Victor Mandella is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and other financial and accounting firms. In addition to his advisory roles, he is an officer at Moon & Mandella Accountancy Corporation, a CPA firm. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining affiliated and third-party strategies, supported by a nationwide network of more than 10,000 advisors.

Monique Garduno is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 66 and Series 63 licenses and bringing two years of industry experience. She previously worked at Wells Fargo from 2008 to 2017 and has been with JPMorgan Chase Bank, N.A. since 2017. 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 within a non-discretionary advisory program.

Michael Toy is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services, Securities America, Inc., and LPL Financial. His practice includes operating under the DBA Toy Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program options.

Noah Rubin is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and investment services supported by firm-approved tools and methodologies.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Alexandra Tran is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2014. She specializes in creating and maintaining customized financial plans aimed at helping clients achieve their financial goals. Alexandra's approach involves understanding each client's unique situation to assist them in making informed financial decisions. Alexandra has over 19 years of experience in the financial industry. Prior to her current role, she held positions at Fidelity Investments as an Investment Consultant from 2011 to 2014 and as a Financial Representative from 2008 to 2011. She began her career as a Financial Advisor at Ameriprise from 2006 to 2008. She holds a California Insurance License.

Dillon Magee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Bank and experience outside the financial sector at Sun Shops and the University of California, Santa Cruz. Wells Fargo Advisors is a national firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Nathan Van Dell is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at John Mills and been involved with the United States Tennis Association. Outside of finance, he has been active with the Peninsula Community Center for several years. Morgan Stanley Wealth Management provides a wide range of advisory services to both individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive asset management capabilities.

Sean Chatman is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent ten years with Wells Fargo Investments, LLC. Outside of his advisory role, he is involved as a landlord managing a rental property. 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 uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions across a broad range of financial products.

Ashna Sharma is a financial advisor at Morgan Stanley in Palo Alto, CA, with 10 years at Morgan Stanley Smith Barney LLC and 5 years of industry experience. She holds the Series 66 designation. Outside of advisory work, Sharma provides home health care services through California's In-Home Supportive Services Program. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model outcomes, while maintaining an advisory role without individual security recommendations in standalone planning.

Ngoc Le is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and has three years of industry experience. Prior to joining Merrill, Ngoc worked for Riviera Finance from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marcus Leung is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual since 2007. Outside of his advisory role, he manages a residential property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements using firm-approved tools to support client goals.

Ryan Nguyen is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has previously worked at JPMorgan Chase & Co. and Scharf Investments, LLC. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprising mutual funds, ETFs, and ETPs.

David Lu is a financial advisor at Morgan Stanley in Pleasanton, CA, holding the Series 66 designation with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through corporate financial planning arrangements.

Jonathan Schmidt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley since 2016. 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 that utilizes structured discovery conversations and proprietary planning tools.

Sophia Szeto is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, previously spending four years with the Ray Barri Agency at Allstate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides a planning process that uses structured discovery and firm-approved tools without individual security recommendations as part of standalone financial plans.

Magdalen Yum is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds the Series 63 designation and has been with UBS since 2016. Yum serves on the board of The Dui Hua Foundation, a nonprofit focused on rights advocacy through dialogue. 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 provides tailored financial planning and portfolio management using proprietary research and model-based asset allocations.

Matthew Brady is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Citigroup, Wells Fargo Clearing Services, Wells Fargo Bank, Barclays Capital, and Lehman Brothers. He serves as chair of the board of directors for the Saint Francis Foundation, a charitable organization based in San Francisco. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Fotu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Bank of America Consumer and Business Banking, bringing a client-focused approach grounded in integrity and availability. Andrew emphasizes a personalized, planning-based strategy to help clients pursue their financial goals while considering their life priorities and aspirations. Andrew's expertise includes executive compensation, family wealth management strategies, managing new wealth, and portfolio management services. He analyzes clients' wealth structures to identify weaknesses and develops customized investment strategies using both internal and external research as well as Merrill's open investment platform. He collaborates closely with clients' CPAs and estate attorneys to implement tax minimization and estate planning strategies. He holds a Bachelor's Degree from the University of Waikato and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Andrew participates in community volunteer activities and enjoys basketball, hiking, skiing, spending time with his family, and traveling.

Michael Daly is a financial advisor with J.P. Morgan Securities in Dublin, CA. He holds Series 63 and Series 65 licenses and has 30 years of industry experience. His prior work includes roles at Chase Investment Services Corp., Wamu Investments, Inc., and Banc of America Investment Services, Inc. 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. The firm’s advisory process integrates quantitative and qualitative research and incorporates an ESG eligibility framework within a non-discretionary program.