Zhong Shi is a CFP® with 23 years of experience, currently serving as a financial advisor at Transamerica Financial Advisors. He has held roles with organizations including Kyros Ai Corp., Heartland Institute of Financial Education, and Covered CA. Outside of advising, he works as a college planning consultant and financial education instructor. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base through a large advisor network and multiple program platforms. The firm primarily uses model portfolios and third-party managers to implement its advisory services.

Gurvinder Aujla is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Merrill, Avantax Investment Services, Bancwest Investment Services, J.P. Morgan Securities, and Chase Investment Services Corporation. Outside of advisory work, he is involved in tax preparation, bookkeeping, small business consulting, and also works as a licensed real estate agent and loan officer. Independent Financial Group, LLC provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth clients, trusts, and corporate plans. The firm offers financial planning and portfolio management through multiple platforms, combining strategic asset allocation with active and passive investment approaches.

Quan Zhang is a financial advisor with HSBC Securities (USA) Inc. in Fremont, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. He has been with HSBC Securities and its affiliate HSBC Bank USA since 2018. Zhang also serves as a Bank Officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his role as a registered representative. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm uses a multi-profile investment approach supported by affiliated global asset management and fund due diligence providers.

Qi Zhang is a financial advisor with Eagle Strategies (NY Life) based in San Jose, CA, holding Series 63 and Series 65 licenses with three years of industry experience. Prior to joining Eagle Strategies, Qi worked at NYLIFE Securities, LLC and New York Life, and previously spent six years at Guosen Securities. Qi co-owns a non-operational financial services business with her husband. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions and predominantly managing assets on a non-discretionary basis.

Ashkahn Moayedi is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 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 integrates research and analytics from Wells Fargo Investment Institute and third-party sources in its investment approach.

Tommy Liu is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Outside of his advisory role, he is involved in property management activities in the Redwood City area. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by the Global Investment Committee’s return estimates and modeling tools.

Christina Patel is a financial advisor at Ameriprise with nine years of industry experience. She holds a Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services Inc. since 2016. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing tax-aware retirement income planning advice focused on dependable income sources.

Mark James is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at JP Morgan Chase Bank N.A. and Wells Fargo Advisors. Outside of finance, he owns and operates RetroTrips, a business focused on toy, hobby, and tabletop game sales. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Katrina Yun Nikolac is a financial advisor at Edward Jones in Los Altos, CA, holding the CFP®, ChFC®, and Series 66 designations with 18 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient overlay services.

Samuel Maran is a Series 66-credentialed financial advisor with three years of experience at Morgan Stanley, based in Palo Alto, CA. His prior work includes roles in education and the restaurant industry, including positions at the University of California Berkeley and Pyeongchang Tofu House. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, providing financial planning through structured discovery and firm-approved tools, and managing approximately $2.74 trillion in client assets.

Kristina Kashuba is a Series 66-licensed financial advisor with Morgan Stanley in Cupertino, CA, with three years of industry experience. Her prior experience includes roles at Citibank and San Jose State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, supported by structured planning processes and proprietary investment modeling tools.

Hannah Quinton is a financial advisor at Charles Schwab with 19 years of industry experience and holds a Series 66 designation. She has worked at Charles Schwab and its affiliated entities since 2016 and was previously employed at TD Ameritrade from 2022 to 2024. 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 operates a hybrid advisory model combining non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Ali Shan is a Financial Consultant at Fidelity Investments, where he collaborates with clients and their families to develop customized financial plans aligned with their distinctive goals and priorities. His approach incorporates investment planning, retirement planning, and tax-efficient investing to assist clients in growing, protecting, and transferring wealth. Ali has held various roles in the financial services sector, including Investment Consultant at Fidelity Investments from 2024 to 2025, Sr. Premier Banker at Wells Fargo from 2022 to 2024, Financial Advisor at ADP Merrill Lynch from 2021 to 2022, and Relationship Manager at Bank of America from 2020 to 2021. He holds a California Insurance License and is proficient in Hindi, Punjabi, and Urdu. Outside of his professional duties, Ali engages in cooking and baking, enjoys outdoor adventures, and traveling.

Joseph Yapaola is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Ameriprise Financial Services, LLC and has prior experience with Wells Fargo Clearing and BancWest Investment Services. He serves on the Board of Directors for the Sequoia Hospital Foundation in Redwood City, CA. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research, third-party data, and investment options influenced by affiliated product ecosystems.

Muhammad Siddiqi is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at various Morgan Stanley affiliates since 2002, with a brief tenure at Glaze Capital Management. Outside of his advisory role, he serves as an executor for estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, leveraging structured planning tools and a broad range of investment services.

Nicholas Sexauer is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 credentials and having 13 years of industry experience. He has been with Charles Schwab since 2011 and Charles Schwab Bank SSB since 2014. 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 operates with a primarily non-discretionary client relationship model, offering multi-asset model portfolios alongside discretionary separately managed accounts managed by an affiliate, Charles Schwab Investment Management.

Allison Lee is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and previously worked at Optimlaize Inc and Americans For Cures. Morgan Stanley Wealth Management is a large SEC-registered advisor and broker-dealer providing a wide array of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Joenah Norasing is a financial advisor at Morgan Stanley with seven years of industry experience. Prior to joining Morgan Stanley Smith Barney in 2026, Joenah worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A. for eight years. Outside of finance, Joenah has experience as a business owner, having operated Glow Nailbar LLC from 2016 to 2018. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers structured planning tools alongside investment advisory and brokerage services.

Troy Kenyon is a financial advisor at Charles Schwab with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, SSB since 2018 and Charles Schwab & Co., Inc. since 2017. Prior to Schwab, he was employed at Roncancio Wealth Management for one year and worked at Arizona State University for four years. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Lisa Hughes serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience providing personalized wealth management services and strategies to a dynamic and accomplished group of clients. Lisa collaborates with a highly skilled professional team to address the long-term challenges and daily demands of substantial wealth. Her approach involves developing a deep understanding of clients' values and priorities before addressing investment needs. Lisa focuses on diversified portfolio development, alternative investments, and money manager selections. She addresses concentrated stock issues, liquidity creation, hedging, and risk reduction. Additionally, she helps clients explore estate planning techniques by coordinating with their outside advisors. Her client focus areas include college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and tax minimization. Lisa holds a bachelor's degree in economics from the University of California at Berkeley. She has earned professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her personal interests include gardening, hiking, painting, and yoga.