Teresa Wong is a financial advisor at LPL Financial with 28 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Aryika Singh is a Planning Consultant at Fidelity Investments. She focuses on creating tailored engagement strategies through active listening to align with her clients' unique goals and values. Aryika adapts her communication styles and meeting frequency to help clients translate complex financial choices into clear, actionable steps, fostering structured roadmaps and building high-trust partnerships. Aryika has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. She holds a California Insurance License. Outside of her professional work, Aryika enjoys family activities, fitness, outdoor adventures, spending time with pets, reading, and running.

Techen Hwang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has been with J.P. Morgan Securities since 2013 and also has experience with JPMorgan Chase Bank, N.A. dating back to 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Derek Cushman is a financial advisor at Morgan Stanley with a Series 66 credential and three years of industry experience. His prior roles include positions at Oppenheimer and Archer Huntley Financial Services Inc. He has also worked in financial aid and various other industries, including a five-year tenure at DoorDash. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Taryn Horne is a Series 66-licensed financial advisor with Morgan Stanley in Walnut Creek, CA, bringing 20 years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Pouneh Lomboy is a Series 66-licensed financial advisor with Merrill, based in Concord, CA, with 14 years of industry experience. She has been with Merrill since 2013. Lomboy has indirect involvement in two privately owned businesses related to real estate and fitness, both operated by her husband. 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 a range of client types including individuals, high-net-worth clients, and charitable organizations.

John Banker is a financial advisor at Morgan Stanley based in Dublin, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its financial planning process.

Wenxin Yu is a financial advisor at Morgan Stanley with 16 years of industry experience and holds a Series 66 designation. Yu has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a range of retail and institutional investment solutions.

Connor Merrigan is a CFP® professional with seven years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior experience at Summit Financial Group and Securian Financial Services Inc. Merrigan also worked at San Jose State University and Recreational Equipment Inc. early in his career. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Clement Wong is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2010. Outside of his advisory role, he serves as treasurer and board member for a charity/private foundation based in Brooklyn, NY. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm‑approved tools, offering a broad range of investment and planning solutions.

John Wackowski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of advisory work, he co-owns a rental property in Lafayette, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Cody Rasmussen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at Jhfn Sii before joining OSAIC in 2018. Rasmussen serves as a Major in the United States Military Reserves, performing duties as an Operations Officer for an Emergency Operations Cell. He is also involved as a managing associate in a sole proprietorship insurance brokerage specializing in life, annuities, disability, and long-term care insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm integrates brokerage and advisory services with financial planning, retirement consulting, and access to third-party money managers, utilizing a variety of asset-allocation tools and investment options to construct portfolios tailored to client needs.

Timothy Argyres is a CFP® professional with 25 years of experience in the financial services industry. He is currently with J.P. Morgan Securities and has previously worked at First Republic Investment Management and Bank of America, among other firms. Outside of his advisory role, he serves as a committee member for Wolfpack Basketball NorCal, a charitable organization focused on youth basketball, where he assists with financial oversight and budgeting. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Aura Scurtu is a Financial Consultant currently working at Fidelity Investments since 2022. In her role, she focuses on understanding her clients' financial goals and developing comprehensive financial plans with strategies aimed at helping them achieve those objectives. Prior to her current position, she was a Financial Solutions Advisor at Merrill from 2018 to 2022. She holds a California Insurance License, which supports her work in providing financial and insurance solutions to her clients. Outside of her professional career, Aura has interests in art, family activities, fitness, hiking, music, and parenthood.

Ning Guo is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading The Kang Group, a Houston-based team focused on serving business owners, entrepreneurs, and families with wealth connected to operating businesses, liquidity events, and long-term planning. He specializes in business sales, tax-aware strategies, and coordination of trust and estate planning, particularly addressing the intersection of family, business, and cross-border considerations. Ning also provides culturally informed guidance to first-generation families managing significant wealth decisions. With over 15 years of experience in Fortune 500 companies prior to joining Merrill Lynch, Ning brings a multifaceted perspective to complex financial planning. He holds a Bachelor’s degree in Computer Engineering from Texas A&M University and an MBA from the University of Houston-Victoria. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ning is active in the community, having served six years on the board of the Asian Chamber of Commerce and holding leadership roles with the Riverstone Home Owner Association and Sunrise Youth Soccer Club. He is fluent in Chinese, English, and Mandarin and resides in Houston with his family. Outside of his professional work, Ning’s personal interests include golfing, reading, soccer, table tennis, traveling, and watching movies.

Yash Talreja is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists clients in managing their financial goals and aspirations, focusing on both asset and liability management to help preserve and grow wealth. His expertise encompasses financial and retirement planning, executive compensation, RSUs, college planning, small business strategies, corporate cash management, and tax-aware investments. Additionally, Yash supports clients interested in impact investing, helping them use their investments to promote social and environmental progress and equality while seeking competitive returns. He also guides qualified clients in selecting suitable alternative investments, including private real estate, private equity, and private credit through Merrill's platform. Prior to joining Merrill, Yash was a Financial Advisor at Morgan Stanley Wealth Management and has experience in the technology sector with roles at Amazon, Oracle, and PeopleSoft. He holds a bachelor's degree from the Indian Institute of Technology Delhi and a master's degree in computer engineering from the University of California, Davis. He has completed non-accredited certificate programs at the Massachusetts Institute of Technology and the University of Chicago. Yash holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Yash is involved with professional and community organizations including Sukarma, Asian Leadership Network, IIT Bay Area Alumni Association, and the Thyroid Cancer Survivor Association. He lives in Fremont with his wife and two daughters.

David Garcia is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo in various roles since 2012. 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 from Wells Fargo Investment Institute and third-party sources.

Marc Steinberg is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has worked in the financial services industry since 2008, with previous roles including Senior Financial Consultant at TD Ameritrade from 2011 to 2018, Financial Solutions Advisor at Merrill Lynch from 2010 to 2011, and Client Sales Officer, Licensed (Trader) at US Trust, Bank of America Private Wealth Management from 2008 to 2010. Marc holds a California Insurance License. He approaches his work with professionalism, transparency, and care, aiming to build trust and deliver value to clients through comprehensive financial planning and personalized service.

Thomas O'Neill is a financial advisor at OSAIC with 15 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors from 2009 to 2025. Outside of advisory services, he is also an insurance agent offering accident/health insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage, investment advisory services, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes for discretionary or non-discretionary management.

Eric Cline is a financial advisor with Morgan Stanley in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment services alongside its financial planning capabilities.