Marcus Leung is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with MML Investors Services Inc and Mass Mutual since 2007. Outside of his advisory role, he manages a residential property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing structured, collaborative planning engagements using firm-approved tools to support client goals.

Minh Dinh is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2016. Prior to LPL, he worked at Edward Jones for 13 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning and advisory programs.

David Lu is a financial advisor at Morgan Stanley in Pleasanton, CA, holding the Series 66 designation with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through corporate financial planning arrangements.

Jonathan Schmidt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley since 2016. 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 that utilizes structured discovery conversations and proprietary planning tools.

Eric Slack is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Financial in 2024, he worked at Transamerica Capital Inc from 2018 to 2024 and AMG Funds LLC from 2015 to 2018. Outside of his advisory work, he is involved in estate services on a part-time basis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs, financial planning services, and utilizes research and model portfolios from both internal and third-party sources.

Sophia Szeto is a financial advisor at Morgan Stanley with two years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, previously spending four years with the Ray Barri Agency at Allstate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides a planning process that uses structured discovery and firm-approved tools without individual security recommendations as part of standalone financial plans.

Magdalen Yum is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds the Series 63 designation and has been with UBS since 2016. Yum serves on the board of The Dui Hua Foundation, a nonprofit focused on rights advocacy through dialogue. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management using proprietary research and model-based asset allocations.

Andrew Fotu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Bank of America Consumer and Business Banking, bringing a client-focused approach grounded in integrity and availability. Andrew emphasizes a personalized, planning-based strategy to help clients pursue their financial goals while considering their life priorities and aspirations. Andrew's expertise includes executive compensation, family wealth management strategies, managing new wealth, and portfolio management services. He analyzes clients' wealth structures to identify weaknesses and develops customized investment strategies using both internal and external research as well as Merrill's open investment platform. He collaborates closely with clients' CPAs and estate attorneys to implement tax minimization and estate planning strategies. He holds a Bachelor's Degree from the University of Waikato and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Andrew participates in community volunteer activities and enjoys basketball, hiking, skiing, spending time with his family, and traveling.

Michael Daly is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2013. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Rick Haro is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Carolyne Charvoz is a financial advisor with MassMutual Investors Services holding a Series 66 designation and five years of industry experience. She has been with MassMutual Life Insurance Co. and its affiliated entity MML Investor Services, LLC since 2020. Prior to her current role, she was involved with Torches on the Hudson, DBA Blu Pointe, from 2017 to 2020. Carolyne also holds an outside insurance sales position as a broker specializing in life, disability, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning engagements using proprietary software and provides educational seminars along with specialized planning for events such as divorce and estate settlement.

Melissa Whitney is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at J.P. Morgan Chase Bank and J.P. Morgan Securities for 13 years. Outside of her advisory role, she is a silent partner and investor in Longfellow Wines LLC, a winery based in Oakland, CA. Morgan Stanley Wealth Management serves 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 utilizes structured planning tools and investment models developed by its Global Investment Committee.

Issa Kaleh is a financial advisor with J.P. Morgan Securities in Burlingame, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill, Bank of America, Wells Fargo, and Northwestern Mutual Investment Management. 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Diego Contreras is Vice President and Financial Consultant. He partners with families and individuals to assist them in navigating wealth planning decisions, emphasizing attention to detail, integrity, and dedication. Diego's professional experience includes roles as a Financial Consultant at Fidelity Investments from 2019 to 2025, a Senior Financial Consultant at TD Ameritrade from 2018 to 2019, and a Financial Consultant at TD Ameritrade from 2017 to 2018. He holds a California Insurance License.

Tanner Mcmillen is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior experience includes roles at Morgan Stanley, Giving Tree Wealth Advisors, and The Wine Group, alongside earlier positions in education and hospitality. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and serves as a registered commodity pool operator with advisory roles for multiple registered investment companies.

Pagnchaktra Sun is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Citibank. J.P. Morgan Securities provides investment consulting and advisory services primarily 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 in its recommendations.

Jerry Tzu Hsuan Chen is a financial advisor with Merrill in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elizabeth Dong is a financial advisor with Morgan Stanley in Menlo Park, California. She holds a Series 66 designation and has 12 years of industry experience. Her work history includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2013. Outside of her advisory work, she owns and manages a real estate business, DJH Realty LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Alina Lloyd is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. She provides tailored advice, proactive outreach, and forward-thinking strategies to ultra-high-net-worth entrepreneurs, executives, and their family members. Throughout her career, Alina has focused on the distinctive needs and priorities of this dynamic clientele, helping them anticipate and navigate critical decision points in their financial lives and legacies. She has particular expertise in pre- and post-liquidity event planning, cash flow analysis, trust and estate planning services, and facilitating access to customized lending through Bank of America. Alina has worked in private banking and wealth management since 2003. Prior to joining Merrill, she held similar roles at Wells Fargo Private Bank and J.P. Morgan Private Bank, serving ultra-high-net-worth clients across San Francisco, Los Angeles, and Houston. She holds a Bachelor’s degree in Finance from the University of Houston, graduating Summa Cum Laude, and an MBA with Honors from the University of California, Los Angeles. She is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). Alina serves as Chair of the Board at StarVista, a Bay Area nonprofit providing community outreach and social services to children, young adults, and families, and she participates on its Executive and Fundraising Committees. She is also a co-founder of Women in Technology & Finance, a networking organization supporting Silicon Valley women in venture capital, finance, and technology. Alina resides in San Carlos with her husband and two daughters. Her personal interests include cooking, hiking, music, reading, tennis, watching movies, and yoga.

Susan Brauner is a financial advisor at Osaic with 44 years of industry experience. She holds a Series 63 designation and has worked at Securities America Advisors Inc and The Brauner Company, where she has served as a co-trustee of the company’s profit sharing plan. Brauner is also licensed as an insurance agent specializing in term insurance and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to multiple third-party money managers and wrap programs. The firm employs asset-allocation tools and risk-tolerance analysis to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.