Yan Xiong is a financial advisor with J.P. Morgan Securities in Mountain View, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and JPMorgan Chase Bank, as well as a one-year tenure at HACC.AI System Solution LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes specialized capabilities in derivatives and commodities.

Antonio Posada is a financial advisor at Osaic Wealth based in San Jose, California, holding a Series 66 designation with 11 years of industry experience. His prior roles include positions at Arbor Point Advisors and Securities America Advisors. Outside of his advisory work, he manages a small life insurance and annuity business. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization with discretionary and third-party managed options.

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 20 years of industry experience. Prior to joining Morgan Stanley in 2022, Wu worked at Wells Fargo Clearing and Wells Fargo Bank NA for a combined total of over a decade. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and modeling techniques.

David Cuellar is a CFP®-certified financial advisor with 36 years of industry experience. He currently works at Wells Fargo Clearing, where he has been since 2016, and has previously been employed at Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory role, Cuellar writes children’s books and teaches financial strategies for successful retirement at several colleges in the Bay Area. 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 utilizes research and analytics from Wells Fargo Investment Institute and follows diversification principles and modern portfolio theory in its investment approach.

Deborah Mazzulla is a financial advisor at UBS Financial Services in San Jose, CA, with 45 years of industry experience. She has been with UBS since 1995. She holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets activities.

Pamela Matthews is a financial advisor at Ameriprise in Los Gatos, CA, holding Series 63 and Series 65 designations with 35 years of industry experience. She has been with Ameriprise and its affiliated entity since 2009. Ameriprise provides a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets, delivering detailed written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a dedicated team to support its advisory services.

Kimberly Custodio Contreras is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank since 2011. Outside of her financial services career, she is involved in LADY LURKERS, a women's skateboard brand based in Boulder Creek, CA. 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 combines research and analytics with diversification principles to provide both brokerage and advisory solutions across a broad range of financial products.

Sheldon Lee is a Series 66-licensed financial advisor at Wells Fargo Clearing with six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has a total of 13 years of experience with Wells Fargo Bank, N.A. outside of his advisory role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, 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 sources.

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.

Gary Cornford is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 2000 and Charles Schwab Bank, SSB since 2005. 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 guidance, utilizing multi-asset model portfolios and alternative investments, supported by a large-scale, integrated operational structure.

Annie Tran is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017. Prior to her advisory role, she was employed at UC Irvine from 2013 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broader investment and trading activities.

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.

Gary Sargenti is a financial advisor with RBC Capital Markets in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at RBC Capital Markets since 2008 and has been affiliated with City National Bank since 2017. Outside of his advisory role, he serves on the boards of Quanta Laboratories Inc., a nonprofit testing laboratory, and the San Jose Youth Symphony, where he is treasurer and participates in finance advisory. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and nonprofit organizations. The firm offers tailored portfolio management and advisory services through various programs, utilizing both in-house and third-party investment managers along with options for tax management and responsible investing.

Tammy Ramsay is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Securities America Advisors, Morgan Stanley, Citigroup Global Markets, and Fidelity. In addition to her advisory role, she is a leaseholder of her office space in San Jose, which she sub-leases to a business related to the insurance industry. OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform with an emphasis on model-based asset allocation and portfolio optimization. The firm’s scale, complex affiliate network, and private-equity ownership distinguish it within the industry.

Sandra Lanoie is a financial advisor at Morgan Stanley with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Since 2015, she has served on the advisory board of the Children’s Musical Theater in San Jose, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves approximately $2.74 trillion in client assets.

Thomas Anderson is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 65 designations and with 40 years of industry experience. He has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment solutions.

Gregory Wood Jr. is a financial advisor with LPL Enterprise, holding Series 66, 65, and 63 licenses and four years of industry experience. His prior roles include positions at Merrill, Bank of America Merrill Lynch, and Freedom Asset Management Limited. He has served in the United States Navy Reserve Component since 2016. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers and financial planning services.

Leonard Sun is a financial advisor at UBS Financial Services with Series 63 and Series 66 credentials. He has one year of industry experience and previously worked at Wells Fargo Bank, N.A. He studied full-time at the University of California, Davis, and Ohlone College prior to entering the financial services industry. Leonard has also been involved with Bay Angels. 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 uses proprietary research to tailor plans to clients’ goals and risk tolerances.

Devin Gledhill is a financial advisor at J.P. Morgan Securities based in Palo Alto, CA, with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles at JPMorgan entities since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other clients through a select group of Wealth Advisors. The firm offers a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting.