Nicholas Bragg is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, NA. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mixed advisory model combining non-discretionary guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Center for Financial Research.

Gloria Infante is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. She holds a Series 66 designation and has worked at Merrill, First Republic Investment Management, and First Republic Securities before joining J.P. Morgan Chase Bank and J.P. Morgan Securities. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors by providing investment consulting and advisory services through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Sharon Mok is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies that align with their long-term goals and adapt to changing market conditions. Sharon provides access to Merrill’s investment insights alongside the banking and lending solutions offered through Bank of America. Sharon holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. She is committed to community involvement and dedicates time to volunteering with local organizations, reflecting the Merrill tradition of service in the communities they support.

Alan Lui is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding a Series 63 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. since 2007. 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 advisory process is IPS-driven and based on modern portfolio theory, tailoring services to plan objectives and risk tolerances while acting as an ERISA fiduciary when providing investment advice.

Pavan Ravilisetty is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 66 and Series 63 designations and has worked at firms including J.P. Morgan Securities, TIAA, and Citibank. 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 through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Xiaoyan Zhou is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. She has been with Merrill since 2018 and also worked at Bank of America, N.A. starting in 2024. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Lonergan is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation, Mass Mutual Investors Services, Massmutual Life Insurance Co, and MetLife Securities Inc. Outside of his advisory work, he owns Hazy Hen Endeavors LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and research from LPL Research and third-party subadvisors.

Sharon Chung is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Her prior roles include work with the Judicial Council of California and various consulting and civic organizations. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Sergio Santilli is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has nearly two decades of experience in the financial services industry, having joined Merrill Lynch in 2008. Prior to this, he worked at Wells Fargo Investments, where he obtained his FINRA Series 7 and Series 66 registrations, as well as a California Insurance License. Sergio holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Sergio's expertise encompasses a wide range of client focus areas including college education planning, executive and equity compensation, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. As a member of the Santilli/Buhl Group at Merrill, he emphasizes goals-based financial planning tailored to clients' unique risk tolerances and life objectives. He aims to provide clear and transparent advice to help clients navigate the complexities of investing and build long-lasting relationships through education and ongoing market insights. He earned his Bachelor’s Degree from California Polytechnic State University, San Luis Obispo, and graduated from St. Ignatius College Preparatory. A Bay Area native, Sergio is fluent in Italian and English. Outside of work, he enjoys baseball, camping, football, golfing, soccer, and spending time with his family.

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.

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.

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.

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.

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 20 years of industry experience. He holds the Series 63 and Series 66 designations and is based in Burlingame, California. He has worked at Fidelity since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.