Patrick Heslip is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC, he held various roles including positions at UC San Diego and California Volunteers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by structured discovery processes and firm-approved tools.

Jan Doernte is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and modeling techniques, serving clients through both direct engagements and corporate financial planning agreements.

Ryan Nicholas is a Financial Consultant currently working at Fidelity Investments since 2023. He specializes in providing customized financial planning and guidance tailored to the unique circumstances and aspirations of individuals and families. Ryan has experience in various roles within the financial services industry, including positions as an Executive Relationship Manager and Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, as well as serving as a Financial Advisor Associate at Merrill Lynch from 2020 to 2021. He holds a California Insurance License.

Sven Geffken is a CFP® professional with nine years of industry experience, currently serving at Edward Jones since 2017. Prior to joining Edward Jones, he worked at McKinsey & Company from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, including managed solutions and separately managed accounts, and operates under a fiduciary standard.

Sherman Lee is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over two decades of experience in the financial services industry. Since joining Merrill in 2002, Sherman and his team have provided clients with personalized wealth planning and access to comprehensive banking solutions from Bank of America. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans, supporting corporate executives in integrating these benefits into long-term financial strategies. Sherman has specialized knowledge in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, tax minimization, and retirement income. He earned a Bachelor's Degree from the University of California System and holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sherman is fluent in English and Chinese. Outside of his professional work, Sherman is interested in adventure sports, hiking, running, softball, and traveling. He emphasizes a client-focused approach supported by a skilled team and leverages Merrill’s resources to help clients achieve their financial goals.

Kathryn Holland is a CFP®-credentialed financial advisor with nine years of industry experience. She is currently with LPL Financial and has previously worked at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of finance, she is involved in youth hockey as a scorekeeper, referee, bartender, and coach, and also operates an Etsy store as a designer and creator. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various financial planning and advisory programs, utilizing discretionary and non-discretionary management supported by proprietary and third-party research.

Wendell Graham is a Series 66-registered financial advisor with five years of industry experience, currently affiliated with J.P. Morgan Securities in San Carlos, CA. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Kov Tallam is an Investment Consultant at Fidelity Investments, a role he has held since 2026. He previously served in various positions at Fidelity Investments, including Planning Consultant from 2025 to 2026, Relationship Manager from 2024 to 2025, and Financial Representative from 2023 to 2024. In his professional work, Kov focuses on co-creating financial plans tailored to his clients' individual goals and circumstances. He employs a dynamic and precise approach to financial planning, aiming to provide objective and pragmatic guidance. Kov holds a California Insurance License. Outside of his professional life, Kov has interests in art, the beach, board games, cooking and baking, fitness, and soccer.

Catherine Depuy is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to help model financial outcomes.

Lin Qian Shao is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, Shao worked at TD Ameritrade and has a background that includes roles in retail and nonprofit sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm operates with a broad range of capabilities, including fiduciary fee-based financial planning, discretionary portfolio management, and institutional trading activities.

Lauren Sagan is a financial advisor with LPL Financial in Redwood City, CA, holding a Series 66 designation and 11 years of industry experience. She has worked at LPL Financial since 2019 and previously spent several years with First Allied Advisory Services and McKinley Financial Group. Outside of advisory services, she conducts retirement seminars titled Rejuvenate Your Retirement. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management with access to research, model portfolios, and technology-driven investment strategies.

Tod Spring is a financial advisor at Spring Capital Management in San Mateo, CA, holding a Series 65 designation with 8 years of industry experience. He has been with Spring Capital Management since 2008, overseeing the firm's advisory services. Spring Capital Management provides discretionary portfolio management to individual clients, managing approximately $17.4 million in assets across 38 client relationships. The firm emphasizes ongoing portfolio management and compliance, with detailed disclosures on investment strategies, performance-based fees, and regulatory requirements uncommon for firms of its size.

Robert Balopole is a CFA® charterholder and the principal of Balopole Investment Management Corporation in San Mateo, CA, with 26 years of industry experience. He has led his independent firm since 2000. Balopole Investment Management Corporation provides investment advisory and portfolio management services primarily to individual clients, managing approximately $31.8 million across 34 accounts. The firm emphasizes fundamental analysis and longer-term purchase strategies and offers ongoing investment supervision and regular account oversight. Additionally, the firm publishes a subscription-based periodical, which is uncommon among independent solo advisers.