Yen Ting Lu is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Merrill and other prominent firms including Bank of America, JP Morgan Chase Bank, and Citigroup. 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, and institutional investors.

Cory Goligoski is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1992, shortly after earning his Bachelor's degree in Economics from the University of California at Los Angeles. Cory brings over 30 years of experience in financial strategies, with a focus on areas such as stock options, retirement planning, and comprehensive wealth management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Cory works closely with families and individuals to develop long-term strategies that address wealth management, retirement income, tax minimization, executive compensation, and education planning among other priorities. Outside of his professional role, Cory is involved with the Hillsborough Little League and the Ronald McDonald House. His personal interests include baseball, biking, football, hiking, running, spending time with family, and traveling.

Jason Babcock is a financial advisor with Charles Schwab based in Los Altos, CA. He holds Series 63 and Series 65 designations and has 26 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2002 and Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Eric Razzi is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has worked with Merrill and Bank of America since 2012 and had a prior role at TD Ameritrade. Razzi is based in Livermore, California, and has experience in both institutional and client-facing roles. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to 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.

Tam Thanh Le is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Polaris Advisory Inc, San Jose State University, PremierOne Credit Union, Citibank, and Victoria’s Secret. Outside of his advisory role, he owns businesses involved in Amazon and eBay reselling. 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 supported by research and technology solutions.

Benito Barillas is a financial advisor at Edward Jones with four years of industry experience. He holds a Series 66 designation and previously worked for six years at Seguros Antigua, Corredores de Seguros, S.A. Outside of his advisory role, he has a partial ownership interest in a house rental business in Antigua Guatemala. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Curtis Bunch Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1999 with Smith Barney/Morgan Stanley and joined Merrill Lynch in 2008. Curtis has over twenty years of experience helping clients achieve their personal financial goals by implementing comprehensive planning and wealth management strategies. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®) designation from the National Association of Plan Advisors. Curtis earned a Bachelor of Science degree in Business Administration with a concentration in Marketing from San Francisco State University and an Associate of Arts degree in Business Administration from the College of San Mateo. Curtis works closely with clients' certified public accountants, estate planning attorneys, and other financial professionals to develop integrated wealth management plans. Outside of his professional role, he is involved in the community as the San Mateo AYSO Regional Treasurer and volunteers with local youth sports organizations, including the American Youth Soccer Organization.

John Lowenberg Jr. is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 65 and Series 63 credentials and having 21 years of industry experience. He previously worked for Btig, LLC for 20 years before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

William Stricker is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 65 credentials and having nine years of industry experience. He has worked at various J.P. Morgan entities since 2017 and also has experience at Tulane. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager selection, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Gerald Gee is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and comprehensive investment research.

Pankit Patel serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he assists clients in utilizing Fidelity's suite of resources to develop and implement financial plans tailored to their individual and family economic situations. His approach is centered on clients' needs and financial goals. Patel has over a decade of experience working with High Net Worth clients in retirement, income, and wealth planning. Prior to joining Fidelity, he was Assistant Vice President and Financial Advisor at Merrill Lynch from 2011 to 2012, and an Investment Consultant and Registered Representative at UBS from 2007 to 2011. He holds a California Insurance License.

Jason Arzate Murillo is a Financial Consultant at Fidelity Investments. He has held various roles within Fidelity Investments since 2023, including Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity Investments, he worked as a Financial Professional at New York Life. Jason is licensed in California for insurance. He is committed to providing personalized financial guidance that aligns with each client's individual objectives and life stages. He focuses on building relationships based on trust and understanding to support clients in their financial journeys. Outside of his professional work, Jason enjoys comedy, fitness, football, golf, movies, and traveling.

Brenda Castellanos Rojas is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to that, she was employed at US Bank and San Jose State University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Mark Martin is a CFP® with 41 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Victor Chan is a Branch Leader at Fidelity, a role he has held since 2023. In this capacity, he is committed to helping all associates within his branch provide a positive client experience to uphold Fidelity's Standard of Care. Prior to this, he worked as a Private Client Advisor at JPMorgan Chase Bank from 2021 to 2023. He holds a California Insurance License. Outside of his professional responsibilities, Victor enjoys family activities, football, attending social events with friends, and music.

Marc Gambrel is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His work history includes roles at JPMC Bank NA, U.S. Bank, and various retail companies. He is based in Los Altos, California. 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. The firm operates within a larger banking and broker-dealer organization and offers customized services delivered on a non-discretionary basis.

Christina Yuni is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Merrill and Bank of America. Outside of her advisory work, she is a partner in Reef Hunters LLC, a company involved in real estate and technology. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutional clients, with a structured financial planning process supported by firm-approved tools and resources. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Vivek Patel is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market outcome models in its advisory process.

Louis Larson is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Larson is also involved in managing real estate investments as a sole proprietor. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to guide client financial plans.

Christopher Symank is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets over his career. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.