William Hains is a financial advisor with Morgan Stanley, holding a Series 66 credential and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017, and previously held roles at Sanctuary Securities, LLC and Three Bridge Wealth Advisors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone financial plans.

Kendel Shapses is a financial advisor with Wells Fargo Clearing in Montara, CA, holding a Series 66 designation and eight years of industry experience. Before joining Wells Fargo in 2017, Shapses worked at Square Peg Organization and held instructional roles at Dominican University of California and the University of Berkeley. Outside of advising, Shapses is involved in community education as an instructor on financial strategies for retirement at several colleges and co-owns a wedding and event venue. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers a wide range of investment advisory, financial planning, and retirement plan consulting services supported by research from Wells Fargo Investment Institute and a focus on diversification and modern portfolio theory.

Ivan Chan is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He previously worked at Sand Hill Global Advisors, LLC from 2012 to 2020 before joining Morgan Stanley and Morgan Stanley Private Bank in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Alan Wong is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2004 and focuses on creating wealth management strategies for successful executives, entrepreneurs, and business owners. Alan's approach centers on understanding clients' values and financial goals through one-on-one conversations, enabling him to develop tailored solutions for education planning, family wealth management, personal retirement planning, small business strategies, and retirement income. Alan holds bachelor's degrees in Economics and Political Science with an Education minor from the University of California system. He also holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He has served as the Chair of the South San Francisco Planning Commission and as President of the CFA Society of San Francisco's Board of Directors. Committed to community involvement, Alan is currently on the School Board at St. Roberts School and actively volunteers in local organizations. Outside of work, he enjoys spending time with his family, traveling, coaching his children's youth soccer and softball teams, and following Bay Area sports.

Stephen Lo is a CFP® professional with 33 years of industry experience, currently serving at Morgan Stanley in San Mateo, CA. His career includes positions at Wells Fargo Clearing, Merrill, Charles Schwab, and Wamu Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs for individuals and institutional clients, focusing on tailored financial planning and a structured discovery process supported by firm-approved tools.

Hoang Luu is a financial advisor at Morgan Stanley with two years of industry experience. Before joining Morgan Stanley, he worked at Johnson & Johnson Vision for six years and Abbott Medical Optics for an additional six years. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Peiyi Lin is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Their prior roles include positions at Citibank, N.A. and Old Republic Title Company. Peiyi is based in San Mateo, CA. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, with a financial planning process that uses structured discovery and firm-approved tools to develop client plans. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Jonathan Noriega is a financial advisor at Edward Jones in San Carlos, CA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Advisors, and BDO USA LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lucas Andrighetto is a financial advisor at Morgan Stanley with Series 66 credentials and three years of industry experience. He has been with Morgan Stanley since 2022 and also has business involvement with DubClub, a technology venture, and Shasta Produce Co., a wholesale distribution company. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and offers a wide range of investment and financial solutions.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. 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 financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

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 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and financial planning services.

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® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. 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 institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.

Wendell Graham is a financial advisor with J.P. Morgan Securities in San Carlos, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory approach combines systematic quantitative screens with qualitative research and incorporates ESG eligibility frameworks in its recommendations.

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.