An Nguyen is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill and Bank of America, he held roles at Wyndham Garden Hotel and San Jose State University. Outside of his advisory work, he is employed by IHSS, supporting elderly individuals with daily activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using both model-based and discretionary investment strategies.

Ka Eun Lee is a financial advisor with Merrill in Cupertino, CA, holding Series 63, Series 65, and Series 66 licenses and 14 years of industry experience. Prior to joining Merrill and Bank of America in 2026, Lee worked at Park Avenue Securities and GUARDIAN LIFE INSURANCE/Pacific Advisors. Outside of advisory work, Lee has been involved with Loft Science LLC, providing business planning services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Neil O'Connor is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Based in Palo Alto, CA, O'Connor focuses on wealth management within a large institutional framework. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and simulations to support client strategies.

Lourdes Lopez is a financial advisor with Primerica Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her background includes roles at PFS Investments Inc. and Avinger, Inc., among others. She is involved in sales of investment-related products and also partakes in referrals for home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, along with corporate and charitable clients. The firm uses model-driven investment strategies managed by third parties and supports execution and custody through established providers, with approximately $15.5 billion in assets under management.

Dave Agustin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics from Wells Fargo Investment Institute alongside third-party sources to support its investment and retirement planning services.

Elijah Paniagua is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2024. Outside of his advisory role, he serves as Minister of Music at Creekside Bible Church, where he plans and coordinates music activities and leads volunteer musicians. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of investment advisory programs and maintains a large national network of advisors and branch offices.

Michael Chen is a financial advisor at Charles Schwab with five years of industry experience. He holds the Series 66 designation and has worked at firms including Morgan Stanley and E*TRADE Capital Management. Outside of his advisory role, he owns a rental property. 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 and utilizes multi-asset model portfolios supported by dedicated research and alternative investment due diligence.

Jiangning Liu is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with JPMorgan Chase Bank, Bank of America, and Merrill prior to his current role. Outside of finance, he was involved with Pilot Construction Management Inc. from 2016 to 2020. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Matt Damelio is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been advising clients since 1995. He works with a select group of families to help them establish and achieve their wealth management goals, focusing on areas such as education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income. Matt holds a Bachelor's degree in Economics from the University of California, Los Angeles (UCLA). He earned the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute™, completed in conjunction with the Haas School of Business at the University of California, Berkeley. He has also taught courses affiliated with the Haas School of Business. Additionally, Matt carries the Personal Investment Advisor (PIA) designation. Outside of his professional work, Matt is involved in his community as a Little League Baseball Coach. He enjoys baseball, boating, football, golfing, spending time with his family, and traveling. Matt is married to Erica, and they have three children, including Jack Damelio, who is also a financial advisor on the Merrill Lynch team.

Marian Lenz is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she works closely with a select group of affluent clients. She focuses on providing a personalized, planning-based approach tailored to enhancing client wealth according to their individual goals. Marian serves clients including engineers, physicians, attorneys, business owners, corporate executives, retirees, families with special needs children, and Stanford University alumni, assisting them in navigating financial opportunities and challenges. With a commitment to thorough analysis and holistic risk management, Marian helps clients develop investment plans that are tax-sensitive and diversified. She incorporates strategies involving ETFs, index-linked notes, mutual funds, annuities, and separately managed accounts, aligning with client preferences. Marian emphasizes intergenerational wealth transfer and collaborates with specialists for trust, insurance, retirement plans, and financing needs, reflecting a comprehensive approach to wealth management. Marian holds a Bachelor's degree in Economics from Stanford University and possesses several professional designations, including Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA). She actively participates in community initiatives such as Better Money Habits and enjoys interests including cooking, dancing, gardening, genealogy, hiking, music, reading, running, traveling, and yoga.

Thomas Johnson is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank and Axa Advisors, as well as positions at academic institutions such as UC Berkeley and the University of Michigan. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Darryl Ng is a financial advisor at Morgan Stanley in Palo Alto, CA, with 21 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2011. Outside of his advisory work, Ng is active in community and professional organizations, serving as a board member and chapter president for the USC Marshall Alumni Association’s Bay Area Chapter, president of the Santa Clara County Estate Planning Council, and a board member of the Certified Financial Planner Board of Standards, where he also volunteers as an exam question writer. Additionally, he is involved with Darryl Ng Competitive BBQ as a pitmaster, chef, and BBQ judge. Morgan Stanley Wealth Management provides a range of advisory services 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 utilizes structured planning tools and robust modeling techniques as part of its advisory process.

Michael Aoun is a Series 66-credentialed financial advisor with Morgan Stanley in Los Gatos, California, bringing two years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at ICR Staffing for two years and spent seven years in education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Suhrob Kaharov is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 19 years of industry experience. He has been with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Kleiner is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2012. He is committed to understanding each client's unique financial situation and goals, collaborating with them to develop personalized financial plans. Mark utilizes a wide range of investment options and diversified strategies available through Fidelity to help clients work towards their financial objectives. Mark has extensive experience in the financial advisory field, having previously worked as a Financial Advisor at UBS Financial Services from 2006 to 2012 and at Morgan Stanley from 2001 to 2006. He holds a California Insurance License. Outside of his professional work, Mark enjoys running and swimming.

Virendra Kanyal is a financial advisor at Charles Schwab with 21 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2007. Outside of his advisory role, he co-owns a vacation home in Park City with his wife. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a blend of non-discretionary and discretionary investment management services combined with custody and brokerage solutions.

Jacqueline Kobinski is a financial advisor at UBS Financial Services in San Jose, CA, with 17 years of industry experience. She has been with UBS since 2007 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Kenneth Fesler is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His prior work includes roles at Our Time to Act United and the University of California, Davis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of mutual funds, ETFs, and other investment vehicles.

Trung Lam is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and also holds a position at JPMorgan Chase Bank, N.A. since 2011. Prior to that, he worked at Endo Holdings LLC from 2023 to 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Gary Yung is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, and Merrill. 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. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering advisory services alongside affiliated brokerage, distribution, and investment management capabilities.