Sanh Vuong is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Morgan Stanley in 2021, Vuong worked for Citigroup Global Markets for 14 years. Outside of advisory services, he owns and manages rental property in Alameda, California. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning using structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Shane Westhoelter is a financial advisor with Cambridge Investment Research Advisors based in San Ramon, CA. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes roles at Continuity Partners Group and Gateway Financial Advisors, where he also serves as an independent insurance agent. Outside of his advisory work, he is involved in various business ventures, including authorship, non-profit board membership, retail operations, and music promotion. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients through a network of independent financial professionals. The firm offers comprehensive financial planning, investment management, and retirement services with a range of portfolio management options and affiliated proprietary strategies.

John Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and analysis.

Xiao Feng Wu is a financial advisor with Charles Schwab in Oakland, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Charles Schwab, Wu worked at several major financial institutions including JPMorgan Chase, Bank of America, Merrill, Citibank, and LPL Financial. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management alongside brokerage, custody, and cash-sweep services.

Gregory Anderson is a financial advisor with Merrill in Oakland, CA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. 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.

Diana Chan is a CFP® professional with 34 years of industry experience, currently affiliated with Osaic. She spent 32 years with Woodbury Financial Services before joining Osaic in 2024. In addition to her advisory role, she holds licenses to sell fixed insurance products and fixed indexed annuities. Osaic serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers and managed-account solutions.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Adam Sadowy is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Bank and Wells Fargo Clearing since 2019. Prior to his financial career, he was employed at Starbucks for four years. Outside of his advisory role, he owns and operates SUDS Laboratory LLC, a biotech-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven process is grounded in modern portfolio theory and includes a broad investment menu with insurance-related vehicles and bank deposit sweep options.

Vincent Sommese is a Series 66-licensed financial advisor at Morgan Stanley with four years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2021, he worked in education for 14 years and held various roles including a position with the Oakland Athletics in 2021. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and modeling techniques without providing individual security recommendations in standalone plans.

Michael Benjaminson is a financial advisor with LPL Financial in San Ramon, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2005. Outside of his advisory role, he operates an insurance business under the DBA MDB Wealth Group, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Alice Wilms is a financial advisor at Edward Jones with six years of industry experience. She holds a Series 66 designation and previously worked at New York Life and Thrivent Financial, in addition to consulting and self-employed roles. Wilms serves on the board of Save World Children, a nonprofit where she focuses on building partnerships and raising awareness. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Deepa Venkatachalam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.

Julie Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. She has been with JPMorgan Securities LLC 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 its Wealth Advisors. 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.

Alan Day is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 and Series 63 designations and has worked at JPMorgan Chase Bank, N.A. since 2013, joining J.P. Morgan Securities in 2023. 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 applying an ESG eligibility framework when recommending eligible strategies.

Matthew Dennis is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. He worked at MML Investors Services LLC and MassMutual Life Insurance Company for nine years before joining LPL Financial. Outside of his advisory role, he is involved with Matador Risk in executive protection services. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, leveraging model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Carla Koren is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 1997. Koren serves on the finance and investment committees of Girls Inc of Alameda County and Temple Sinai. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and firm-approved tools but generally acts in an advisory capacity without individual security recommendations in standalone plans.

Nathalya Wolf is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank from 2009 to 2018. 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 delivers advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Dmitry Vasyutinskiy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves 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 employs a structured planning process supported by firm-approved tools and scenario modeling.

Neelofar Hossaini is a financial advisor with Wells Fargo Clearing in Danville, CA, holding a Series 63 designation and eight years of industry experience. She has held various roles within Wells Fargo entities since 2014. Outside of her advisory work, she is an authorized signer for a local hair salon’s business accounts in case of emergencies. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Steven Kay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Cetera Wealth Services since 2013 and joined Cetera in 2023. Outside of advisory work, he is involved in fixed life and health insurance through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals across wealth levels, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.