Sze Wai Kwok is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. Kwok has worked at Charles Schwab Bank and Charles Schwab since 2019 and previously held roles at Bank of America, Merrill, Bancwest Investment Services, and Bank of the West. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios and a formal alternative-investment process.

Daniel Peterson II is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked in educational roles at San Jose State University and Palma Highschool. He serves as a board member for the Sigma Nu Fraternity Alumni Association, where he participates in organizing alumni and student events. Merrill, along 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, and institutional investors.

Monu Ahluwalia is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2009. 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 searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and incorporates an ESG eligibility framework in its recommendations.

Kristy Takacs is a Planning Consultant at Fidelity Investments, where she focuses on building relationships with clients and their families to maintain accurate and current financial plans. Since joining Fidelity in 2019, she has held roles including Financial Representative and Relationship Manager before assuming her current position in 2020. Kristy's professional experience encompasses financial planning and client relationship management within Fidelity Investments. She holds a California Insurance License, supporting her work in financial services. Outside of her professional role, Kristy enjoys activities such as camping, attending concerts, exploring culinary experiences, spending time at the lake, listening to music, and practicing Pilates.

Jinyuan Ren is a financial advisor with Fidelity Investments in Los Altos, CA. He holds Series 63 and Series 66 designations and has been with Fidelity since 2026. Prior to joining Fidelity, he held positions at Bain & Company, KPMG, and several financial firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery that integrates proprietary research, quantitative analysis, and algorithmic construction.

Michael Kavanaugh is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera and its affiliates since 2021, following a long career at Voya Financial Advisors and Preretirement Marketing Insurance Service. Outside of his advisory role, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse investment strategies.

Naim Kawadri is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates closely with clients to assist them in making sound financial decisions and building comprehensive financial plans. He focuses on helping clients work towards financial success by periodically reviewing their investment strategies and goals. Prior to his current position, Naim served as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. His professional experience encompasses advising clients on financial strategies and solutions over several years. Naim holds a California Insurance License.

Tuyetanh Tran is a financial advisor with J.P. Morgan Securities based in Newark, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her work history includes roles at J.P. Morgan Securities since 2018 and Chase Investment Services Corp from 2011 to 2018. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities through related affiliates.

Matthew Atkins is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has worked across various J.P. Morgan entities since 2015, including JPMorgan Chase Bank and JPMorgan Securities. 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 integrates quantitative and qualitative research and includes access to derivatives and commodities capabilities.

Hana Redzic is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2022 and joined Merrill in 2020. Outside of financial advising, she owns a photography and social media business called Maass Photography. 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. The firm offers a range of model-based and discretionary strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Boris Melamud is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Jiaze Li is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities, JPMorgan Chase Bank, and HSBC Securities (USA) Inc. Prior to his financial services career, he worked as an Accounting Principal at Sephora/Adecco NA. 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 supported by a centralized due diligence team and includes broader derivatives and commodities capabilities.

Stephen Lucero is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with UBS since 1999. Lucero serves as a board member and advisor for Camp Kesem, a nonprofit organization supporting children with parents who have terminal illnesses. 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 uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Lance Buckeldee is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2008, including over a decade at Morgan Stanley Private Bank, N.A. based in Palo Alto, California. 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 supported by structured discovery processes and firm-approved tools.

Estanislao Saenz is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in guiding families and entrepreneurs through critical financial transitions, including employment changes, retirement, business protection, expansion, and sales. Estanislao and her team develop tailored wealth management strategies aimed at enhancing growth and promoting financial security, with a focus on client-centered service. Her areas of expertise include family wealth management, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Estanislao holds a Bachelor's Degree from New Mexico State University and maintains the Personal Investment Advisor (PIA) designation. She communicates fluently in both Spanish and English. As a naturalized immigrant and a mother of two, Estanislao emphasizes the importance of being present and prepared, striving to provide her clients with confidence and trustworthy guidance during life’s financial challenges. In her personal time, she enjoys running, traveling, and spending time with her family.

Lwin Mar Myint is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and possessing 19 years of industry experience. She has previously worked at HSBC Securities USA Inc and UnionBanc Investment Services, among other firms. Outside of her advisory role, she owns an investment property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG eligibility frameworks.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Michael Wang is a CFA® charterholder and Series 66 licensee with six years of experience in the financial industry. He is currently with Morgan Stanley in Palo Alto, CA, where he has worked since 2020, following roles at ForeGrowth Inc., Royal Bank of Canada, and China Construction Bank (Canada). He serves as a board member for the nonprofit New Horizon Career Club in Toronto. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured tools and investment modeling.

Hyun Soo Jeon is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm’s investment implementation is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Jimmy Tran is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for Charles Schwab and Charles Schwab Bank for 10 years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.