Valentine Huang is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, located in Silicon Valley. He provides financial advisory services to corporations, affluent investors, and families, focusing on delivering tailored solutions to address complex wealth management challenges. His client services include support in areas such as education planning, employee benefits planning, equity compensation services, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. With over 23 years of experience in the financial services industry, Valentine has held key roles prior to joining Merrill Lynch. He was a Portfolio Manager and Wealth Advisor at Morgan Stanley's Menlo Park office, where he specialized in equity compensation strategies and worked closely with venture capital clients. He also served as a Director and Vice President at Barclays Capital and Lehman Brothers, heading the west coast Asia ex-Japan institutional equities desk. Valentine is registered with FINRA and holds the Series 7, 63, and 65 licenses, along with the Personal Investment Advisor (PIA) designation. He earned his Bachelor of Arts in Economics from the University of California Davis. Valentine resides in Belmont with his three sons. His personal interests include playing piano, golf, tennis, running, hiking, visiting museums, attending symphonies and concerts, and dining out.

Vaishali Harirajan is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan and Scotiabank, including multiple roles within JPMorgan Chase Bank N.A. and J.P. Morgan Securities LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advisory services through a select group of Wealth Advisors.

Sandra Jerez is Vice President and Branch Leader at Fidelity Investments, where she leads a team of Financial Consultants and investment service associates. In her role, she oversees all aspects of branch operations, including customer interactions, team building, and training strategies. Sandra focuses on developing associates and managing operational activities to provide value to clients and assist them in achieving their financial goals through planning. Prior to joining Fidelity Investments in 2023, Sandra held positions at Merrill Lynch, serving as Performance Manager from 2019 to 2022 and as Market Leader from 2013 to 2019. She holds a California Insurance License.

Maria Santos is a Series 66 licensed financial advisor with LPL Financial, based in Fremont, CA, and has three years of industry experience. She previously worked at Fremont Bank and Comerica Bank, holding roles in wealth management and private banking. Santos is also a commissioned notary public in Fremont. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Salvatore Saso is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a range of client focus areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Salvatore holds the Professional Investment Advisor (PIA) designation and earned his Bachelor's Degree from San Jose State University. His expertise supports clients in achieving their financial goals through comprehensive planning and management strategies aligned with their individual needs.

Adam Anakota is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America, Merrill, and HSBC Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Grace Nash is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and employer-based financial planning solutions.

Daniel Baskin is a financial advisor with Wells Fargo Clearing in Sunnyvale, CA, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, delivering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, offering a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Madalina Andrei is a CFP®-designated financial advisor with 15 years of industry experience. She has been with Edward Jones since 2012, working out of Mountain View, CA. 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 services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Joshua Sangalang is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Charles Schwab Bank and various positions outside finance, such as at Bennies Bread and Pumpernickel Pickle Catering Company. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, integrating a broad range of investment options and centralized operational support.

Thuy Khanh Tran is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan entities since 2014, including JPMorgan Chase Bank, N.A. Since 2014, she has been associated with JP Morgan Securities LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Peter Wisowaty is a financial advisor with Morgan Stanley in Palo Alto, CA. He holds the Series 66 designation and has professional experience beginning in 2023 with Mass Mutual Investors Services and MassMutual Life Insurance Co before joining Morgan Stanley in 2025. His prior work includes roles in education and retail. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, without providing individual security recommendations as part of its standalone financial plans.

Fred Rice is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His career includes roles at firms such as Charles Schwab, E*TRADE, Royal Alliance Associates, and J.P. Morgan Securities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management arrangements through an integrated platform.

Thomas Nohr is a CFP® professional with 40 years of experience in financial advising. He has been with Cambridge Investment Research Advisors since 2017 and previously worked at National Planning Corporation. Outside of advising, he is involved in several businesses including operating Sonoma Travel Service as a travel agent and tour leader. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, and charitable organizations, by offering financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm provides various portfolio management options and maintains proprietary and third-party investment strategies, along with documented advisor business relationships that include professionals with legal and accounting backgrounds.

Clayton Vandenbossche is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He previously worked at Merrill Lynch and E.K. Riley Investments before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Mohammad Umar Shams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Bank of America, Merrill, HSBC, JP Morgan Securities, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Minyu Chang is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following seven years at UBS Financial Services. Outside of his advisory role, he is involved in property management as a sole proprietor in San Francisco. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment guidance from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers services that combine both advisory and broker-dealer capabilities.

Sameer Kalra is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at UC San Diego and UC Santa Cruz, as well as a four-year tenure at UPS. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Derek Bystrom is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab in Pleasanton, CA. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. His credentials also include Series 63 and Series 65 licenses. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment due diligence process.

Hui Xu is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and has 28 years of industry experience. Xu has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of Morgan Stanley, Xu coordinates educational activities with the Stanford Financial and Risk Modeling Institute. 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 employs structured planning tools and market modeling techniques in its financial planning process.