Peter Morris is a financial advisor at Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 48 years of industry experience. Prior to joining Osaic in 2025, he worked for 47 years at Lincoln Financial Advisors Corporation. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports discretionary and non-discretionary account management.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Jeffrey Chun is a financial advisor with Osaic Wealth, Inc. based in San Mateo, CA. He holds Series 63 and Series 66 credentials and has 26 years of industry experience, including 24 years at Lincoln Financial Advisors prior to joining Osaic in 2025. In addition to his advisory role, he is licensed as an insurance agent offering accident and health, disability insurance, fixed and indexed annuities, health savings accounts, long-term care insurance, and traditional insurance. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a large network of advisers and employs a range of asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct portfolios spanning multiple asset classes.

Kevin Wolfe is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 66 designation and with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and structured processes without providing individual security recommendations as part of standalone financial planning.

Michael Wang is a CFA® charterholder and holds a Series 66 license, with six years of industry experience. He has worked at Morgan Stanley and its Private Bank affiliate since 2020, following roles at ForeGrowth Inc., Royal Bank of Canada, and China Construction Bank (Canada). He serves as a board member for New Horizon Career Club, a nonprofit organization based in Toronto. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jimmy Tran is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for Charles Schwab and Charles Schwab Bank for 10 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Alice Chen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 24 years of industry experience. She has previously worked at Merrill, JP Morgan Securities, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Jeffrey Chen is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley and 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 wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques.

Gregory Quinlan is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools supported by its Global Investment Committee.

Irene Cho is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She has held roles at Wells Fargo Advisors LLC, Morgan Stanley Private Bank, N.A., and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stuart Epstein is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2017 and Morgan Stanley Smith Barney since 2009, as well as experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Brendan Carlyle is a financial advisor at UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he worked at the County of Santa Clara, The Home Depot, and Target, and attended Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients’ goals and risk tolerances.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

Benjamin Yohanan Jr. is a financial advisor at OSAIC with over 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc. and Hatch Retirement Services. Yohanan is also the owner of Ben Yohanan Annuity & Insurance Agency, Inc. and serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Brian Bechelli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and J.P. Morgan Securities and Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including 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 modeling techniques as part of its financial planning process.

Nickitas Panayotou is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He has recently entered the industry with approximately one year of experience, including prior roles at Charles Schwab and his own entity, Nickitas 7280. Outside of his advisory work, he holds a legal title as CEO and board member of Golden Anchor Auctions Incorporated, a non-operational automotive sales company with minimal personal involvement. 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 SMAs and employs a multi-asset model portfolio approach alongside centralized custody and order-routing services.

Chris Stephens is a financial advisor at Fisher Investments with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Fisher Investments since 2001. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment policy committee and a combination of quantitative and qualitative research to construct diversified portfolios, providing services that include sub-advisory management and retirement plan solutions.

Kevin Hatch is a financial advisor with LPL Financial in San Carlos, CA, holding Series 63 and Series 65 licenses and with 32 years of industry experience. He has been with LPL Financial since 1995 and has also been self-employed since 1993. Outside of his advisory role, he services some existing fixed-term life insurance policies, occasionally receiving trail income from these renewals. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Roger Guan is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy preparation, performance reporting, participant education, and plan benchmarking.