Maria Santos is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. She has prior experience at Fremont Bank, Comerica Bank, and Silicon Valley Bank, and is also a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of representatives. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, and supports advisors with diverse investment strategies and operational tools.

Phoebe Zhang is a financial advisor at Charles Schwab with a Series 66 license and experience working at Charles Schwab and Charles Schwab Bank since 2024. Prior to entering the financial industry, she held positions at Guardant Health, CVS Pharmacy, and in education. Charles Schwab serves a large client base primarily consisting 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 both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and centralized operational support.

Salvatore Saso is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in a range of client focus areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Salvatore holds the Professional Investment Advisor (PIA) designation and earned his Bachelor's Degree from San Jose State University. His expertise supports clients in achieving their financial goals through comprehensive planning and management strategies aligned with their individual needs.

Brandon Martinez Larragoiti is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. and Merrill. Outside of his advisory role, he serves as a board member for the nonprofit organization Children Now, focusing on children's issues. Morgan Stanley Wealth Management provides a broad range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering tailored financial plans without individual security recommendations as part of standalone programs.

Adam Anakota is a financial advisor with Wells Fargo Clearing in Fremont, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Bank of America, Merrill, HSBC Securities, and HSBC Bank USA. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

David Gambelin is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and research.

Daniel Baskin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., Wamu Investments, Inc., and Ameriprise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, using research and analytics along with diversification principles and modern portfolio theory to evaluate investment options.

Madalina Andrei is a CFP®-designated financial advisor with 15 years of industry experience. She has been with Edward Jones since 2012, working out of Mountain View, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Joshua Sangalang is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Charles Schwab Bank and various positions outside finance, such as at Bennies Bread and Pumpernickel Pickle Catering Company. Charles Schwab serves 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 discretionary separately managed accounts, integrating a broad range of investment options and centralized operational support.

Thuy Khanh Tran is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 11 years of industry experience. Tran has worked with JPMorgan Chase Bank, N.A. since 2015 and with J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG criteria and a wide range of investment capabilities including derivatives and commodities.

Luke Sweet is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 license with six years of industry experience. Before joining Morgan Stanley in 2018, he worked at Lyft for one year and spent two years at the University of California, Davis. Sweet also served in the United States Army National Guard from 2008 to 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Peter Wisowaty is a financial advisor with Morgan Stanley in Palo Alto, CA. He holds the Series 66 designation and has professional experience beginning in 2023 with Mass Mutual Investors Services and MassMutual Life Insurance Co before joining Morgan Stanley in 2025. His prior work includes roles in education and retail. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, without providing individual security recommendations as part of its standalone financial plans.

Fred Rice is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and 10 years of industry experience. His prior roles include positions at Charles Schwab, E*TRADE, J.P. Morgan Securities, and Royal Alliance Associates. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Yang Chen is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients identify their financial priorities and develop strategies to pursue their financial goals. Yang holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Master's Degree from Boston University and a Bachelor's Degree from Indiana University.

Michael Manneh is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66, Series 65, and Series 63 licenses. His prior roles include positions at Flagtar Private Bank and First Republic Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by firm-approved tools and a wide range of programs.

Robert Vaughan is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with nine years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Apttus from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Clayton Vandenbossche is a financial advisor with LPL Financial in Menlo Park, CA, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Merrill Lynch, E.K. Riley Investments, and Morgan Stanley. He is also involved in insurance brokerage, selling indexed universal life, universal life, term, and long-term care insurance products. 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 access, and institutional platforms, supported by advanced operational and research tools.

Mohammad Umar Shams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Bank of America, Merrill, HSBC, JP Morgan Securities, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Minyu Chang is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following seven years at UBS Financial Services. Outside of his advisory role, he is involved in property management as a sole proprietor in San Francisco. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment guidance from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers services that combine both advisory and broker-dealer capabilities.

Sameer Kalra is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at UC San Diego and UC Santa Cruz, as well as a four-year tenure at UPS. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.