Qian Ma is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill since 2013. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Marks is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. His prior work includes roles at Equitable Advisors and various educational institutions. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers a range of advisory services including model portfolios and fund advisory.

Aaron Valadez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2022 and has prior work experience spanning corporate and restaurant sectors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, focusing on advisory services rather than individual security recommendations.

Gary Chiang is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 36 years of industry experience. He previously worked at Wells Fargo Investments, LLC for ten years before joining Wells Fargo Clearing in 2016. He serves as an investment committee member at The King's Academy in Sunnyvale, CA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Tingting Chen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. Prior to joining J.P. Morgan Securities in 2024, she worked at Morgan Stanley, UBS Financial Services, and HSBC in various capacities. 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. The firm’s advisory approach integrates centralized due diligence with quantitative and qualitative research and includes an ESG eligibility framework.

Roberto Martinez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes long tenures at Merrill and Bank of America prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers structured planning processes supported by firm-approved tools and analysis.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Kelly Simms is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds a Series 63 designation and has worked for JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Stephen Clarke is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He also serves as a trustee for a trust in San Carlos, California. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including personalized financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and provides both direct and employer-sponsored financial plans.

James Patt is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on managing new wealth, personal retirement planning, and small business strategies. James holds the designation of Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Cal Poly State University San Luis Obispo. James emphasizes building trust and providing straightforward guidance to help clients create clear financial plans tailored to their goals. His approach centers on understanding clients' priorities and simplifying financial advice to support them through various stages of their financial lives.

Thomas Hunt is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill Lynch since 2007 and previously worked at M.L. Stern & Co., LLC. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Befumo is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 10 years and operated Befumo Insurance Group, Inc. for 21 years. His background includes offering disability insurance, fixed annuities, traditional life insurance, and long-term care. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies through a complex affiliate network and a platform influenced by private-equity ownership.

Jesse Zimmer is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Jesse holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves on the Investment Committee for the Burlingame Community Education Foundation, a charity supporting local schools. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services based on structured discovery and firm-approved tools, without providing individual security recommendations as part of standalone plans.

Hsiao Yun Yang is a financial advisor at Morgan Stanley with 23 years of industry experience and holds the CFP® and Series 66 credentials. Her prior experience includes roles at Wells Fargo Clearing, Citigroup Global Markets, UBS Financial Services, and Ameriprise. Outside of her advisory work, she is involved in managing rental properties in Seattle and San Jose. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include comprehensive planning and diverse investment options.

Sue Teng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.

Cynthia Valencia is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 66 designation and seven years of industry experience. She previously worked five years at Morgan Stanley before joining UBS in 2021. 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 according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and solutions.

Michelle Nguyen is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. Her prior roles include positions at JP Morgan Securities LLC, JPMorgan Chase Bank, N.A., and HSBC Bank USA, N.A. Outside of her advisory work, she is involved in managing rental property as a part-time landlord. 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 and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Louis Cano Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management, with a career spanning over three decades in the financial industry. Born and raised in the San Francisco Bay Area, he has built a practice focused on helping individuals and families achieve their long-term financial goals. Starting his interest in finance at age 18 on the Pacific Coast Stock Options Trading Floor, Louis has developed a deep understanding of investment management and wealth strategy. His expertise centers on assisting high-net-worth executives and families, emphasizing tax-aware investing, managing concentrated stock positions, exchange funds, and tax-managed portfolios. Louis prioritizes clear communication to help clients understand the complexities of their financial plans and the reasoning behind investment decisions. Prior to joining Merrill in 2008, he spent 14 years with UBS and PaineWebber. He holds a Bachelor's degree from San Francisco State University and is certified as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Beyond his professional work, Louis is engaged in community service, following the Merrill tradition of volunteerism. His personal interests include music, running, traveling, and spending time with his family.

Marina Perry is a Certified Financial Planner (CFP®) with 21 years of experience in the financial services industry. She currently works at Morgan Stanley in San Mateo, CA, where she has been affiliated with both Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017. Her prior experience includes roles at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its planning process.