Patrick Thor is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Ameriprise, Comerica Securities, Securities America, PFG Advisors, and KeyPoint Credit Union. Outside of his advisory work, he is involved with Comerica Bank’s cash management platform serving corporate and institutional clients. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party databases with principles of diversification and modern portfolio theory to evaluate investment options, and also offers a range of financial products through its bank and insurance affiliates.

Vu Le is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. In this role, he collaborates with clients to develop customized financial plans that align with their unique goals and priorities. Prior to this position, Vu worked as an Investment Consultant at Fidelity Investments from 2022 to 2024. Vu holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional work, he has interests in beach activities, fitness, football, outdoor adventures, soccer, and traveling.

Mark Palmer is a CFP® with 29 years of experience in financial advising. He is currently with Edelman Financial Engines and has previously worked at firms including Charles Schwab, Wells Fargo Investments, and Presidio Capital Advisors. Palmer serves on the advisory board of the Mgrublian Center for Human Rights at Claremont McKenna College and participates on the marketing committee of Smulin Contemporary Ballet. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering both discretionary management and non-discretionary online advice.

Yujin Zheng is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in serving ultra-high-net-worth clients, particularly those with concentrated stock positions resulting from IPO or exit events. She provides tailored financial strategies that address complex wealth management challenges, including concentrated stock positions, IPO planning, generational wealth transfer, tax minimization, and retirement income planning. With a background in statistics from Arizona State University, Yujin applies a disciplined, data-driven approach to financial planning. She holds the Personal Investment Advisor (PIA) designation and is proficient in Chinese, English, and Mandarin. Her expertise encompasses portfolio management, executive compensation, family wealth management, and college education planning. Yujin is committed to understanding each client's unique goals and developing personalized strategies accordingly. She integrates the investment insights of Merrill Lynch and the banking services of Bank of America to address diverse financial needs. Outside of her professional role, Yujin enjoys hiking, music, traveling, and yoga.

Yifeng Tong is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 65 and Series 63 credentials and 9 years of industry experience. He has been with Wells Fargo Clearing since 2015 and previously worked at the University of North Carolina at Charlotte from 2014 to 2016. 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 and analytics.

Michelle Flamm is a financial advisor with Charles Schwab in Los Gatos, CA, holding a Series 66 credential and five years of industry experience. She previously worked at US Bank and TD Ameritrade and has been associated with Charles Schwab since 2018. Outside of finance, she is a licensed cosmetologist providing haircut and hair coloring services to a small regular clientele. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary portfolios and alternative investments, supported by a centralized operational structure.

Christopher Wiebusch is a financial advisor with Merrill in Campbell, CA, holding Series 65 and Series 63 licenses and having three years of industry experience. His prior roles include positions at J.P. Morgan Securities and Bank of America. Outside his advisory work, he has experience working with Do Life Inc and has a background that includes various roles prior to entering the financial industry. 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 plans, corporations, and charitable organizations.

Janet Monger is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. She has worked at Raymond James Financial Services, Inc. since 2022 and previously operated Brennan Bookkeeping, LLC. Outside of her advisory role, she serves as a Client Service Associate at Blue Diamond Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm employs a tailored, non-discretionary investment approach using risk profiling and modeling tools, and is notable for its affiliation with a municipal advisor and specialized services such as SIMPLE IRA Employer Advisory & Consulting.

Xiangxiang Zhang is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2017. Prior to that, she was employed at CreditEase in 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework where applicable.

Chia Ling Cherene Wong is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 credentials and possessing 24 years of industry experience. She has been with Ameriprise since 2016. Wong serves on the board of directors for Bartlett Educational Resources, a nonprofit organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

David Dalaney is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2024. Prior to joining Schwab, he held roles at several companies, including Ultimate Staffing and Wipro. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions supported by centralized operations and a broad range of investment guidance tools.

Damon Focaracci is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding a Series 66 designation and 28 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Wells Fargo Advisors in 2021. Outside of his advisory role, he owns a consulting business focused on business and development consulting. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services, including specialized planning for niches such as business-owner transitions and special-needs analysis. The firm provides tailored recommendations using proprietary research and planning tools, with clients deciding how to implement them through various brokerage or advisory options.

Ping He is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has nine years of industry experience, including time at the University of California prior to joining Cambridge in 2017. He serves as a director on the board of the Financial Planning Association’s Silicon Valley Chapter. Cambridge Investment Research Advisors serves a diverse client base, including individual, institutional, pension, and charitable clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a wide network of financial professionals. The firm provides both discretionary and non-discretionary management across multiple platforms and proprietary model strategies.

Jeffrey Migneault is a CFP® professional with 22 years of experience in the financial services industry. He has been with Edward Jones since 2016. 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 and investment solutions, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Daniel Robbins is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He partners with clients and their families to build financial plans that align with their goals, focusing on understanding their individual needs and collaborating to identify strategies suited to their unique financial situations. Prior to this, Daniel worked as a Relationship Manager at Fidelity Investments from 2020 to 2023 and as a Workplace Planning Consultant from 2019 to 2020. Before joining Fidelity, he was a Financial Business Analyst at OppenheimerFunds, Inc. from 2003 to 2019. Daniel holds a California Insurance License. Outside of his professional work, he engages in various physical activities including biking, kayaking, running, snowboarding, surfing, and yoga.

David Heiman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at Citigroup Global Markets and Morgan Stanley Smith Barney, with over a decade at Morgan Stanley Private Bank. Heiman serves as Treasurer and Finance Committee Board Member for the Leo M Shortino Family Foundation, a nonprofit focused on children and youth. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory services to individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm provides tailored financial planning supported by structured processes and firm-approved tools but generally acts in an advisory capacity without offering individual security recommendations as part of standalone plans.

Adam Sawkins is a financial advisor at Morgan Stanley in Los Gatos, CA, holding a Series 66 designation with two years of industry experience. He previously worked at Charles Schwab and has a diverse background including roles in mortgage services and automotive sales. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, with a financial planning process rooted in structured discovery and firm-approved tools, serving clients through tailored financial plans and various investment services.

Bao Nguyen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Bao worked at Kestra Financial Services, New York Life, and LPL Financial. Outside of advisory work, Bao has involvement with Thriving Asset Management, where he assists with administrative tasks and client service related to insurance. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zhen Zhang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2013. 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 combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Julie Shieh is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes roles at Merrill, Bank of America, and Charles Schwab. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that combine discretionary and non-discretionary portfolio management with financial planning and brokerage services, using both in-house and third-party investment managers.