Ngoc Le is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and has three years of industry experience. Prior to joining Merrill, Ngoc worked for Riviera Finance from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Boesch is a financial advisor at Fidelity with 38 years of industry experience. He holds the Series 63, Series 65, and Series 66 securities licenses. Boesch has been associated with Fidelity Investments in various capacities since 1999. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, and it holds distinctive registrations and advisory roles within the industry.

Minh Dinh is a CFP®-designated financial advisor with 24 years of industry experience, currently with LPL Financial since 2016. Prior to joining LPL, he worked at Edward Jones for 13 years and Waddell & Reed for two years. 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.

Joshua Yeager is a financial advisor at UBS Financial Services with Series 63 and Series 65 licenses and four years of industry experience. Prior to joining UBS, he worked at Scotia Capital (USA) Inc., Nomura Securities International, Inc., KPMG, and Duff & Phelps. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets solutions.

Ryan Nguyen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase & Co., Scharf Investments, LLC, and Fidelity Investments. He also has experience in education, having worked at Evergreen Valley College and Piedmont Hills High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Weifen Cheng is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds a CFP® designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Citigroup Global Markets. Cheng is also the sole proprietor of a real estate business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and corporate financial planning agreements.

Jonathan Schmidt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and proprietary planning tools.

Sophia Szeto is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, previously spending four years with the Ray Barri Agency at Allstate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides a planning process that uses structured discovery and firm-approved tools without individual security recommendations as part of standalone financial plans.

Magdalen Yum is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds the Series 63 designation and has been with UBS since 2016. Yum serves on the board of The Dui Hua Foundation, a nonprofit focused on rights advocacy through dialogue. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management using proprietary research and model-based asset allocations.

Matthew Brady is a financial advisor with Merrill in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior roles include positions at Citigroup, Wells Fargo, Barclays Capital, and Lehman Brothers. He serves as chair of the board of directors for the Saint Francis Foundation, a charitable organization. Merrill, together with its affiliate Managed Account Advisors LLC, 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, pension plans, corporations, and charitable organizations.

Andrew Fotu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Bank of America Consumer and Business Banking, bringing a client-focused approach grounded in integrity and availability. Andrew emphasizes a personalized, planning-based strategy to help clients pursue their financial goals while considering their life priorities and aspirations. Andrew's expertise includes executive compensation, family wealth management strategies, managing new wealth, and portfolio management services. He analyzes clients' wealth structures to identify weaknesses and develops customized investment strategies using both internal and external research as well as Merrill's open investment platform. He collaborates closely with clients' CPAs and estate attorneys to implement tax minimization and estate planning strategies. He holds a Bachelor's Degree from the University of Waikato and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Andrew participates in community volunteer activities and enjoys basketball, hiking, skiing, spending time with his family, and traveling.

Rick Haro is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Melissa Whitney is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Chase Bank and J.P. Morgan Securities for 13 years. Outside of her advisory role, she is a silent partner and investor in Longfellow Wines LLC, a winery based in Oakland, CA. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models developed by its Global Investment Committee.

Issa Kaleh is a financial advisor with J.P. Morgan Securities in Burlingame, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill, Bank of America, Wells Fargo, and Northwestern Mutual Investment Management. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Diego Contreras is Vice President and Financial Consultant. He partners with families and individuals to assist them in navigating wealth planning decisions, emphasizing attention to detail, integrity, and dedication. Diego's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2019 to 2025, a Senior Financial Consultant at TD Ameritrade from 2018 to 2019, and a Financial Consultant at TD Ameritrade from 2017 to 2018. He holds a California Insurance License.

Pagnchaktra Sun is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Citibank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

David Zhou is a Financial Consultant currently working at Fidelity since 2021. He has prior experience as a Vice President Market Manager at Merrill Lynch from 2011 to 2020. His background in financial services includes advisory and management roles, which he utilizes to support his clients effectively. David holds a California Insurance License. He is interested in investing and financial planning and aims to share this knowledge with his clients to assist them. Outside of his professional work, David enjoys snowboarding, swimming, and traveling.

Jerry Tzu Hsuan Chen is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, 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, pension and profit-sharing plans, corporations, and charitable organizations.

Elizabeth Dong is a financial advisor with Morgan Stanley in Menlo Park, California. She holds a Series 66 designation and has 12 years of industry experience. Her work history includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2013. Outside of her advisory work, she owns and manages a real estate business, DJH Realty LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Alina Lloyd is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. She provides tailored advice, proactive outreach, and forward-thinking strategies to ultra-high-net-worth entrepreneurs, executives, and their family members. Throughout her career, Alina has focused on the distinctive needs and priorities of this dynamic clientele, helping them anticipate and navigate critical decision points in their financial lives and legacies. She has particular expertise in pre- and post-liquidity event planning, cash flow analysis, trust and estate planning services, and facilitating access to customized lending through Bank of America. Alina has worked in private banking and wealth management since 2003. Prior to joining Merrill, she held similar roles at Wells Fargo Private Bank and J.P. Morgan Private Bank, serving ultra-high-net-worth clients across San Francisco, Los Angeles, and Houston. She holds a Bachelor’s degree in Finance from the University of Houston, graduating Summa Cum Laude, and an MBA with Honors from the University of California, Los Angeles. She is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). Alina serves as Chair of the Board at StarVista, a Bay Area nonprofit providing community outreach and social services to children, young adults, and families, and she participates on its Executive and Fundraising Committees. She is also a co-founder of Women in Technology & Finance, a networking organization supporting Silicon Valley women in venture capital, finance, and technology. Alina resides in San Carlos with her husband and two daughters. Her personal interests include cooking, hiking, music, reading, tennis, watching movies, and yoga.