Zhou Chen is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by the Global Investment Committee’s analyses.

Haotian Xie is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2022. Prior to his financial services career, he was affiliated with Plug and Play Tech Center and held roles associated with Hult International Business School, Columbia University, and the University of California, San Diego. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services through a large network of financial advisors.

Sang Hyun Kim is a financial advisor with Morgan Stanley based in San Jose, CA. He holds a Series 66 designation and has three years of industry experience. Prior to joining Morgan Stanley, his work history includes roles at Microsoft, Robert Half, CBRE, and several restaurant positions. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured processes and firm-approved planning tools.

Genesis Renteria is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, she works closely with clients to create personalized investment strategies designed to pursue their financial goals. She provides investment advice and access to banking and lending services through Bank of America. With expertise in general investing, retirement planning, and preparing for unforeseen financial needs, Genesis takes the time to understand what matters most to her clients. She focuses on developing tailored strategies by uncovering the priorities and goals of individuals and families. Genesis holds a Bachelor's Degree from California State University of Dominguez Hills. She also maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Ruby Lin is a financial advisor at RBC Capital Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at City National Bank, Bank of America, Merrill, and RBC Capital Markets. Lin is the owner of a personal charity LLC that makes donations primarily to organizations in Taiwan and other developing countries. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Stephan Garate is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and entering his first year in the industry. His background includes roles in construction, education, and small business ownership prior to joining the financial services sector. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and extensive asset management.

Chiapei Lin is a financial advisor at Cetera with nine years of industry experience. Lin holds a Series 66 designation and has worked at Avantax and 1st Global firms before joining Cetera in 2025. In addition to financial advising, Lin is involved as a referring advisor for JY WealthCare, LLC, which provides financial services linked to his longstanding CPA firm, Johanson & Yau Accountancy Corporation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through various program platforms, featuring both affiliated and third-party investment managers.

Harsh Pradhan is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2006. He has over 19 years of experience at Fidelity, focusing on serving clients by leveraging the company's resources to develop and implement wealth planning strategies. Prior to his current role, Harsh worked as a Financial Consultant at Charles Schwab & Co., Inc from 1998 to 2000 and at Dean Witter Reynolds Inc from 1995 to 1998. Harsh holds a California Insurance License, supporting his work in financial consulting and wealth management. He emphasizes building relationships with clients to understand their priorities and advocate effectively on their behalf. Outside of his professional responsibilities, Harsh enjoys family activities, gardening, hiking, and traveling.

Carrie Scaletta is a financial advisor with UBS Financial Services in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her career includes two prior tenures at UBS and three years at Wells Fargo Clearing. Outside of her advisory role, she plans travel for friends and family through a travel agency venture focused on theme parks, cruises, and hotels. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory solutions. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a diverse platform of financial products.

Yue Carol Liao is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. She has previously worked at Bank of America/Merrill Lynch for over a decade and has been with J.P. Morgan since 2026. Outside of advisory work, she co-owns and manages a family rental property in Dublin, California. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory program emphasizes written asset allocation advice and manager searches, supported by centralized due diligence and a combination of quantitative and qualitative research.

Bhavin Mehta is a CFP® with 34 years of industry experience, currently serving at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Securities America Inc. from 2017 to 2024, as well as over 18 years at Kestra Financial Services, Inc. and Kestra Investment Services, LLC. Outside of his advisory work, he holds a board position with Omkar Rocklin Inc., a motel property business. Osaic Wealth serves a diverse client base ranging from individual investors to institutional clients and offers a multi-advisor platform with brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and a complex affiliate network.

Salma Rasheed is a Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over 17 years of experience in the financial services industry, having previously worked as a Financial Advisor and Investment Associate at Wells Fargo Advisors from 2007 to 2016. Throughout her career, she has assisted clients in developing, implementing, and maintaining personalized financial plans, even in challenging market conditions. Salma holds a California Insurance License and focuses on wealth planning, helping clients work toward their financial goals. She leverages the resources and platforms available at Fidelity to support her clients' financial objectives.

Ian Mc Collam is a financial advisor at UBS Financial Services in Los Gatos, CA, holding a Series 66 designation with five years of industry experience. His prior work includes roles at UBS Group AG, Swenson Builders Inc., Golden State Activewear, and the University of Colorado at Boulder. 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’s advisory network employs proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Richard Gamboa is a financial advisor at UBS Financial Services with 46 years of industry experience. He has worked at UBS since 2008 and previously spent 11 years with Citigroup Global Markets. Outside of finance, he is a self-employed musician who performs with a band. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a variety of investment products. The firm combines institutional trading capabilities with wealth management and provides research, custody, underwriting, and capital markets services.

Ismael Macias is a CFP® and Series 66 certified financial advisor with four years of industry experience. He is currently with Charles Schwab and has prior experience at JPMorgan Chase and in hospitality management. Charles Schwab & Co., Inc. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Gregory Kosal is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 designations and 14 years of industry experience. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2014 and 2016, respectively. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers a combination of brokerage and advisory solutions.

Pietersen Sylvester is a Series 66-licensed financial advisor with one year of industry experience. He is currently with J.P. Morgan Securities and previously worked at Morgan Stanley Wealth Management and held roles outside the financial sector, including at Yext and in construction management. J.P. Morgan Securities provides institutional consulting services focusing on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Mark Radesic is a financial advisor at Raymond James Financial with 21 years of industry experience and holds a Series 66 designation. He has worked with several entities within the Raymond James network since 2021 and previously with Unionbanc Investment Services. Outside his advisory role, he serves as an officer in a support company, WAMG & Co Inc. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs analytical tools to tailor non-discretionary planning and encourages implementation through its advisory programs while supporting specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Joshua Denton is a Financial Consultant with over 10 years of experience in the financial services industry. He currently focuses on retirement planning, investment planning, tax-efficient investing, retirement income strategies, and comprehensive financial planning. His approach aims to simplify financial planning and provide actionable strategies for individuals and families. Throughout his career, Joshua has held leadership roles at Wells Fargo, including Senior Branch Premier Banker from 2019 to 2024 and Senior Branch Leader from 2014 to 2019. He holds a California Insurance License. Outside of his professional work, Joshua engages in family activities, football, outdoor adventures, and traveling.

Mary Lai is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in Cupertino, CA. She has been with Charles Schwab since 1997 and has worked at Charles Schwab Bank since 2005. Outside of her advisory role, she acts as trustee for a family trust overseeing several rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client advisory with access to affiliated discretionary separately managed accounts and conducts due diligence on alternative investments through its Schwab Center for Financial Research.