Chuzhe Song is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their long-term goals, leveraging Merrill’s investment insights along with the banking and lending services of Bank of America. Chuzhe holds a Bachelor of Science in Business Administration with a focus in finance from the University of Washington and an MBA from the University of Southern California. He has prior experience with UBS AG in New York and joined The Virnoche Group in 2012. Chuzhe holds the Certified Financial Planner (CFP) designation and is a Personal Investment Advisor (PIA). He is committed to participating in community volunteer activities consistent with Merrill’s tradition of service.

Dina Hall is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 63 designation and over 38 years of industry experience. She has been with UBS since 1987. In addition to her advisory role, she serves as a co-trustee for a family trust, managing estate affairs and making investment decisions. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and research to tailor investment strategies to clients’ goals and risk tolerances.

Jasmine Yang is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a sole proprietor involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools as part of its advisory services.

Ricky Siu is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. He has worked with Wells Fargo in various capacities since 2013, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Christopher Do is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at UBS Financial Services Inc for nine years before joining Wells Fargo Clearing in 2018. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Thaddius La Rue is a financial advisor at Edelman Financial Engines with 15 years of industry experience. His prior roles include tenures at Fisher Investments and TIAA-CREF. He holds Series 65 and Series 63 licenses. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, emphasizing diversified model portfolios, periodic rebalancing, and long-term strategies.

Pervin Ozer is a financial advisor at Morgan Stanley in San Mateo, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley, Ozer worked at Wells Fargo Clearing and Wells Fargo Bank, NA, and has earlier experience in non-financial roles including at Starbucks and Universidade Estadual de Goias. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Riley Tolles is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Tolles worked at Ernst and Young and has been involved in entrepreneurial and cultural ventures, including owning Secia Art, an art and culture business based in San Francisco. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by advanced modeling tools and strategies developed by its Financial Advisors and Estate Planning Strategies Group.

Julian Lardizabal is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses. He has been with Morgan Stanley since 2026 and has prior experience at MAI Capital Management and Robertson Stephens. Outside of finance, his background includes roles in education and operations at organizations such as San Francisco State University, Terra Linda High School, and Legends Baseball Camps. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Husnia Lutfi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 65 and Series 63 licenses and five years of industry experience. She has worked at several major firms, including Charles Schwab, TD Ameritrade, Bank of America, Merrill, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third parties to inform its investment approach.

Anushree Dave is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 15 years of experience in the financial services industry, specializing in helping clients pursue their short- and long-term financial objectives. Anushree focuses on providing and managing customized financial strategies for individuals, families, and businesses. Her areas of expertise include college education planning, executive compensation, equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, women and wealth, individual and corporate investment strategies, and tax minimization. Anushree holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Master of Marketing Management from Jamnalal Bajaj Institute of Management Studies. Anushree is fluent in English, Gujarati, Hindi, and Marathi. Outside of work, she enjoys hiking, painting, reading, and traveling with family and friends.

Luisa Martinez is a Financial Consultant currently working at Fidelity Investments since 2020. She has experience in wealth management and equities trading, having previously served as a Portfolio Wealth Manager at Abendstern Wealth Management from 2015 to 2020 and as a Representative and Equities Trader at Golden Beneficial Securities from 2008 to 2010. Luisa holds a California Insurance License. In her role, she partners with clients to identify personal financial goals and develop comprehensive plans to meet ongoing needs. She aims to foster trusting and collaborative relationships where clients can openly share their challenges and aspirations. Outside of her professional work, Luisa enjoys camping, cooking and baking, visiting museums, outdoor adventures, playing soccer, and traveling.

Seth Tom is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked in various roles including project team member at Footprint USA and held coaching responsibilities as Head Coach for the Tonga Weightlifting Federation outside of business hours. Strategic Advisers LLC, a Fidelity Investments company where Seth operates, provides investment management and advisory services to retail and institutional clients using a blend of proprietary fundamental research and quantitative analysis, including algorithmic portfolio construction.

Robert Leland is a financial advisor at LPL Financial with 21 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 19 years. Leland holds the Series 66 designation and is based in San Mateo, California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various management approaches.

Kenny Merlo is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he manages a rental property in Redwood City, CA. 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 incorporates modern portfolio theory, serving as an ERISA fiduciary and offering a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Jonathan Martinez Cervantes is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial and Pace Supply Corp. He operates a business under the name Balanced Approach Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Kevin Yee is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation and having one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, First Republic Bank, and Aflac. J.P. Morgan Securities 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 when recommending strategies.

Bhawna Kochhar is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Bank, NA starting in 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Weldon Poole is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1995 and focuses on assisting clients in the planning and realization of their financial goals. His work includes developing personalized financial strategies and managing portfolios, including traditional advisement and discretionary management of investment strategies. Weldon holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a qualified Portfolio Manager. He graduated with a Bachelor of Science degree in Economics from Brigham Young University. Over his career, he has built a practice dedicated to client-centered service with an emphasis on intellectual rigor, customization, and long-term planning. He is active in his community, volunteering 10-15 hours per week, and is affiliated with The Church of Jesus Christ of Latter-Day Saints. Weldon lives in Fremont, California with his wife and their four adult children, enjoying activities such as hiking, photography, reading, and skiing.

Susang Sijapati is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to provide personalized planning experiences for clients. She supports advisors by proactively reaching out to clients to ensure their financial goals are understood and addressed, fostering engagement and collaboration to help clients navigate their financial futures confidently. Susang's experience at Fidelity Investments includes roles as a Relationship Manager from 2024 to 2025 and as a Financial Service Representative from 2023 to 2024. Prior to joining Fidelity, she worked as a Bank Teller at Wells Fargo from 2020 to 2021. She holds a California Insurance License. Outside of her professional role, Susang has interests in fitness, food, motorcycles, reading, and traveling.