Stephen Zanolli is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1991. He brings over 30 years of financial services experience in Silicon Valley, focusing on concentrated stock issues and strategies related to selling, liquidity, hedging, and risk management. Stephen employs a goals-based approach to wealth management, retirement income planning, and wealth transfer strategies tailored for ultra-high-net-worth clients. He collaborates with clients' external professionals to provide comprehensive estate planning services and strategies. Stephen previously served as resident director in the San Mateo office for two years, where he led other financial advisors and supported them in client engagement and building wealth management practices. He holds a bachelor's degree in industrial engineering from Stanford University and has earned the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ (The Institute). He is also recognized as a Personal Investment Advisor (PIA). Residing in Menlo Park with his wife, Jill, and their three daughters, Stephen remains active in his community by supporting local educational foundations. He is a member of the Half Moon Bay Men's Golf Club and has interests that include baseball, football, golfing, spending time with family, surfing, and traveling.

Masoud Mohebi is a financial advisor at Morgan Stanley with eight years of industry experience. He has held positions at Morgan Stanley Private Bank, J.P. Morgan Securities LLC, JPMorgan Chase Bank, and Wells Fargo. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by structured planning processes and advanced modeling tools.

Weijia Guo is a financial advisor with Merrill and holds Series 63 and Series 66 designations. Guo has seven years of industry experience, including prior roles at The Prudential Insurance Company of America and Pruco Securities, LLC. 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, and institutional investors.

Cynthia Cougoule is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 21 years of industry experience. Her prior roles include positions at Merrill, Bank of America, First Republic Investment Management, and Morgan Stanley. She is also a commissioned notary public. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, manager searches, and customized performance reporting.

Valentine Huang is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, located in Silicon Valley. He provides financial advisory services to corporations, affluent investors, and families, focusing on delivering tailored solutions to address complex wealth management challenges. His client services include support in areas such as education planning, employee benefits planning, equity compensation services, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. With over 23 years of experience in the financial services industry, Valentine has held key roles prior to joining Merrill Lynch. He was a Portfolio Manager and Wealth Advisor at Morgan Stanley's Menlo Park office, where he specialized in equity compensation strategies and worked closely with venture capital clients. He also served as a Director and Vice President at Barclays Capital and Lehman Brothers, heading the west coast Asia ex-Japan institutional equities desk. Valentine is registered with FINRA and holds the Series 7, 63, and 65 licenses, along with the Personal Investment Advisor (PIA) designation. He earned his Bachelor of Arts in Economics from the University of California Davis. Valentine resides in Belmont with his three sons. His personal interests include playing piano, golf, tennis, running, hiking, visiting museums, attending symphonies and concerts, and dining out.

Sandra Jerez is Vice President and Branch Leader at Fidelity Investments, where she leads a team of Financial Consultants and investment service associates. In her role, she oversees all aspects of branch operations, including customer interactions, team building, and training strategies. Sandra focuses on developing associates and managing operational activities to provide value to clients and assist them in achieving their financial goals through planning. Prior to joining Fidelity Investments in 2023, Sandra held positions at Merrill Lynch, serving as Performance Manager from 2019 to 2022 and as Market Leader from 2013 to 2019. She holds a California Insurance License.

Dylan Sabalvaro is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at BMO Bank NA and Northwestern Mutual. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Brandon Martinez Larragoiti is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. and Merrill. Outside of his advisory role, he serves as a board member for the nonprofit organization Children Now, focusing on children's issues. Morgan Stanley Wealth Management provides a broad range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering tailored financial plans without individual security recommendations as part of standalone programs.

Jenny Lee is a financial advisor at Merrill with five years of industry experience and a Series 66 designation. She has worked at Bank of America, N.A. and Merrill since 2020, and previously spent nine years at American Express. Outside of her advisory role, she owns Greyfin Management LLC, a business involved in importing car floor mats from Taiwan. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes integrated manager selection, tax-efficient capabilities, and benefits from its affiliation with Bank of America and related entities.

Kaitlyn Zawada is a financial advisor at OSAIC with five years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for five years. Zawada has also served as a financial planner and is licensed to offer fixed insurance products. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm provides a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Robert Anderson is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 63 license and 47 years of industry experience. He has been with UBS since 2001. Anderson serves as a member of the FINRA Market Regulation Committee, participating in quarterly meetings that influence regulatory oversight. 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, utilizing proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Leanne Skelly is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She previously worked for U.S. Bancorp Investments, Inc. for 12 years before joining LPL Financial in 2022. She operates under the DBA Bay Area Financial Wellness as part of her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors.

Daniel Baskin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., Wamu Investments, Inc., and Ameriprise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, using research and analytics along with diversification principles and modern portfolio theory to evaluate investment options.

Vicky Wong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various JP Morgan entities since 2017, including JPMorgan Chase Bank and JP Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework where applicable.

Tom Gai is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Peter Wisowaty is a financial advisor with Morgan Stanley in Palo Alto, CA. He holds the Series 66 designation and has professional experience beginning in 2023 with Mass Mutual Investors Services and MassMutual Life Insurance Co before joining Morgan Stanley in 2025. His prior work includes roles in education and retail. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, without providing individual security recommendations as part of its standalone financial plans.

Antoine Malouin is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. He began his career at Ameriprise in 2023 after completing his studies at UC Irvine. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing managed accounts and algorithmic support in its advisory process.

Anthony Essma is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services Inc. and Morgan Stanley since 2014. He co-owns a rental property with his spouse. 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 uses structured planning tools and emphasizes advisory services without offering individual security recommendations as part of standalone financial plans.

Jinglang Wei is a CFP® professional with eight years of industry experience, currently serving at J.P. Morgan Securities. Their career includes prior roles at Fidelity Brokerage Services LLC and JPMorgan Chase Bank, N.A. Wei is based in Millbrae, CA, and holds Series 63 and Series 66 licenses. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice and customized reporting, with a focus on a defined set of eligible investment strategies.

Michael Manneh is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66, Series 65, and Series 63 licenses. His prior roles include positions at Flagtar Private Bank and First Republic Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by firm-approved tools and a wide range of programs.