Yu Hong Tan is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2024, Tan worked at Charles Schwab and Charles Schwab Bank from 2022 to 2024 and has earlier experience in the hospitality sector. Outside of advising, Tan is a co-owner of a family rental property in Sacramento. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth clients, and institutions.

Te Hsin Yuan is a financial advisor with Charles Schwab in Fremont, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2013. 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 investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a comprehensive alternative investments platform.

Vivek Thoppay is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Thoppay Team, serving a select group of executives, entrepreneurs, business owners, and multi-generational families. Since starting his career at Merrill Lynch in 2002, Vivek has built a team emphasizing intellectual rigor, thoughtful customization, and committed service to address the complex financial needs of his clients. Vivek advises clients on a variety of areas including management of concentrated stock, liquidity events, estate planning, tax minimization, retirement income, and philanthropy. His approach includes coordinating with clients' CPAs, attorneys, and other professional advisors to ensure a comprehensive financial strategy. He holds multiple professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Vivek earned bachelor's and master's degrees from the University of Virginia, University of Houston System, and Santa Clara University. He resides in Saratoga, California, with his wife and two sons.

David Marroquin is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, New York Life, and AT&T. Outside of his advisory role, he works part-time as a driver consultant for Uber 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, and institutional investors.

Mark Hansen is a financial advisor with OSAIC in San Jose, CA, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has previously worked at Securities America Advisors, Inc., KMS Financial Services, Inc., and National Planning Corporation. Hansen joined OSAIC in 2024. OSAIC serves a diverse client base including retail and institutional investors such as high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Sandra Kopanos is a financial advisor with UBS Financial Services, holding a Series 66 designation and 16 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining UBS in 2022. Outside of her advisory role, she consults on alternative energy usage and serves as a notary public in San Jose, CA. 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 fee-based financial planning, discretionary portfolio management, and a range of capital markets services supported by proprietary research and model-based asset allocations.

James Park is a financial advisor at Edward Jones with one year of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Edward Jones, Mr. Park held various roles in mortgage lending and banking institutions including Loan Factory Inc., Ameritrust Mortgage Corporation, and JPMorgan Chase Bank. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a wide range of account types. The firm manages over $1 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jason Styczynski is a financial advisor with Ameriprise in Morgan Hill, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, he serves as Chair of the Investment Committee at Notre Dame San Jose High School, overseeing the stewardship of the school’s investments. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. As a large institutional firm, it provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Laura Grant is a Financial Consultant at Fidelity Investments, a position she has held since 2023. She has been with Fidelity Investments since 2015, serving in various roles including Planning Consultant, Relationship Manager, and Financial Representative. Laura focuses on wealth planning and collaborates with clients to develop customized financial plans tailored to their individual needs. She holds a California Insurance License, supporting her expertise in financial services. Outside of her professional work, Laura enjoys cooking and baking, fitness, music, spending time with pets, running, and traveling.

Sheela Sukhdeo is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2021. She has been with Fidelity Investments since 2013, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. As a Certified Financial Planner (CFP), she focuses on wealth planning and maintaining a high level of integrity, compassion, and competence for her clients. Her experience spans various aspects of financial consulting, where she stays current with relevant knowledge and strategies to support her clients' financial futures. She holds a California Insurance License, further supporting her expertise in the field. Outside of her professional work, Sheela has personal interests in art, family activities, fitness, food, social events with friends, and tennis.

Megan Lui is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background in consulting and the technology industry to provide comprehensive financial planning and investment consulting services. Megan specializes in working with clients in the technology and healthcare sectors, as well as social media influencers and entrepreneurs, helping them navigate wealth accumulation and long-term financial strategies. Megan holds a Bachelor's Degree from the University of Michigan and has earned the Personal Investment Advisor (PIA) designation. Her focus areas include college education planning, family wealth management, legacy planning, LGBT wealth planning, liquidity management, and portfolio management services. She is committed to building meaningful client relationships and creating personalized financial strategies that align with individual goals and priorities. Outside of her professional role, Megan has various personal interests including boxing, drawing/sketching, gardening, hiking, music, photography, pottery, running, traveling, and volleyball.

