Xinqing Lai is a financial advisor with LPL Financial in Union City, CA, holding Series 65 and Series 63 licenses and 11 years of industry experience. Prior to joining LPL Financial and BMO Harris Bank in 2025, Lai worked at HSBC Securities and HSBC Bank USA for nine years. Outside of advisory work, Lai has involvement in real estate rental activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management and research-supported model portfolios.

Floriberta Sario Perez is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with two years of industry experience. Her prior roles include positions at Good Sports Inc. and Altimeter Capital. She has also been involved in academic and student success initiatives at San Jose State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory services supported by a structured planning process and firm-approved tools.

Jason Swanson is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior experience includes roles at Morgan Stanley, Palfish, Fun Language International (Bangkok) Ltd, and Entree Express, LLP. Outside of his advisory work, he also works as a driver for Uber Technologies, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from a broad investable universe. The firm engages in discretionary and non-discretionary advisory services, including oversight of sub-advisers and application of algorithmic portfolio construction methods.

Stacy Blair is a financial advisor at Edward Jones in Burlingame, CA, with seven years at the firm and two years of industry experience. Prior to joining Edward Jones, she worked for Fairfax County Public Schools and spent time as a homemaker. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management.

Minjoo Lee is a financial advisor at Cetera with 14 years of industry experience. She holds the PFS™ designation and securities licenses Series 63 and Series 65. Lee has previously worked at Avantax Insurance Services and Son & Associates, and she operates Minjoo Lee CPA, providing accounting, bookkeeping, tax preparation, payroll services, and insurance assistance. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

William Maung is a financial advisor with Morgan Stanley Wealth Management in Menlo Park, CA. He holds a Series 66 designation and has two years of industry experience. Prior to joining Morgan Stanley in 2025, he held roles at JP Morgan Chase Bank, J.P. Morgan Securities, and First Republic Investment Management. Maung also served in the US Navy from 2012 to 2017. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Hashini Jayasekara Sa is a financial advisor at Morgan Stanley with six years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at Fidelity Investments, JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its planning process.

Victor Mandella is a financial advisor with Cetera, holding CFP® and PFS™ designations and over 28 years of industry experience. He has worked at several firms, including Avantax and 1st Global, and is an officer at Moon & Mandella Accountancy Corporation, a CPA firm. Additionally, he serves as a mortgage broker associate and is involved in managing his own real estate investments. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and planning services through a multi-manager platform, providing access to affiliated and third-party managers with both discretionary and non-discretionary program options.

Monique Garduno is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and two years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, N.A. and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Brian Thorbrogger is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual 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 employs a structured planning process utilizing firm-approved tools and market models.

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.

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 at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. 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, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Ashna Sharma is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley, she worked at Wells Fargo Bank for eight years. Outside of her advisory role, she provides home health care services through California’s In-Home Supportive Services Program. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

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.

Thomas Boesch is a financial advisor with Fidelity Investments, holding Series 63, Series 65, and Series 66 credentials and possessing 38 years of industry experience. He has been with Fidelity Personal and Workplace Advisors since 2018 and has worked at Fidelity Investments since 1999. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, and it serves a broad client base with discretionary and non-discretionary advisory services, model portfolios, and fund advisory.

Joshua Yeager is a financial advisor at UBS Financial Services with four years of industry experience. He holds the Series 65 and Series 63 licenses. Prior to joining UBS in 2025, he worked at Scotia Capital (USA) Inc., Nomura Securities International, Inc., KPMG, and Duff & Phelps. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant operations and securities-backed lending programs.

Ryan Nguyen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at JPMorgan Chase & Co., Scharf Investments, LLC, and Fidelity Investments. He also has experience in education, having worked at Evergreen Valley College and Piedmont Hills High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.