Geoffrey Bernal is a financial advisor with Mass Mutual Investors Services in Redwood City, CA, holding Series 63 and Series 66 credentials and having 31 years of industry experience. His career includes roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative annual financial planning engagements and a range of programs including wrap and money-manager options, along with educational seminars.

Atop Inthamala is a Series 66-credentialed financial advisor with eight years of industry experience, currently serving clients at Morgan Stanley. Prior to joining Morgan Stanley in 2022, Inthamala worked for UBS Financial Services Inc. from 2016 to 2022 and has experience outside the financial industry through a role at Min Sok Chon, a Korean bar and restaurant. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm offers tailored financial planning and a range of investment programs, utilizing structured planning tools and market modeling techniques.

Lauren Gray is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides goals-based wealth management services to affluent families, accomplished professionals, and successful business owners. Alongside a team of specialists, she offers advice and guidance based on clients' goals and priorities, focusing on the investor at the center of financial strategies. Her expertise encompasses areas such as college education planning, executive compensation, equity compensation services, family wealth management strategies, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income. Lauren utilizes a comprehensive approach that begins with defining and prioritizing financial goals across health, home, family, leisure, giving, work, and finance. Lauren holds a Bachelor's Degree from San Jose State University and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is a member of professional organizations such as CREWSV and NAWBO, and participates in community involvement with the Silicon Valley Humane Society and Soroptimist International of Santa Clara Silicon Valley. Outside of her professional work, Lauren enjoys biking, scuba diving, spending time with her family, traveling, and practicing yoga.

Michael Lam is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. His work history includes multiple tenures at Morgan Stanley and UBS Financial Services. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range 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 through both direct client relationships and corporate financial planning agreements.

Hugh Wong is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 65 and Series 63 licenses and bringing 17 years of industry experience. Before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2021, he worked at WealthSetter and South Bay Advisors, LLC. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s services are offered on a non-discretionary basis, with clients retaining final decision-making authority.

Nick Simon is a Financial Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he serves as an advocate for clients to ensure their financial plans are personalized to support their individual goals. Prior to his current position, Nick worked as an Investment Consultant at Fidelity Investments from 2022 to 2024, and briefly as a Relationship Manager at the same firm in 2022. He also has experience as a Financial Solutions Advisor at Merrill Lynch from 2021 to 2022 and as a Financial Advisor at Merrill Lynch from 2019 to 2021. Nick holds a California Insurance License.

Keng Sheng Wen is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 13 years of industry experience. He has been with Morgan Stanley since 2013. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Joseph Nguyen is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Fidelity Investments, Morgan Stanley, and E*TRADE Capital Management. Outside of his advisory roles, he was involved with Twilite Productions from 2010 to 2018. 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 IPS-driven approach incorporates modern portfolio theory and includes unique offerings like insurance-related vehicles and bank deposit sweep options.

Maarten Koornwinder is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Alexander Carter is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2011, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his current role, he partners with families to collaborate on all areas of financial decision-making, focusing on developing sound investment strategies and comprehensive financial planning. Throughout his career at Fidelity Investments, Alexander has built experience in investment consulting and financial advising. He holds a California Insurance License, which supports his work in financial services. Outside of his professional responsibilities, Alexander's personal interests include golf, snowboarding, and swimming.

Frank Gomez is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Citigroup, Bank of America, and Merrill. Outside his advisory roles, he operated a small business called Frank's Corner Store from 2022 to 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager search, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and integrates an ESG eligibility framework in its recommendations.

Michelle Hu is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Cetera and its related entities since 2002, including roles at First Allied Securities and First Allied Advisory Services. Hu volunteers with the Shin Shin Educational Foundation and serves as trustee of the Hu Family Trust. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Charles Elliott is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has been with Wells Fargo Advisors since 2012 and holds Series 63 and Series 65 designations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition and special-needs analysis.

Matthew Fortuna is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at Merrill for 21 years and spent time at the University of Notre Dame and another firm in 2018 and 2019. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, employing various modeling techniques without providing individual security recommendations as part of standalone plans.

Kevin Ho is a financial advisor at Morgan Stanley in Palo Alto, CA, with eight years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Rodger Hobbs is a CFP® professional with 20 years of industry experience, currently serving as an advisor at OSAIC since 2023. He previously worked for Royal Alliance from 2012 to 2023. Outside his advisory role, Hobbs operates a sole proprietorship, Von Baron Wealth Management, offering life and health insurance, and principals a tax preparation and planning service under Baron Tax Services. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutional clients, providing brokerage, advisory, and financial planning services. The firm employs a variety of asset-allocation tools and third-party platforms to manage portfolios across multiple investment types either discretionary or non-discretionary.

Alice Chow is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Andrew Chang is a Series 66-licensed financial advisor with Morgan Stanley in Palo Alto, California, where he has worked since 2015. He has 13 years of industry experience. Outside of his advisory role, he is involved in a real estate property ownership activity. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range 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 through various channels, including direct individual plans and corporate financial planning agreements.

David Foreman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he serves as an elder at Cedar Grove Community Church. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Todd Nelson is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.