Amanda Lo is a CFP® with 18 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2021. Her prior experience includes roles at Bank of America N.A. and Merrill, where she worked from 2008 to 2021. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research supported by a centralized manager solutions team and incorporates ESG criteria within eligible strategies.

Neil Menzies is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. He serves as a board member for The Meg Foundation, a nonprofit organization based in Denver, CO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by approved tools and modeling techniques.

Ruoyun Liang is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Charles Schwab in 2021, Liang worked at Trumpet Behavioral Health and held roles at Sky Resource Trading Co. LTD. and Aldo Shoes. Liang’s background also includes five years at The University of British Columbia. Charles Schwab & Co., Inc. serves a large client base, 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 offers a mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and due diligence on alternative investments.

Gregory Hannah is a financial advisor at Osaic Wealth, Inc. in Oakland, CA, with 31 years of industry experience. He holds a Series 63 designation and has worked at Osaic Wealth since 2018, following prior roles at Signator Investors and Transamerica Financial Advisors. Outside of advising, he operates a fixed insurance agency as a sole proprietor. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization.

Tara Fowler is a Wealth Management Advisor at Merrill Lynch Wealth Management. She leads a team that provides research-based, active portfolio management and financial strategies tailored for sophisticated clients with complex needs. Tara collaborates with clients to enable informed decision-making, allowing them to confidently pursue their personal and financial goals. Her areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, philanthropic planning, personal retirement planning, and tax minimization. Tara holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Divorce Financial Analyst (CDFA), Accredited Domestic Partnership Advisor (ADPA), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Santa Clara University. Tara is actively involved in her community and serves on multiple boards, such as the Bay Area Cancer Connection Board of Directors (2024-2025), Kainos Auxiliary Board of Directors (2005-present), The Sequoia Awards Board of Directors (2009-present), and previously on the Sequoia Hospital Foundation Board of Directors (2015-2018). Outside of her professional work, she enjoys biking, boating, dancing, gardening, hiking, interior decorating, music, spending time with her family, traveling, and yoga.

Clemy Law is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 65 and Series 66 licenses with 10 years of industry experience. Prior to joining Morgan Stanley in 2017, Law worked at Ameriprise Financial Services, Inc. for one year. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process utilizing firm-approved tools and models, offering services primarily in an advisory capacity.

Peter Evans is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he worked at In2Deep Santa Monica and served with the Spanish Ministry of Education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kam Chak is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and having four years of industry experience. His career includes roles at BMO, Bank of the West, Citibank, and JP Morgan Chase Bank and Securities. 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 various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Alexander Chin is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at DCN Wealth Management, Sorrento Pacific Financial, LLC, and operating his own practice. Outside of finance, he works as a professional golfer and coach. 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 a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology and a broad platform that includes insurance and credit services.

William Michaelsen is a financial advisor at Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following nine years at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and advanced modeling techniques, serving a broad client base with a range of investment and financial strategies.

Qingyin You is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 19 years of industry experience. Prior to joining Wells Fargo in 2020, Qingyin worked at HSBC Bank USA and HSBC Securities from 2013 to 2020. Outside of advising, Qingyin provides in-home supportive services as a caregiver. Wells Fargo Clearing offers retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Long Lee Lam is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2011. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Paul Borbon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior work includes roles at Patelco Credit Union, CUSO Financial Services, Wells Fargo Clearing, and Wells Fargo Bank NA. He is also involved with Patelco Financial Solutions, a DBA entity related to his LPL business. 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 a range of services including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors with various advisory and brokerage solutions.

Ronald Puccinelli Jr. is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Cyrus Chan is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch and Merrill since 2007, with a brief tenure at the San Francisco Municipal Transportation Agency in 2017. 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, pension plans, corporations, and charitable organizations.

Wen Yueh Hu is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at UBS Financial Services Inc. from 2013 to 2018. Outside of his advisory role, Hu is a sole proprietor of a rental property business. Morgan Stanley Wealth Management provides a wide range of advisory services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Christopher Manzi is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at SGC Financial, Minnesota Life, Securian Financial Services, Ameriprise, and Mass Mutual Investors Services. 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 a range of financial planning and investment services, utilizing a broad platform that includes model portfolios, third-party asset management, and institutional programs.

Joseph Abad is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Investments, Citicorp Investment Services, and UBS Financial Services. 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 manages roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Vic Leung is a financial advisor at Cetera with four years of industry experience and holds the Series 66 designation. His work history includes roles at Merrill, Wells Fargo, U.S. Bank, U.S. Bancorp Investments, and East West Bank. Cetera Investment Advisers LLC serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with diverse program structures and custodial relationships.

Sahil Dilawari is currently serving as Vice President and Branch Leader. He has been working as a Financial Consultant at Fidelity Investments since 2020. Prior to this role, he was a Private Client Advisor at J.P. Morgan Chase from 2018 to 2020 and held the position of Senior Manager at Alliant - LPL Financial from 2012 to 2018. Sahil's professional experience spans comprehensive financial planning and investment strategies. He holds a California Insurance License and is focused on delivering wealth planning services tailored to client priorities. He is committed to helping clients and their families by developing customized financial plans that address their specific needs and goals.