Timothy Liu is a Financial Consultant at Fidelity Investments, a position he has held since 2022. In this role, he partners with clients and their families to develop customized financial plans tailored to their unique situations, implementing strategies aimed at pursuing their financial goals. He serves as a primary resource for comprehensive wealth management planning at Fidelity. Prior to joining Fidelity, Timothy worked as a Senior Private Client Advisor at Bank of the West from 2015 to 2022. He holds a California Insurance License, which supports his work in providing financial advisory services. Outside of his professional work, Timothy has personal interests in boating, cars, fishing, and traveling.

Brian Vera Cruz is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. He previously worked at Heritage Bank of Commerce and First Republic Bank. Outside of his financial career, he is involved in photography as a proprietor. Morgan Stanley Wealth Management is a large institutional firm serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research to support its financial planning process.

Charles Lawson is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a broad suite of capital markets solutions.

Ruhi Mistry is a Financial Advisor based in San Jose, working with Merrill Lynch Wealth Management. She focuses on client areas including Corporate Benefits, LGBT Wealth Planning, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Socially Responsible and ESG Investing, Women and Wealth, and Retirement Income. Ruhi is committed to helping individuals and families gain clarity around their finances and improve their financial well-being. Ruhi believes that financial health is a crucial aspect of overall well-being that is often overlooked. She works to empower clients by understanding their unique circumstances, enabling them to make informed decisions and achieve financial goals they may have thought unattainable. Her mission is to help clients build a solid financial foundation to live well today and create the future they envision. She holds a Personal Investment Advisor (PIA) designation and earned her education from the University of California, Santa Cruz. Outside of her professional work, Ruhi enjoys biking, music, and traveling.

Amy Roat is a financial advisor at Ameriprise with four years of industry experience. She holds the Series 66 designation and has been with Ameriprise since 2015. Outside of her advisory role, she participates in studio maintenance shifts at a Corepower yoga studio. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Kin Lau is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019, with prior roles at Prestige Asset Management Limited and BTL Asset Management. Morgan Stanley Wealth Management serves both individual and institutional clients, providing advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a wide range of retail and institutional investment services.

Flora Kam is a CFP® professional with 22 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. Her career includes 13 years at METLIFE Securities and ongoing roles at MassMutual Life Insurance. In addition to her advisory work, she manages existing health insurance clients and conducts annual plan reviews. MassMutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, employing firm-approved tools and collaborative planning processes.

Eric Lucero is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2020, he worked at Fisher Investments and held roles at UBER and the San Jose Earthquakes. Outside of his advisory work, he is involved with Nu-Image, a transportation-related business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured tools and does not provide individual security recommendations as part of its standalone planning services.

Larysa Smykovskaya is a Vice President and Financial Consultant at Fidelity Investments, where she has been serving since 2018. In her role, she partners with clients to build personalized financial plans that address both short-term and long-term investment goals. She has extensive experience in wealth management and portfolio management, having held positions such as Vice President and Senior Portfolio Manager at TD Wealth Private Client Group from 2015 to 2018, Vice President and Portfolio Manager at PNC Wealth Management from 2013 to 2015, Senior Investment Specialist at Wells Fargo Private Bank from 2008 to 2013, and Financial Advisor to High Net Worth Clients at Vanguard Group from 2005 to 2008. Larysa holds a California Insurance License. Outside of her professional work, she enjoys fitness, hiking, skiing, theater, and traveling.

Linh Thai is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. Based in Menlo Park, CA, Linh holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Jacob Cadena is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at LPL Financial LLC, Robert W. Baird & Co Inc, New York Life Insurance Co, and Greenpeace International. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools and structured planning engagements.

Paul King is a financial advisor with LPL Financial in Campbell, CA, holding CFP®, Series 63, and Series 65 credentials and bringing 37 years of industry experience. He has worked at LPL Financial since 1994 and has been associated with Pence Financial Group since 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, supported by research and model portfolios.

James Park is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1999. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm serves a large client base and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Dedrick Rhone is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015 and Morgan Stanley Private Bank, National Association since 2016. Rhone serves on the board of Hidden Villa, a non-profit organization in Los Altos, California. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Rachelle Ruiz is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers a broad range of investment and planning services.

Peter Signor is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Joseph Samuels is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management in Palo Alto, CA. As a CERTIFIED FINANCIAL PLANNER™ certificant and Chartered Retirement Planning Counselor®, Joseph specializes in working with clients to determine their long-term financial goals and implement comprehensive financial management strategies. His areas of expertise include asset management, liability strategies, education planning, retirement planning, and estate planning. He collaborates with clients' other advisors to support the development of their estate plans. Joseph has been in the financial services industry since 1990, with over two decades of experience at Merrill Lynch. He holds a bachelor's degree from the University of California system. Outside of his professional responsibilities, Joseph volunteers as a piano entertainer at local senior centers and is an avid jazz pianist. He is also committed to community involvement as part of Merrill's tradition of service.

Lauro Hernandez Cabral is an Investment Consultant at Fidelity Investments, where he assists clients in wealth planning by simplifying complex financial decisions. He has over a decade of experience in the financial services industry, providing personalized plans to clients and their families focused on their long-term goals. His career includes roles such as Relationship Manager and Financial Representative at Fidelity Investments, as well as Relationship Banker at Wells Fargo. Lauro holds a California Insurance License. Outside of his professional work, Lauro enjoys baseball, football, running, outdoor adventures, cars, and family activities.

Asa Chao is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 license and eight years of industry experience. He has been with Morgan Stanley since 2016 and previously worked at American Duty Free Center from 2010 to 2016. Morgan Stanley Wealth Management serves individual and institutional clients with a variety 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 planning process using firm-approved tools and market outcome modeling.

Robert Wheeler is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients gain a clear understanding of their financial situation, both past and present, to develop personalized strategies aimed at pursuing their long-term goals. His approach is grounded in principles of respect, integrity, collaboration, honesty, and empathy. His areas of expertise include college education planning, retirement income, philanthropic planning, portfolio management services, and small business strategies among others. Robert holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Financial Planning Association and the National Association of Plan Advisors. Robert earned both his Bachelor's and Master's degrees from Golden Gate University. He also holds two Associate's degrees from West Valley College and a High School Diploma from Los Gatos High School. Outside of his professional work, he dedicates time to volunteering within his community and enjoys activities such as biking, hiking, ice hockey, music, running, traveling, watching movies, and writing.