Ashveen Goundar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Bank, N.A. since 2016 and has held positions at Jack in the Box and Nations Hamburger. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Brenda Lopez is a financial advisor at Fidelity with a Series 66 credential. She has been with Fidelity since 2025 and has no prior industry experience before joining the firm. Prior to her current role, her work history includes positions outside the financial industry, such as in education and childcare. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse range of clients, including retail and institutional investors, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.

Charles Shreve III is a financial advisor with LPL Financial in Fremont, California, holding Series 63 and Series 66 credentials and 35 years of industry experience. He has worked at firms including Merrill and Bank of America, N.A. He is also involved in FB Investment Services, an affiliated business related to his LPL work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives, offering a range of advisory programs, financial planning, and retirement consulting services.

Victoria Da Conceicao is a financial advisor with UBS Financial Services in Palo Alto, CA. She holds a Series 66 designation and has one year of industry experience. Her prior work includes positions at Bain & Company, GCM Grosvenor, and Oaktree Capital Management. Outside of finance, she has been involved with the nonprofit Alzheimer's Brain Box. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, using proprietary research and model-based asset allocations to tailor solutions for clients.

Tanvi Devarakonda is a Series 66-credentialed financial advisor with Morgan Stanley in Palo Alto, CA, and has one year of industry experience. Prior to Morgan Stanley, she worked at Hantz Financial Services and has a background that includes roles in education and student accommodation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Elaine Ho is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2023. Outside of her advisory role, she has served as a part-time Chinese translator for the San Francisco-Marin Food Bank since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Josiah Kwok is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and starting his industry experience in 2026. His prior work includes roles at JPMorgan Chase Bank, N.A. and the Freeman College of Management at Bucknell University. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services focused on asset allocation, investment manager searches, and customized performance reporting through a non-discretionary advisory model.

Cliff Ahn is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. He has previously worked at Bank of America, Fidelity Investments, and held academic appointments at the University of California, Berkeley. He was also the owner of Context Switch LLC, a personal and professional coaching business that is currently being closed. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

April Heron is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2009. Heron is based in Menlo Park, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers a range of investment and financial products.

Kang Luo is a financial advisor with Merrill in Menlo Park, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Bank of America and Merrill since 2010. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Yanlin Yu is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Morgan Stanley in 2021, Yanlin worked at CitiGroup from 2012 to 2021. Outside of advisory work, Yanlin is involved in providing in-home senior services. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm employs structured discovery processes and advanced modeling tools to support clients, managing approximately $2.74 trillion in client assets.

Melody Lin is a financial advisor at Charles Schwab with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Charles Schwab and Charles Schwab Bank since 1997, with a two-year tenure at TD Ameritrade from 2022 to 2024. 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 advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset portfolio approach and centralized operational infrastructure.

Kuang Yang is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014, based in San Mateo, CA. 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 advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and proprietary research.

Steven Hansen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to each client's individual goals, utilizing insights from Merrill and solutions from Bank of America. His approach emphasizes flexibility to adapt to changing market conditions while aiming to help clients pursue their long-term financial objectives. Steven holds a Bachelor's Degree from the University of California System and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Committed to community involvement, he follows the Merrill tradition of volunteering with local organizations.

Alexander Hendricks is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Northern Trust for five years prior to joining J.P. Morgan in 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Dylan Jayasekera is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. His prior roles include positions at Charles Schwab Bank, Fierce Management Group, Thrive, and Leboulanger. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory with access to affiliated discretionary portfolios and uses multi-asset model portfolios alongside centralized custody and operational support.

Jermaine Williams is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He also serves as a Planning Consultant at Fidelity Investments since 2023. In these roles, he focuses on educating clients and assisting them with comprehensive financial planning to help them achieve their financial goals. Prior to his current roles, Jermaine worked as a Credit and Housing Counselor at Empowerment and Development Housing Resource Center from 2018 to 2023. He has experience in the insurance industry as an Insurance Service Representative at Hanover Insurance Group between 2015 and 2016, and in banking as a Customer Support Representative at Comerica Bank from 2013 to 2016. He holds a California Insurance License. Outside of his professional work, Jermaine has personal interests that include fitness, exploring food, reading, and traveling.

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.