Jane Chen is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2017, following a 14-year tenure at Scottrade, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Yajing Qiu is a financial advisor with J.P. Morgan Securities in Milpitas, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. She has worked at J.P. Morgan Securities since 2016 and JPMorgan Chase Bank, N.A. since 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jasmin Martinez serves as Vice President Private Wealth Management Advisor at Fidelity Investments since 2026. She is a Certified Financial Planner® with over ten years of experience in the financial services industry. Her professional experience includes roles such as Financial Consultant and Vice President, Branch Leader at Fidelity Investments, as well as Senior Financial Consultant at Charles Schwab. She holds a California Insurance License. Outside of her professional work, Jasmin engages in activities such as kayaking, outdoor adventures, parenthood, caring for pets, traveling, and volunteering.

Colin Dasanjh is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he manages several residential rental properties. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to its investment recommendations.

Todd Gemmer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked at Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He serves as a member of the Burlingame Measure I Citizens Oversight Committee. 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’s planning process uses structured discovery and analytical tools but generally does not provide individual security recommendations within standalone plans.

Amber Tamara Nguyen is a Financial Advisor with Merrill Lynch Wealth Management. She joined the Stimpfig Wealth Management Group in 2014 and has over a decade of experience serving clients. Amber helps develop, implement, and track customized wealth management strategies designed to assist clients in pursuing their financial goals while managing investment risk. She works with clients on retirement planning, funding education expenses, and creating legacies for future generations. Amber holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA) designations. She earned her bachelor's degree from the California State University System.

Jesse Waters is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and nine years of industry experience. He has previously worked at Cetera Advisor Networks, Voya Financial Advisors, Bank of America, Merrill, and Oracle. Waters is involved with jessewatersfinancial LLC, an investment-related business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Geoffrey Bernal is a financial advisor with Mass Mutual Investors Services in Redwood City, CA, holding Series 63 and Series 66 credentials and having 31 years of industry experience. His career includes roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative annual financial planning engagements and a range of programs including wrap and money-manager options, along with educational seminars.

Jessica Tufte is a financial advisor at Cetera with 14 years of industry experience and holds the Series 66 designation. Her prior roles include positions at Ameriprise Financial Services and Craft and Fire Taproom, as well as a registered administrative assistant role at Rosenblatt Advisors. She is also a commissioned notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Allison Bordeaux is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, she worked at Northrop Grumman and Meta Platforms, Inc. She also has professional experience at Deloitte. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and conservative modeling techniques.

Michael Lam is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. His work history includes multiple tenures at Morgan Stanley and UBS Financial Services. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Keng Sheng Wen is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 13 years of industry experience. He has been with Morgan Stanley since 2013. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Christina Guzman is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing six years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019. Outside of her advisory role, Christina is also a private yoga instructor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Maarten Koornwinder is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Matthew Fortuna is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at Merrill for 21 years and spent time at the University of Notre Dame and another firm in 2018 and 2019. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, employing various modeling techniques without providing individual security recommendations as part of standalone plans.

Donna Lee is currently a Planning Consultant at Fidelity Investments, a position she has held since 2023. Prior to this role, she served as a Financial Consultant and Investment Consultant at Fidelity Investments from 2016 to 2023. Donna has also worked as a Financial Solutions Advisor at Merrill Lynch from 2012 to 2016, and held financial advisor roles at Morgan Stanley Smith Barney and Merrill Lynch between 2008 and 2011. Her areas of focus include retirement planning, income protection, investment strategies, and legacy planning considerations. Donna holds a California Insurance License, supporting her expertise in these areas. Outside of her professional career, Donna enjoys cooking and baking, fitness, exploring food, gardening, and traveling.

Kevin Ho is a financial advisor at Morgan Stanley in Palo Alto, CA, with eight years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Alice Chow is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Andrew Chang is a Series 66-licensed financial advisor with Morgan Stanley in Palo Alto, California, where he has worked since 2015. He has 13 years of industry experience. Outside of his advisory role, he is involved in a real estate property ownership activity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including direct individual plans and corporate financial planning agreements.

Todd Nelson is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. 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, including tailored financial planning supported by structured discovery conversations and firm-approved tools.