Hsin Yi Vivian Hsieh is a financial advisor at Charles Schwab with seven years of industry experience and holds a Series 66 designation. Her prior work includes roles at Morgan Stanley, TD Ameritrade, and Borelli Investment Company. She is currently based in Cupertino, CA. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options supported by centralized custody and a multi-asset investment approach.

Steven Xu is a financial advisor with Charles Schwab who holds Series 63 and Series 65 licenses and has 23 years of industry experience. Prior to joining Schwab in 2025, he worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC for a combined 10 years. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts delivered via a large-scale, integrated platform.

Bao Lieu is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at NYLife Securities LLC and New York Life Insurance Company. Before his financial career, he was employed in education at HCMC University of Pedagogy, Tran Phu Highschool, and Nguyen Tri Phuong Middle School. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Barnao is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management strategies tailored to individual client needs. He works with high net-worth individuals and households, helping them navigate the evolving financial landscape to pursue their long-term goals. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, and retirement income. Anthony holds a Bachelor's Degree from Baylor University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes a personalized approach, developing financial strategies collaboratively with clients to align with their specific objectives. In addition to his professional role, Anthony participates in community service, dedicating time to volunteer with local organizations. Outside of work, he interests include adventure sports, baseball, camping, fishing, hunting, and spending time with his family.

Eric Zhang is a financial advisor with Morgan Stanley in Cupertino, CA, holding the Series 66 designation and one year of industry experience. His prior work includes roles at KPMG and Ernst and Young, as well as a position in the University of California, Santa Barbara Sustainability Office. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment forecasts to support its financial planning process.

Ignacio Ceniceros is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at Bank of America/Merrill Lynch and JP Morgan Chase Bank. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors 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.

Deborah Krumwiede is a financial advisor at LPL Financial with 31 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Cetera and Technology Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Lucas Orme is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to his current role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024. In his capacity as an Investment Consultant, Lucas focuses on helping individuals and families make informed financial decisions through personalized, goal-driven planning tailored to their unique circumstances. Lucas holds a California Insurance License, enabling him to provide comprehensive financial guidance. He emphasizes building enduring client relationships based on trust, transparency, and open communication. Lucas collaborates closely with clients to develop customized financial plans that adapt as their lives change.

Bao Chau Nguyen Sun is a Wealth Management Advisor with Merrill Lynch Wealth Management. She specializes in working with families, individual investors, and business owners to define and help achieve their financial goals. Sun collaborates with Merrill Lynch Wealth Management specialists and Bank of America banking specialists to provide retirement planning services, focusing on lifetime income streams, education savings, estate planning, insurance, and asset preservation. Since joining Merrill Lynch Wealth Management in 1996, Sun has gained experience in family wealth management strategies, education planning, divorce transition planning, socially responsible investing, tax minimization, and retirement income. She works closely with clients and their trusted advisors such as attorneys and accountants to ensure individualized attention and solutions tailored to their unique financial circumstances. Sun holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Private Wealth Advisor® (CPWA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). She earned a master's degree from the University of Oregon and a bachelor's degree from Hanyang University. Sun is fluent in English and Korean. Outside of her professional work, she enjoys cooking, golfing, swimming, and spending time with her family, and she is involved in community volunteer activities.

Carmen Irving is a financial advisor at Edward Jones in Scotts Valley, CA. She holds a Series 66 designation and has experience working at Edward Jones since 2024, with prior roles at Pacific Home Design and SJ Kellerman & Associates. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

A.J. del Castillo is a Financial Consultant currently working at Fidelity Investments since 2023. He has held various roles in the financial services industry, including positions as a Financial Advisor at Ameriprise Financial Services, LLC, Vice President and Financial Consultant at Charles Schwab, and multiple roles at Fidelity Investments dating back to 2004. With over twenty years of experience, A.J. specializes in working closely with clients to develop financial plans tailored to their individual goals. His approach emphasizes building strong relationships founded on trust and a thorough understanding of each client's needs. A.J. holds a California Insurance License. Outside of his professional work, he has personal interests in music and traveling.

Lisa Ball is a financial advisor with RBC Capital Markets, LLC, based in San Jose, CA. She holds the Series 66 designation and has 32 years of industry experience. Prior to joining RBC in 2018, she worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Selina Wu is a Financial Consultant at Fidelity Investments, a position she has held since 2024. Prior to this role, she served as Vice President Wealth Relationship Manager at HSBC from 2019 to 2024. She holds a California Insurance License, supporting her work in financial consulting and wealth management. Outside of her professional career, Selina has interests in art, family activities, fitness, food, pets, and singing.

Terrence Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®). Terrence focuses on helping high net-worth individuals, families, business owners, retirees, and endowments and foundations develop and maintain customized wealth management strategies. His expertise includes college education planning, corporate retirement plan services, legacy planning, personal retirement planning, tax minimization, and addressing the unique financial challenges faced by athletes and entertainers. Central to his approach is the principle of asset allocation and diversification, aiming to construct portfolios that balance risk while pursuing growth aligned with clients' goals. He earned a Bachelor of Science degree in Business Marketing from San Jose State University. Before joining Merrill Lynch, Terrence lived and worked in Japan for approximately seven years and speaks Japanese. He resides in Los Gatos with his wife Tammy and their three children. In his personal time, he enjoys playing pickleball, practicing karate, staying physically active, reading, and spending time with his family.

Monica Carney is a Series 66 licensed financial advisor with Morgan Stanley in Santa Cruz, California, and has 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs that include tailored financial planning supported by firm-approved tools and comprehensive asset management.

Craig Cymrot is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory work, he is involved as a successor trustee in a trust based in Mountain View, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize firm-approved tools and methodologies to support clients in achieving their financial goals.

Steven Shieh is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he worked at BMO Harris Bank and Moss Adams. Outside of his advisory work, he is involved with JDA TSG Tax in a part-time capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Karen Peck is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of her advisory work, she is involved in managing a commercial rental property through a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Schure is a financial advisor at Charles Schwab in Sunnyvale, CA, holding a Series 66 designation with one year of experience. His prior work experience includes roles at Charles Schwab Bank, