Mark Gillelen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 37 years of industry experience. His prior work includes roles at First Allied Advisory Services, Morgan Stanley, and Banc of America Investment Services. He serves as President of The Eva and John Ross Foundation, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and asset management options and supports its advisors with advanced research and operational tools.

Estanislao Saenz is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in guiding families and entrepreneurs through critical financial transitions, including employment changes, retirement, business protection, expansion, and sales. Estanislao and her team develop tailored wealth management strategies aimed at enhancing growth and promoting financial security, with a focus on client-centered service. Her areas of expertise include family wealth management, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Estanislao holds a Bachelor's Degree from New Mexico State University and maintains the Personal Investment Advisor (PIA) designation. She communicates fluently in both Spanish and English. As a naturalized immigrant and a mother of two, Estanislao emphasizes the importance of being present and prepared, striving to provide her clients with confidence and trustworthy guidance during life’s financial challenges. In her personal time, she enjoys running, traveling, and spending time with her family.

Peter Morris is a financial advisor at Osaic Wealth, Inc. He holds Series 63 and Series 65 licenses and has 48 years of industry experience. Prior to joining Osaic in 2025, he worked for 47 years at Lincoln Financial Advisors Corporation. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports discretionary and non-discretionary account management.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Jeffrey Chun is a financial advisor with Osaic Wealth, Inc. based in San Mateo, CA. He holds Series 63 and Series 66 credentials and has 26 years of industry experience, including 24 years at Lincoln Financial Advisors prior to joining Osaic in 2025. In addition to his advisory role, he is licensed as an insurance agent offering accident and health, disability insurance, fixed and indexed annuities, health savings accounts, long-term care insurance, and traditional insurance. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a large network of advisers and employs a range of asset-allocation tools, efficient-frontier analysis, and automated rebalancing to construct portfolios spanning multiple asset classes.

Kevin Wolfe is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 66 designation and with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and structured processes without providing individual security recommendations as part of standalone financial planning.

Michael Wang is a CFA® charterholder and holds a Series 66 license, with six years of industry experience. He has worked at Morgan Stanley and its Private Bank affiliate since 2020, following roles at ForeGrowth Inc., Royal Bank of Canada, and China Construction Bank (Canada). He serves as a board member for New Horizon Career Club, a nonprofit organization based in Toronto. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jimmy Tran is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for 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 non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Sally Hershey is a CFP®-certified financial advisor with Cambridge Investment Research Advisors, based in San Francisco, CA. She has 35 years of industry experience and has been with Cambridge since 2016. In addition to her advisory work, she has experience as an independent insurance agent and a tax preparer. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Alice Chen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 24 years of industry experience. She has previously worked at Merrill, JP Morgan Securities, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Jeffrey Chen is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques.

Gregory Quinlan is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and 37 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and was previously with Citigroup Global Markets from 1999 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-reviewed tools and global investment estimates.

Irene Cho is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She has held roles at Wells Fargo Advisors LLC, Morgan Stanley Private Bank, N.A., and Wells Fargo Clearing. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stuart Epstein is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Morgan Stanley Private Bank since 2017, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Based in Menlo Park, CA, Epstein has a long history in wealth management across major firms. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Brendan Carlyle is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at the County of Santa Clara, The Home Depot, and Target. He also has an academic background from Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client plans.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

Jim Lucas is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of the West and HSBC Securities (USA), Inc. Outside of his advisory role, he is the sole owner of a real estate LLC. 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. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Benjamin Yohanan Jr. is a financial advisor at OSAIC with over 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc. and Hatch Retirement Services. Yohanan is also the owner of Ben Yohanan Annuity & Insurance Agency, Inc. and serves as a board member of the Baywood Place Homeowners Association. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary account management.

Jacqueline Kwong is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2017, following a decade at Ameriprise Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning that uses firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Brian Bechelli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and J.P. Morgan Securities and Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.