Fulton Chang is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2012. Prior to that, he was employed by Wells Fargo Investments and Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Robert Tracy is a CFP® professional affiliated with LPL Financial, with 19 years of industry experience. His prior work includes roles at Lincoln Financial Securities, Massachusetts Mutual Life Insurance Company, Metlife Securities Inc., and New England Securities. Outside of his financial advising activities, he is a co-owner of a business that buys and sells sports cards and memorabilia. 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 variety of investment strategies and advisory services supported by extensive operational tools and manages over $819 billion in discretionary assets through a large network of advisors.

Jingyao Li is a financial advisor at Wells Fargo Clearing with three years of industry experience. Li holds the Series 66 designation and has previously worked at Bank of America and NatWest Bank, RBS Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 grounded in modern portfolio theory, with options for discretionary management and a range of investment vehicles including insurance-related products and bank deposit sweeps.

Katayun Razaghzadeh is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide array of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly to individuals and through Corporate Financial Planning agreements.

Kyle Foley is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and five years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2011 and joined J.P. Morgan Securities in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Yingzhi Xi is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and five years of industry experience. Prior to joining J.P. Morgan in 2020, Yingzhi held roles at Wells Fargo Bank and worked at the University of California and De Anza College. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, with an emphasis on eligible strategies and ESG considerations.

Sarah Mijts is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. Her career includes prior roles at Rockefeller Financial LLC, First Republic Securities Company, Morgan Stanley, and earlier positions within Wells Fargo affiliates. 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, employs more than 14,000 financial advisors, and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Spiridon Kabitsis is a financial advisor with Ameriprise in Belmont, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he provides notary services for legal documents related to Greece through his business Law-Tax in Greece Consulting Inc. and is involved in coaching other Ameriprise advisors. He is also co-owner of a hair salon operated by his wife. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement, focusing on clients with significant investable assets. The firm utilizes research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary retirement income recommendations, supported by a centralized consulting team.

Eddy Shum is a CFP® and PFS™ credentialed financial advisor with 38 years of industry experience. He is currently with LPL Financial in Burlingame, CA, joining the firm in 2025. Prior to this, he worked at Grove Point Investments and Grove Point Advisors from 2021 to 2025, H. Beck, Inc. from 2020 to 2021, and USA Financial Securities Corporation from 2010 to 2020. He also operates Peak Retirement, Inc. and EH Shum Financial Solutions, both established in 1999. 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 financial planning and investment management services, including access to model portfolios, third-party asset management, and institutional platforms.

Darrin Chow is a Financial Consultant currently working at Fidelity Investments since 2022. He has held various roles in the financial services industry, including Senior Financial Consultant at E*TRADE Securities, LLC from 2014 to 2022, Financial Advisor at BancWest Investment Services, Inc. from 2013 to 2014, Financial Solutions Advisor at Merrill Edge from 2011 to 2013, and Paraplanner at Ameriprise Financial Services, Inc. from 2010 to 2011. His approach involves co-creating customized financial strategies focused on long-term goals, emphasizing individual definitions of financial independence. Darrin holds a California Insurance License. Outside of work, Darrin engages in personal interests such as hiking, movies, music, reading, tennis, and traveling.

Tommy Romero Jr. is a financial advisor at Fisher Investments with 22 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2000. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process that integrates quantitative and qualitative research to construct diversified portfolios and manages risk through tax-aware strategies and defensive tactics.

Alexander Keeno is a financial advisor with Ameriprise in Santa Clara, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at First Republic Bank and Santa Clara University. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing retirement-income planning advice based on a written Recommendation Report, focusing on dependable income sources and tax-aware withdrawal strategies.

Robert Drier is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 35 years of industry experience. He has been with Cetera Advisors LLC since 2013 and joined Cetera in 2024. Outside of his advisory role, he is an insurance agent receiving commission trails from prior years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Jacklyn Tran is a financial advisor at Morgan Stanley with 10 years of industry experience. She has been with Morgan Stanley since 2015 and is currently associated with Morgan Stanley Private Bank, N.A. She holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Daniel Walsh is a Wealth Management Advisor at Merrill Lynch Wealth Management. He and his team provide customized advice and wealth management services for highly affluent families, focusing on concentrated stock issues, liquidity, hedging, risk reduction, diversified portfolio development, alternative investments, and money manager selection. Prior to joining Merrill Lynch, Daniel served seven years as a U.S. Naval Aviator and two years as an institutional equities trader. He earned a Bachelor of Arts degree in Architecture from the University of California-Berkeley and an MBA from Stanford University Graduate School of Business. He holds the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute and is a Personal Investment Advisor (PIA). Daniel is a U.S. Soccer Federation licensed referee and has served as Vice President of the San Carlos United Soccer Club. He enjoys biking, hiking, music, photography, reading, refereeing, scuba diving, skiing, soccer, and spending time with his family.

Justin Wright is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 credentials and 21 years of industry experience. He previously worked at Transamerica Financial Advisors, Inc. for five years and has been employed at Castlewood Country Club since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research and operational tools.

Luke Maura is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Deutsche Bank Securities Inc, The Benchmark Company, LLC, and Charles Schwab. 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 vehicles and bank deposit sweep options in their investment menus.

Yadira Luna is a Financial Consultant at Fidelity Investments, where she partners with clients to develop tailored financial plans that emphasize tax-efficient investing. She utilizes Fidelity's extensive resources alongside her experience to co-create personalized financial roadmaps aimed at supporting her clients' families' financial well-being and long-term goals. Yadira has over 15 years of experience in banking and investments, having held various roles including Planning Consultant at Fidelity Investments, Financial Advisor at Merrill Lynch, and Client Relationship Associate at American Century Investments. Her background also includes positions in sales, service management, and accounting within the financial sector. She holds a California Insurance License. Outside of her professional work, Yadira enjoys activities such as spending time at the beach and lake, camping, family activities, parenthood, and reading.

Nicholas Rogers is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at various Morgan Stanley entities since 2008, including Morgan Stanley Private Bank, National Association since 2015. 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 services supported by structured discovery conversations and firm-approved planning tools.

Veronique Hsu is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, she worked at Trader Joe's and held various roles at Temple University and other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.