Sean Layton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing in-depth, individualized financial advice aimed at helping clients make informed investment decisions. His focus areas include executive compensation, legacy planning, portfolio management services, and retirement income. Sean is committed to acting with honesty and integrity, delivering premier customer service and extensive financial resources to assist clients in reaching their personal and financial goals. Sean holds a Bachelor of Science in Business with a double concentration in marketing and entrepreneurship from California State University, Monterey Bay. During his time at CSUMB, he was recognized as a business leader and received the school’s capstone award. Prior to his current role, Sean worked at BuildingWise, LLC, where he provided customized green building solutions with a focus on LEED-EB certifications in the San Francisco Bay area. He applies a sustainable and renewable approach to his wealth management practice. Outside of work, Sean enjoys outdoor activities including rock climbing and golfing. He embraces the Merrill tradition of community involvement and volunteers with local organizations. Sean holds the Professional Investment Advisor (PIA) designation.

Philip Moffatt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Texas Methodist Foundation, National United Bank, and Southwestern University. 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 tailored financial planning, utilizing structured discovery and firm-approved tools to develop client plans.

Erick Milanco is a financial advisor with Primerica Advisors in Fremont, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. He has been with Primerica Advisors since 2017 and also worked at Raymond Handling Concepts Corp from 2015 to 2020. Outside of his advisory role, Milanco owns Prime Lift Tires, LLC, a forklift repair and service business, and works as a delivery driver for Amazon Flex and DoorDash. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model‑delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure, with trading and execution services delegated to BNY Mellon Advisors and Pershing.

Richard Diregolo II is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and 18 years of industry experience. Prior to joining LPL Financial in 2020, he worked with Securian Financial Services, SGC Financial & Insurance Services, and Minnesota Life Insurance Company over a 13-year period. LPL Financial is an SEC-registered adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by research, model portfolios, and various management strategies.

Steven Moone is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to his finance career, he was involved with Flow Studios from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with broker-dealer and investment adviser registrations.

David Jones III is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is a large 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 that use firm-approved tools and models to support client investment decisions.

Larry Ngai is a financial advisor with Wells Fargo Clearing in Redwood City, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at CitiGroup for 11 years before joining Wells Fargo Clearing in 2024. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Shirley Chen is a financial advisor at UBS Financial Services with 21 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for 13 years before joining UBS in 2022. Outside of her advisory role, she is a partner in a healthcare consulting business that supports her husband’s medical consulting practice. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial strategies. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services and fee-based planning.

Serena Truong is a financial advisor with Morgan Stanley in Palo Alto, California, holding a Series 66 designation and five years of industry experience. She has been with Morgan Stanley since 2019 and previously worked at Pantheon Wealth Planning from 2017 to 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Naushaba Rashid is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and rooted in modern portfolio theory, with an emphasis on fiduciary responsibility and a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Dana Ruusinen is a financial advisor at Morgan Stanley with 13 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2012 and worked at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Ruusinen serves on the Strong Schools Bond Citizens' Oversight Committee for the Palo Alto Unified School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals 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 in its financial planning process.

Xiaolu Yan is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. Yan has worked at Morgan Stanley and affiliated entities since 2013, with additional experience at East West Bank and Cetera Investment Services. Outside of advisory activities, Yan is involved in managing a rental property in Brooklyn, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory and financial planning services supported by firm-approved tools and insights from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers diversified investment programs, including corporate financial planning agreements.

Holly Stowell is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm-approved tools, providing advisory services without individual security recommendations in standalone plans.

Emily Kuang is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is a sole proprietor of a rental property business in San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Praveena Nand is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ivana Block is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill and its parent company, Bank of America N.A., since 2014. Outside of her advisory role, Ivana is a co-owner of a family rental property business. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Diana Chan is a CFP® professional with 34 years of industry experience, currently affiliated with Osaic. She spent 32 years with Woodbury Financial Services before joining Osaic in 2024. In addition to her advisory role, she holds licenses to sell fixed insurance products and fixed indexed annuities. Osaic serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Anthony Valle is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Brian Higashi is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Ellen Sheldon is a Series 66-licensed financial advisor with six years of industry experience, currently with J.P. Morgan Securities. Her prior roles include positions at Bank of America, Merrill, and Securian Financial Services. Outside of finance, she is involved in a family propane business, Keene Propane Corporation, which she co-owns with her siblings. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.