Andrew Liu is a CFP® professional with 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following six years at Morgan Stanley and four years at Citigroup Global Markets. His current practice is based in San Jose, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Jesus Maciel is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and possessing 10 years of industry experience. He has worked at J.P. Morgan Securities and related entities since 2016. In addition to his advisory role, he is an owner and partner of La Michoacana Plus, an ice cream parlor in San Jose. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Marcela Gonzalez is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2020. She brings extensive experience in personal financial planning, emphasizing client engagement in the planning process to develop disciplined financial strategies. Prior to her current role, Marcela served as Vice President -- Investments and Private Client Advisor at JPMorgan Securities from 2012 to 2020. Her earlier experience includes positions as a Licensed Banker at Chase Bank from 2010 to 2012 and as a Registered Client Associate at Merrill Lynch from 2008 to 2010. She holds a California Insurance License.

Jenny Brummer is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 23 years before joining UBS in 2023. She is based in San Jose, CA. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research, affiliated banking, and securities-backed lending programs.

Zipeng Zheng is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services and Shoji Sushi. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Paula Thielen is a financial advisor at Cetera with 19 years of industry experience. She holds the PFS™ designation and Series 66 license. In addition to her advisory work, she is a CPA and owner of Thielen & Associates, an accounting and tax preparation firm where she oversees tax planning and return review for individual and business clients. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors, serving individual, institutional, and retirement plan clients. The firm offers a variety of portfolio management and financial planning options, including access to third-party money managers and model portfolios, supported by a multi-manager platform and diverse program structures.

Shirine Prasad is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 66 designation and previously worked at 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 discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ibun Ando is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and has 13 years of industry experience. Prior to joining Wells Fargo Clearing in 2023, Ando worked at Bancwest Investment Services, Inc. and Bank of the West from 2016 to 2023. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to deliver brokerage and advisory solutions across a broad client base.

Yassir Shafi is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2021, also maintaining a role at Wells Fargo Bank since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Madeline Van Hoorickx is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds the Series 66 designation and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, offering a broad set of financial solutions.

Shashi Bhatia is a financial advisor at Morgan Stanley in San Jose, CA, with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at UBS Financial Services, Wells Fargo Clearing, Merrill, RBC Capital Markets, and BMO Harris Financial Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to support client objectives.

Joanna Chan Mui is a financial advisor at LPL Financial with 37 years of industry experience. She holds the Series 66 designation and has worked at firms including Morgan Stanley Private Bank, Bank of America, Merrill, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, supporting advisors with research models, third-party subadvisors, and technology tools.

Patrick Thor is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Ameriprise, Comerica Securities, Securities America, PFG Advisors, and KeyPoint Credit Union. Outside of his advisory work, he is involved with Comerica Bank’s cash management platform serving corporate and institutional clients. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party databases with principles of diversification and modern portfolio theory to evaluate investment options, and also offers a range of financial products through its bank and insurance affiliates.

Yujin Zheng is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in serving ultra-high-net-worth clients, particularly those with concentrated stock positions resulting from IPO or exit events. She provides tailored financial strategies that address complex wealth management challenges, including concentrated stock positions, IPO planning, generational wealth transfer, tax minimization, and retirement income planning. With a background in statistics from Arizona State University, Yujin applies a disciplined, data-driven approach to financial planning. She holds the Personal Investment Advisor (PIA) designation and is proficient in Chinese, English, and Mandarin. Her expertise encompasses portfolio management, executive compensation, family wealth management, and college education planning. Yujin is committed to understanding each client's unique goals and developing personalized strategies accordingly. She integrates the investment insights of Merrill Lynch and the banking services of Bank of America to address diverse financial needs. Outside of her professional role, Yujin enjoys hiking, music, traveling, and yoga.

Yifeng Tong is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 65 and Series 63 credentials and 9 years of industry experience. He has been with Wells Fargo Clearing since 2015 and previously worked at the University of North Carolina at Charlotte from 2014 to 2016. 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 approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Michelle Flamm is a financial advisor with Charles Schwab in Los Gatos, CA, holding a Series 66 credential and five years of industry experience. She previously worked at US Bank and TD Ameritrade and has been associated with Charles Schwab since 2018. Outside of finance, she is a licensed cosmetologist providing haircut and hair coloring services to a small regular clientele. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and alternative investments, supported by a centralized operational structure.

Christopher Wiebusch is a financial advisor at Merrill with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of America. Outside of his advisory career, he was involved with Do Life Inc. 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.

Janet Monger is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. She has worked at Raymond James Financial Services, Inc. since 2022 and previously operated Brennan Bookkeeping, LLC. Outside of her advisory role, she serves as a Client Service Associate at Blue Diamond Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm employs a tailored, non-discretionary investment approach using risk profiling and modeling tools, and is notable for its affiliation with a municipal advisor and specialized services such as SIMPLE IRA Employer Advisory & Consulting.

Xiangxiang Zhang is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2017. Prior to that, she was employed at CreditEase in 2016. 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 combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework where applicable.

Chia Ling Cherene Wong is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 credentials and possessing 24 years of industry experience. She has been with Ameriprise since 2016. Wong serves on the board of directors for Bartlett Educational Resources, a nonprofit organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.