stanley Private Bank, N.A. She holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Nicholas Rogers is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at various Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. 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 and tailored financial planning services supported by structured discovery conversations and firm-approved planning tools.

Veronique Hsu is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, she worked at Trader Joe's and held various roles at Temple University and other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Helen Li is a Financial Consultant at Fidelity Investments, where she assists individuals and families with wealth planning to achieve their financial objectives. She has been in this role since 2026. Prior to this, Helen worked as a Financial Advisor at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2023 to 2026, and began her tenure there as a Client Associate from 2022 to 2023. Before joining Merrill Lynch, she served as a Financial Advisor at Edward Jones from 2021 to 2022 and at MassMutual from 2019 to 2021. Helen holds a California Insurance License, enabling her to provide insurance services as part of her financial advisory role. Outside of her professional work, she spends her time visiting museums, reading, and practicing yoga.

Rajiv Eluthesen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2010 after graduating from the University of California at Berkeley's Haas School of Business. Rajiv works collaboratively with clients across various stages of their financial lives, developing tailored wealth management strategies to support retirement, education planning, stock options, and RSUs management, among other goals. He holds the CERTIFIED FINANCIAL PLANNER™ certification and Personal Investment Advisor designation. Rajiv's professional expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income strategies. He is a member of the Peninsula Velo cycling team. Outside of his professional work, Rajiv enjoys cycling, ski trips, hiking, camping, cooking, reading, and spending time with his family. He has combined his interests in travel and cycling through activities such as riding from Barcelona to France.

Natalia Koritskaya is a CFP® professional with 11 years of industry experience, currently advising clients at LPL Financial since 2025. She previously spent a decade with Ameriprise from 2015 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, supporting both discretionary and non-discretionary management with research and model portfolios.

David Hines is a CFP®-certified financial advisor with 12 years of industry experience, currently serving clients at Charles Schwab. He has been with Charles Schwab & Co., Inc. since 2014 and Charles Schwab Bank, SSB since 2016, both located in San Francisco, CA. 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 a combination of non-discretionary and discretionary investment options, integrating multi-asset model portfolios, alternative investments, and centralized custodial and brokerage services.

Larry Shaw is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated private bank since 2011. 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 strategies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

Deidra Geraghty is a Series 66-licensed financial advisor with UBS Financial Services in San Carlos, CA, and has 16 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advice based on proprietary research and model-based asset allocations.

Daniel Huston is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 65 credentials with two years of industry experience. His work history includes roles at Chequers Financial Management LLC and David White & Associates, and he spent four years in full-time education prior to his advisory career. 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 a combination of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and due diligence on alternative investments.

Jane Chen is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2017, following a 14-year tenure at Scottrade, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.