Brian Morgan is a financial advisor with Morgan Stanley in Burlingame, CA. He holds a Series 66 designation and has 12 years of industry experience, including roles at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory work, he co-founded and serves as CFO of A.P.E.X. LLC, a company that designs strength and conditioning programs for high school and collegiate athletes. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Chad Bell is a financial advisor at Morgan Stanley with over 23 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2011. Outside of his advisory role, he serves on the administration and finance committee for Trinity Presbyterian Church and works as a bookkeeper and payroll assistant for the Santa Cruz Forest School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm offers a range of advisory programs and financial planning services to individuals and institutions, utilizing structured planning tools and methodologies without providing individual security recommendations as part of its standalone planning services.

Lan Lin is a financial advisor with LPL Financial based in Sunnyvale, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with LPL Financial since 2009, following earlier roles at Investment Advisors International, Inc. and several other firms in 2009. Lan Lin is also involved in non-variable insurance sales through Polaris Advisory, focusing on life, health, disability, long-term care insurance, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Emma Tornel is a financial advisor at Charles Schwab with Series 66 registration and experience beginning in 2023. Prior to joining Charles Schwab, she held positions at JPMorgan Chase and Capital One, among other roles in diverse industries. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers an integrated platform including brokerage, custody, and advisory services.

Christopher Olivarez is a CFP® with 14 years of industry experience. He is currently a financial advisor at OSAIC and previously worked at Securities America Advisors, Fidelity Personal and Workplace Advisors, and Merrill. Olivarez operates a sole proprietorship involved in insurance sales and service. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization, providing a variety of investment programs and third-party manager options.

Hans Reese is a CFP®-designated financial advisor with 25 years of industry experience, currently practicing at LPL Financial since 2006. Prior to joining LPL, he worked at Morgan Stanley and Merrill. In addition to his advisory role, he is associated with Legal Shield in a non-investment capacity. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a range of customizable strategies and technology tools.

Meiting Lin is a financial advisor at J.P. Morgan Securities with the Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities in 2026, Lin held roles at JPMorgan Chase Bank, N.A., Citibank, and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized group of Wealth Advisors. Their advisory process combines quantitative screens and qualitative research to deliver written asset allocation advice and customized reporting, with clients retaining final decision-making authority.

Richard Dupont is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA, having previously worked at firms including First Republic Investment Management, Bank of America, Merrill, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of advisors. Their non-discretionary advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and integrating ESG eligibility frameworks.

William Wang is a financial advisor with Charles Schwab in Cupertino, CA, holding Series 66 and Series 63 licenses and 13 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2014. Outside of his advisory role, he owns and operates an automotive repair business focused on building and restoring cars. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions, integrating multi-asset model portfolios with access to alternative investments and comprehensive custody and brokerage services.

Xiang Li is a Series 66-licensed financial advisor at LPL Financial with 22 years of industry experience. He has worked at LPL Financial since 2010, and previously held positions at Citigroup Global Markets, Citicorp Investment Services, and Morgan Stanley DW Inc. Outside of his advisory work, Li provides interpretation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Harlan Sylvester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and nine years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. He serves as a council member outside of his advisory work. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Elizabeth Robbins is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has worked with Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2021. 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. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and firm-approved methodologies to support its financial planning process.

Bela Palfalvi is a financial advisor with Charles Schwab in Cupertino, CA, holding a Series 63 license and bringing 33 years of industry experience. His career includes over two decades with Charles Schwab and related entities, as well as three years at TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Dewi Hartono is a financial advisor at Morgan Stanley in Cupertino, CA, with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and includes both retail and institutional services.

Xinyao Wang is a financial advisor at Charles Schwab with six years of industry experience. His background includes roles at JPMorgan Chase Bank and JPMorgan Securities, along with earlier experience outside finance as an auctioneer and working in the restaurant industry. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, and offers multi-asset model portfolios alongside centralized custody and order-routing services.

Yan Xiong is a financial advisor with J.P. Morgan Securities in Mountain View, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and JPMorgan Chase Bank, as well as a one-year tenure at HACC.AI System Solution LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and includes specialized capabilities in derivatives and commodities.

Linh Tran is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2017. Outside of her advisory work, Tran is involved in education and real estate through board memberships with Little Builders International Academy LLC and ALKAL Franz LLC. Morgan Stanley Wealth Management provides comprehensive advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and offers services spanning from personal financial plans to corporate financial planning agreements.

Lin Wu is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and 20 years of industry experience. Prior to joining Morgan Stanley in 2022, Wu worked at Wells Fargo Clearing and Wells Fargo Bank NA for a combined total of over a decade. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and modeling techniques.

Seema Shrivastav is a financial advisor with J.P. Morgan Securities in Fremont, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Bank NA for over a decade prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria within a non-discretionary program where clients retain final decision-making authority.

David Cuellar is a CFP®-certified financial advisor with 36 years of industry experience. He currently works at Wells Fargo Clearing, where he has been since 2016, and has previously been employed at Morgan Stanley, Citigroup Global Markets, and UBS Financial Services. Outside of his advisory role, Cuellar writes children’s books and teaches financial strategies for successful retirement at several colleges in the Bay Area. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics from Wells Fargo Investment Institute and follows diversification principles and modern portfolio theory in its investment approach.