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.

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 with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., and Edward Jones. 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 from its internal Wells Fargo Investment Institute with third-party sources and offers both brokerage and advisory solutions.

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.

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.

Rita Rothstein is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Based in San Jose, CA, her career has been focused on serving clients within Morgan Stanley’s wealth management platform. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ruoyun Liang is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Charles Schwab in 2021, Liang worked at Trumpet Behavioral Health and held roles at Sky Resource Trading Co. LTD. and Aldo Shoes. Liang’s background also includes five years at The University of British Columbia. Charles Schwab & Co., Inc. serves a large client base, 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 mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and due diligence on alternative investments.

Clemy Law is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 65 and Series 66 licenses with 10 years of industry experience. Prior to joining Morgan Stanley in 2017, Law worked at Ameriprise Financial Services, Inc. for one year. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process utilizing firm-approved tools and models, offering services primarily in an advisory capacity.

Kam Chak is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and having four years of industry experience. His career includes roles at BMO, Bank of the West, Citibank, and JP Morgan Chase Bank and Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Alexander Chin is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at DCN Wealth Management, Sorrento Pacific Financial, LLC, and operating his own practice. Outside of finance, he works as a professional golfer and coach. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology and a broad platform that includes insurance and credit services.

Frank Auyeung is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012, following prior roles at Wells Fargo and Banc of America Investment Services. Outside of his advisory work, Auyeung is involved as a partner in a property management business. 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 a structured process.

William Michaelsen is a financial advisor at Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following nine years at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and advanced modeling techniques, serving a broad client base with a range of investment and financial strategies.

Qingyin You is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 19 years of industry experience. Prior to joining Wells Fargo in 2020, Qingyin worked at HSBC Bank USA and HSBC Securities from 2013 to 2020. Outside of advising, Qingyin provides in-home supportive services as a caregiver. Wells Fargo Clearing offers retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Aaron Chung is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 11 years of industry experience. His prior experience includes roles at Edward Jones, Fidelity Investments, Tesla Motors, Merrill Lynch, and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning supported by firm-approved tools and methodologies.

Long Lee Lam is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2011. 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.

John Paul Borbon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior work includes roles at Patelco Credit Union, CUSO Financial Services, Wells Fargo Clearing, and Wells Fargo Bank NA. He is also involved with Patelco Financial Solutions, a DBA entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors with various advisory and brokerage solutions.

Kevin Huynh is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015, following four years at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting for non-discretionary programs. Their advisory process is supported by centralized due diligence and uses systematic quantitative and qualitative research to build model asset allocations, incorporating ESG eligibility criteria and broader derivatives capabilities.

Aimee Mckone is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 23 years of industry experience. She has worked with Wells Fargo entities since 1989, including 10 years specifically at Wells Fargo Clearing. Outside of finance, she owns a home design consulting business called Elevated Design. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Cyrus Chan is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch and Merrill since 2007, with a brief tenure at the San Francisco Municipal Transportation Agency in 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wen Yueh Hu is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at UBS Financial Services Inc. from 2013 to 2018. Outside of his advisory role, Hu is a sole proprietor of a rental property business. Morgan Stanley Wealth Management provides a wide range of advisory services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.