Barbara Erickson is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Investments and Banc of America Investment Services. Erickson serves on the investment committee of the Grace Lutheran Church Endowment in Palo Alto. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Samuel Lacy is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Donnie Ayers LLC and earlier stints at Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools, serving clients primarily in an advisory capacity without individual security recommendations.

Andrew Andrikopoulos is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Ameriprise since 2011. Outside of his advisory role, he is a co-owner of Andrikopoulos Chiochios Accountants LLP, a tax preparation business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Mei Cheung is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior roles include positions at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A., where she worked for eight years, as well as BancWest Investment Services, Inc. and BMO Bank NA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jaz Lail is a Financial Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Jaz served as a Planning Consultant at Fidelity Investments from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Financial Representative from 2021 to 2023. Jaz focuses on holistic planning, aiming to empower individuals and families to work towards their financial well-being by integrating financial expertise with an understanding of clients' values and aspirations. Jaz holds a California Insurance License, supporting their professional capabilities in financial consulting. Outside of work, Jaz has interests in cars, concerts, fitness, outdoor adventures, pets, and snowboarding.

Davinder Gupta is a financial advisor with Edward Jones in Los Altos, CA, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Edward Jones, he held positions at Prudential Insurance Company of America, Woven By Toyota, Roche, and Adobe Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth and pension plans. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Lewis is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and four years of industry experience. He has been with Mass Mutual Investors Services since 2020 and has over a decade of experience with MassMutual Life Insurance Company and EVCO Insurance Services Inc., where he also works as a sales agent specializing in individual and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, educational seminars, and specialized services including divorce planning, estate settlement, and employer-sponsored programs.

Dante Collins is a Series 66-credentialed financial advisor with six years of industry experience, currently working at Morgan Stanley in Menlo Park, CA. He has been with Morgan Stanley Smith Barney LLC since 2020 and Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory role, Collins has been involved with organizations focused on mental health and developmental disabilities, including YAI CA START and Autism Living Leisure Education and Nurturing. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning methodologies and offers a variety of investment and advisory solutions across retail and institutional sectors.

Mark Beach is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory work, he is the owner of a for-profit business focused on rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Zulema Morales Sandoval is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Her prior roles include positions at JPMorgan Chase & Co. and Red Envelope Financial Planning, Inc. She has also spent several years engaged in full-time education. 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 and discretionary investment management supported by a large-scale, integrated operational platform.

Dino Marraccini is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with three years of industry experience. His prior work includes roles at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill Lynch, and earlier positions in retail and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Rashell Miszanczuk is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 10 years of industry experience, including prior roles at Morgan Stanley and UBS Financial Services. She is currently based in Castro Valley, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Ernest Guzman Jr. is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various Morgan Stanley entities since 1998, including Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning that utilizes structured discovery and advanced modeling tools.

Michael Malouf is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Charles Schwab Bank, Fit Local Fit, and Cheese Boutique. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Joshua Inahara is a financial advisor at UBS Financial Services in Palo Alto, California, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Avanti Sports and as a staff member at the University of Washington and The American School in Japan. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and access to a broad range of capital markets and research resources.

David Sanepour is a financial advisor with LPL Enterprise who holds a Series 66 designation and has one year of industry experience. His prior roles include five years with World Financial Group and four years at Berkshire Hathaway HomeServices California Properties. He also teaches investment-related courses at Pasadena City College. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Tennyson Zhu is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities, and he has also worked at Merrill Lynch and Marsh & McLennan Insurance Agency. Zhu has been involved with the Youth Men's Christian Association (YMCA), reflecting engagement outside the financial sector. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, while offering both retail and institutional investment options.

Hana Cuartelon is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, she worked at Fremont Bank from 2019 to 2025 and has experience in the home health and banking sectors. She also serves as a notary at Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of representatives. The firm offers a range of investment programs and institutional platforms, utilizing various strategies including model portfolios and third-party management.

Michael Hollen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory role, he is a non-manager member of Three Mutts LLC, a property management business based in Salt Lake City. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning for individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using approved tools and analytics but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Yuying Lei is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, HSBC Securities (USA) Inc., and Cathay Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.