Xinmin Liu is a financial advisor with Cambridge Investment Research Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Liu has worked with Cambridge Investment Research Advisors since 2010 and previously spent five years at Mass Mutual Investors Services. Outside of advisory work, Liu serves as COO of Aqua Electronics Co Ltd, an international trade company. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies.

Joshua Sheng is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at Northwestern Mutual and Fulcrum Environmental Resources, and he has been self-employed in an education-related business since 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Sandra Kim Her is a financial advisor at Merrill with seven years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Sandra is based in San Jose, CA. 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 model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

Jeffrey Phillips is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and with 30 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.

Royce Stewart is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior roles include positions at Sagepoint Financial, OSAIC Services, Sunamerica Securities, and Merrill. He has held outside employment roles at Verizon Enterprise Solutions and serves as a director at Armanino LLP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions with a range of advisory and brokerage services. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of investment adviser representatives through advanced operational tools while overseeing substantial discretionary assets.

Meenakshi Saxena is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 21 years of industry experience, including over two decades with Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Steven Duffy is a financial advisor at Edward Jones with 33 years of industry experience. He has been with Edward Jones since 1992 and holds Series 63 and Series 66 designations. Outside of his advisory role, he serves on the Lay Pension Board, Investment Committee, and Finance Council for the Diocese of San Jose, overseeing and reviewing the management of their investment pool. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm operates a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs, tax-efficient services, and affiliated investment products under a fiduciary standard.

Noelle Owens is a financial advisor at Fidelity with 18 years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Ameriprise Financial Services and multiple positions within Fidelity since 2017. She works with Strategic Advisers LLC, a Fidelity Investments company that provides a range of investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and fund advisory services.

George Lu is a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he collaborates with clients to understand their current financial situations and introduce suitable solutions offered through Merrill and Bank of America. His focus is on empowering clients with knowledge and tools to manage their financial lives effectively. George holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a bachelor's degree from Santa Clara University. He approaches his work with a philosophy centered on uncovering what matters to clients and their families in order to create strategies that pursue their financial goals.

Karim Nalbandy is a financial advisor with Charles Schwab, holding a Series 66 designation and 15 years of industry experience. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2012. 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 backed by centralized custody and operational support.

Todd Duncan is a CFA® charterholder and holds a Series 66 license, with three years of industry experience. He is currently with J.P. Morgan Securities in Palo Alto, CA, and has prior experience at firms including First Republic Securities Company, Wells Fargo, and Enterprise Trust and Investment Company. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, supported by affiliates that provide implementation and portfolio services.

Angelo San Mateo is a CFP® with 10 years of industry experience, currently advising at Charles Schwab. His prior work includes roles at JP Morgan Chase Bank and TD Ameritrade Investment Management. He holds Series 63 and Series 66 licenses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary advisory and discretionary separately managed accounts. The firm combines integrated brokerage, custody, and advisory services with a multi-asset investment approach and access to alternative investments.

Matthew Hagen is a financial advisor at Fisher Investments with 19 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2006. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

Zhou Chen is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. He has been with Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by the Global Investment Committee’s analyses.

Jacinda Rabine is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to her current role, she held various positions including work at Bistro 234 and Milc Group, as well as experience with California Polytechnic State University. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment process.

Haotian Xie is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2022. Prior to his financial services career, he was affiliated with Plug and Play Tech Center and held roles associated with Hult International Business School, Columbia University, and the University of California, San Diego. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services through a large network of financial advisors.

Emily Tran is a Series 66-licensed financial advisor with Merrill in San Mateo, CA, with eight years of industry experience. She has been with Merrill since 2017 and also works at Bank of America, N.A. since 2021. Prior to her advisory career, she was affiliated with New York University from 2013 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 investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Genesis Renteria is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, she works closely with clients to create personalized investment strategies designed to pursue their financial goals. She provides investment advice and access to banking and lending services through Bank of America. With expertise in general investing, retirement planning, and preparing for unforeseen financial needs, Genesis takes the time to understand what matters most to her clients. She focuses on developing tailored strategies by uncovering the priorities and goals of individuals and families. Genesis holds a Bachelor's Degree from California State University of Dominguez Hills. She also maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Stephan Garate is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Before joining Morgan Stanley, he worked at Equitable Advisors, LLC, and held various roles outside the financial sector, including positions at Baron Construction, Central Coast Surfboards, and A-Town Diner. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services that include integrated planning and investment solutions.

Harsh Pradhan is Vice President and Financial Consultant at Fidelity Investments, where he has been employed since 2006. He has over 19 years of experience at Fidelity, focusing on serving clients by leveraging the company's resources to develop and implement wealth planning strategies. Prior to his current role, Harsh worked as a Financial Consultant at Charles Schwab & Co., Inc from 1998 to 2000 and at Dean Witter Reynolds Inc from 1995 to 1998. Harsh holds a California Insurance License, supporting his work in financial consulting and wealth management. He emphasizes building relationships with clients to understand their priorities and advocate effectively on their behalf. Outside of his professional responsibilities, Harsh enjoys family activities, gardening, hiking, and traveling.