Lan Xiao is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and 65 credentials and three years of industry experience. Prior to joining LPL Financial, Lan worked at Cetera Investment Services LLC and East West Bank. Lan is also involved with General Mortgage Capital Corporation and operates a non-variable insurance business. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a broad range of financial planning and advisory programs alongside brokerage services.

Luis Figueroa Ojeda is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and previously held roles at Bank of America and other firms. Outside of his advisory work, Ojeda is involved with Carenet Services, Inc., a company that supports families with members who have mental and physical disabilities, where he assists in caregiving duties. Merrill 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 plans, corporations, and charitable organizations.

Timothy Mosley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that focus on clients' long-term financial objectives. His approach centers on goals-based wealth management, aiming to develop disciplined portfolio asset allocations tailored to individual client goals rather than benchmark performance. With over 20 years of experience prior to joining Merrill in 2008, Timothy has a background in marketing, business development, and management consulting in Silicon Valley's high-tech sector. His expertise includes retirement income planning, portfolio and investment management, wealth building strategies, trust and estate planning services through Bank of America Private Bank, and asset-based lending strategies. He holds multiple professional designations such as Chartered Alternative Investment Analyst (CAIA), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Timothy earned master's degrees from Santa Clara University and San Jose State University, as well as a bachelor's degree from Santa Clara University. A Bay Area native, he lives in San Jose with his wife and three children. He is involved with the Greater Opportunities community organization and has personal interests in basketball, football, golfing, World War II history, reading, and traveling with his family.

Mitchell Fulton is a Financial Advisor with Merrill Lynch Wealth Management, based in the San Jose, California office. With over 12 years of experience in the Financial Services industry, he specializes in providing wealth management and investment guidance to small business owners, corporate executives, high-net-worth individuals, and their families. Mitchell focuses on creating customized financial strategies tailored to meet clients' short and long-term goals, offering access to investment insights from Merrill and banking solutions from Bank of America. He emphasizes understanding clients' full financial picture and priorities to develop personalized plans that consider liability-driven investing, asset allocation, tax efficiency, risk tolerance, income expectations, and liquidity needs. His expertise spans portfolio management services, retirement income planning, education planning, family wealth management, liquidity management, and managing new wealth. Mitchell holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He earned his education at Santa Clara University. Committed to community involvement, he participates in the Rotary Club of San Jose and the Men's Club at St. Frances Cabrini. Outside of his professional life, he enjoys adventure sports, basketball, football, music, painting, reading, soccer, spending time with family, swimming, and traveling.

Michelle La is a Financial Consultant at Fidelity Investments, a position she has held since 2020. She works closely with clients to provide personal attention and assist in planning, growing, and maintaining their wealth by leveraging Fidelity's trusted brand, advanced technology, and investment platform. Prior to her current role, Michelle held positions at TD Ameritrade, including Senior Financial Consultant and Financial Consultant during 2019 and 2020, as well as Business Development Specialist from 2018 to 2019. Her experience encompasses client relationship management and financial consulting. Michelle holds insurance licenses in Arkansas and California.

Troy Lui is a Financial Advisor at Merrill Lynch Wealth Management. He transitioned into wealth management after several years in the technology industry, drawing on his personal experience to guide clients in proactive financial planning. Troy focuses on helping professionals, particularly those in fast-paced industries, as well as families considering important life decisions and fostering financial confidence for future generations. His areas of expertise include education planning, employee benefits planning, equity compensation services, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income. Troy holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of California Davis. Outside of his professional work, Troy enjoys spending time with his family, gardening, basketball, cooking, interior decorating, music, pickleball, singing, skiing, and traveling.

Jeffrey Arburn is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services and Whitehall-Parker Securities. He is also the owner of an LLC engaged in selling life insurance and long-term care products. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a variety of portfolio management tools and access to third-party money managers.

Paula Ferreira Soares is a CFP® with three years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Edward Jones and a period working at the University of Hawaii. She previously operated Dezign With a Z for seven years. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by extensive research and technology.

Mengning Zhou is a financial advisor with Mass Mutual Investors Services in San Jose, CA. She holds the ChFC® designation and has 10 years of industry experience, including tenure at MassMutual Life Insurance Co. Since 2024, she has also worked as a mortgage loan originator with General Mortgage Capitol Corp., originating loans and offering rates to clients. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations through structured, collaborative engagements using firm-approved analytical tools.