Brian Houle is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2018, currently also working with Morgan Stanley Private Bank, N.A. in Menlo Park, CA. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Their approach involves structured discovery and firm-approved planning tools, utilizing methodologies such as Monte Carlo simulations and Secular Return Estimates from the Global Investment Committee.

Kathy Tabrizi is a financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Aurora Heitman is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 65 and Series 63 licenses and has held roles at Premier Research, Synteract, Inc., and Quintiles, Inc. In addition to her advisory work, she has experience as a homemaker and in photography. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering model-driven advisory services supported by third-party asset managers and custodians.

Nathan Walsh is a Series 66 registered financial advisor with Charles Schwab in Menlo Park, CA, and has four years of industry experience. His career includes roles at Charles Schwab Bank, NYLIFE Securities LLC, and New York Life Insurance Company. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options, as well as integrated brokerage, custody, and financial planning services.

Chun Kit Lee is a financial advisor with J.P. Morgan Securities in Castro Valley, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Irene Allen is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships and corporate financial planning agreements.

Mercedes Landaverde is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. She has worked at Morgan Stanley since 2017 and previously at Wells Fargo Bank from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ariana Parker is a Series 66-licensed financial advisor at UBS Financial Services with 13 years of industry experience. She has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Francisco Reyes IV is a financial advisor with Merrill in Hayward, CA, holding Series 66 and Series 63 credentials and two years of industry experience. He has worked at Merrill since 2022 and previously held positions at Bank of America, Drivetime, chewy.com, Farmers Insurance, Enterprise Rent-A-Car, and Benedictine University at Mesa. Outside of his advisory role, Reyes is also a clerk at a convenience store. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

James Wong is a financial advisor at Morgan Stanley with 27 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Wong holds Series 63 and Series 65 credentials. Outside of his advisory role, he is involved in several real estate investment ventures as a passive investor and limited member. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and investment modeling techniques but generally acts in an advisory capacity rather than as a fiduciary unless otherwise engaged.

Troy Ryder is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of experience in the industry. He has worked at Cetera Advisors LLC since 2016 and previously spent 10 years with Investors Capital Corp. Outside of his advisory role, he owns an adventure training business, ROC Warrior, and serves on the boards of two nonprofit organizations focused on education and training. He is also the inventor and founder of a home waste treatment system company. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Riley Krook is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2018, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He also has past experience at Stonerise Capital Partners and served on the University of Oregon staff. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Dao Nguyen is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 and Series 63 licenses and previously worked at Citibank, Wells Fargo, Guaranteed Rate, and Loan Depot. He is based in Palo Alto, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Meredith Westerman is a financial advisor at Morgan Stanley in Palo Alto, CA, with 13 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services for 10 years before joining Morgan Stanley in 2026. 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 a structured planning process and various tools to assist clients but generally acts in an advisory capacity rather than as a fiduciary unless specifically engaged.

Charles Schembri is a financial advisor with LPL Financial, holding a Series 63 designation and possessing 31 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and provides access to model portfolios, research, and various institutional services.

Christopher Twardowski is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with an investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and incorporation of AI and algorithmic techniques in its research.

Amit Chadha is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Fidelity Brokerage Services LLC, and St. James's Place Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Jennifer Buhl is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2011 and has over 15 years of experience working with affluent individuals, families, and owners of closely-held businesses. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). Jennifer’s expertise covers a range of client focus areas including corporate executive services, education planning, services for endowments, foundations, and non-profits, personal retirement planning, women and wealth, and retirement income. She emphasizes a wealth management approach that serves as a flexible framework and road map to help clients achieve their financial goals through growth, wealth preservation, succession planning, education funding, wealth transfer, and retirement planning. Jennifer earned her high school diploma from George Washington, attended San Francisco State University without earning a degree, and holds a bachelor’s degree from Charter Oak State College. Her team at Merrill Lynch includes CERTIFIED FINANCIAL PLANNER® professionals with expertise in estate planning strategies, retirement planning, insurance, tax efficiencies, and administration of 10b5-1 plans.

Andrew Gotianse is a financial advisor at Ameriprise with 23 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliates since 2012. Based in Redwood City, CA, his career has been focused within this firm. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice, combining internal investment research and third-party data with a non-discretionary implementation approach.

Daniel McGovern is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. In this role, he employs a comprehensive wealth planning process to assist clients in working towards their personal and professional financial goals. His approach is guided by his family motto, "Serviendo Guberno," which means "to govern by serving." This philosophy underpins his commitment to helping clients manage their finances through dedicated service and guidance. With over 25 years of experience in the financial industry, Daniel's career includes roles such as Vice President Director at Polaris Greystone (2015-2017), and Financial Advisor positions at Merrill Lynch, HSBC, and JP Morgan. His background also includes positions as Director of Investment Sales at Lord Abbett and a Trader at RBC Dominion. Daniel began his career with an internship and various roles at Merrill Lynch, and as an Investment Banking Analyst at WM Sword & Co. Daniel holds a California Insurance License. Outside of his professional commitments, he has interests in art, beach activities, family engagements, fitness, golf, and museum visits.