Yongqing Zhang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with a selected group of individuals, executives, and business owners to develop personalized financial strategies tailored to their long-term goals. His approach emphasizes a thorough understanding of clients' full financial pictures and the creation of flexible strategies that adapt to changing market conditions. Yongqing's expertise spans college education planning, divorce transition planning, investment consulting for defined contribution plans, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income planning. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Tsinghua University and a Master's Degree from Johns Hopkins University. Outside of his professional role, Yongqing participates in community volunteer work aligned with the Merrill tradition. He enjoys basketball, tennis, and spending time with his family.

Karen Zhu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to joining Morgan Stanley, she worked at Mizuho Securities LLC for two years. Outside of her advisory role, she operates a dog sitting business in Palo Alto. Morgan Stanley Wealth Management is an SEC-registered advisor and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning services utilizing structured discovery conversations and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Chohee Chong is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 credential and has worked at Bank of America and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Mengxiao Shan is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides personalized wealth management strategies tailored to clients' unique financial goals and changing market conditions. Mengxiao offers access to investment insights from Merrill and banking and lending solutions through Bank of America. Mengxiao's expertise spans family wealth management, services for endowments, foundations, non-profits, employee benefit plans, international wealth management, retirement planning, portfolio management, small business strategies, and tax minimization. She and her team focus on developing individualized strategies and providing ongoing portfolio advice for individuals, families, business owners, and non-profit organizations, particularly in the Silicon Valley area. She holds a Master of Business Administration (MBA) from the University of Florida and a Bachelor's Degree from Shenyang Normal University. Mengxiao is a Personal Investment Advisor (PIA). She speaks both English and Chinese. Outside of work, she volunteers in her community and enjoys basketball, cooking, hiking, music, photography, reading, swimming, traveling, and yoga.

Adrian Baker is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Bank of America, Merrill, and Montage Wellness Center. J.P. Morgan Securities 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 through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Dahn Lincoln is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the downtown San Jose office in Silicon Valley, Northern California. He began his career in financial services in 2016 in Los Angeles' Century City district. Dahn supports individuals and families by developing personalized financial plans through a Goals-Based Wealth Management process that centers on clients' values and priorities. He leverages Merrill Lynch's investment insights and Bank of America’s banking services to offer comprehensive wealth management solutions. Dahn holds a bachelor's degree in Business Economics from the University of California, Los Angeles (UCLA). He possesses several professional designations, including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in Mandarin Chinese, Japanese, and English, reflecting his years spent studying abroad in China and Japan. Dahn is a member of professional organizations such as SILVAR and the UCLA Alumni Association. Outside of work, his personal interests include basketball, football, music, running, spending time with family, and watching movies.

Dan Chang is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Ameriprise in San Jose, CA. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide annual written recommendations through a centralized consulting team, primarily focusing on assets managed within Ameriprise.

Tuan Tran is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked previously at JP Morgan Chase Bank, N.A., JP Morgan Securities LLC, and Chase Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Megan Edwards is a financial advisor with LPL Financial in Los Gatos, CA, holding a Series 66 designation and 18 years of industry experience. She has been with LPL Financial since 2009 and also operates Ivy Financial Planning & Associates, LLC. Outside of her advisory role, she serves as an assistant JV softball coach at Los Gatos High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Dominick Ruiz is a financial advisor at LPL Financial with 19 years of industry experience. He holds the Series 63 and Series 66 credentials. His prior experience includes roles at Cadaret, Grant & Co., Inc., and Strategic Wealth Advisors Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Mary Rono is a financial advisor with J.P. Morgan Securities in Los Gatos, CA, holding a Series 66 designation and 10 years of industry experience. She has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities 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.

Nathan Hodson is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes over a decade at Farmers Insurance Group and more than eight years at Fidelity Personal and Workplace Advisors. Nathan works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver systematic model portfolios across various investment platforms.

Xueling Zhang is a CFP® professional affiliated with Charles Schwab, with 10 years of industry experience. She has previously worked at National Life Insurance Company and TD Ameritrade prior to joining Charles Schwab Bank and Charles Schwab and Co., Inc. Zhang holds Series 63, Series 65, and Series 66 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions. The firm integrates advisory, brokerage, custody, and cash-sweep services within its wrap fee programs, supported by centralized operations and access to alternative investments.

Michael Adiutori is a CFP® with 32 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2012 to 2020. In addition to his advisory role, he is involved in independent insurance brokering with companies including Blue Shield of California, Guardian, and Midland National. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Christopher Michinaka is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Michinaka has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm employs structured planning tools and investment models to support client engagements and manages approximately $2.74 trillion in client assets.

Michael Richardson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Edward Jones, Financial Engines Advisors, and Comerica Securities. Outside of his advisory work, he is the owner and fitness trainer of Odyssey Senior Fitness in San Jose, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Yea Bin Lee is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Lee worked at Bank of America, Fidelity Investments, and New York Life Insurance Company. Outside of finance, Lee owns and operates a sole proprietorship focused on retail e-commerce selling clothing and cosmetics. Merrill 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.

Adam Ward is a financial advisor with Ameriprise based in Monte Sereno, CA, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. He has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Jitian Tan is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Jitian focuses on creating personalized financial strategies that align with clients' individual goals and adapt to changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to support clients in pursuing their long-term objectives. Jitian holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Master's Degree from Golden Gate University. Beyond his professional responsibilities, Jitian participates in community service, volunteering with local organizations as part of his commitment to the communities served by Merrill.

Chy Yip is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, Chy works closely with clients to develop personalized financial strategies aimed at pursuing long-term goals. Leveraging Merrill's research capabilities alongside the banking services of Bank of America, Chy focuses on creating flexible wealth management solutions tailored to each individual's financial picture. Chy specializes in a range of areas including college education planning, executive and equity compensation, family wealth management, legacy and retirement planning, tax minimization, and managing new wealth. With a consultative, goals-based approach, Chy emphasizes understanding clients’ aspirations and concerns to construct right-risk portfolio strategies supported by Merrill’s research resources. Chy Yip holds a Bachelor's Degree from San Jose State University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Fluent in Chinese and English, Chy is also engaged in community volunteer work and has personal interests in biking, cooking, and hiking.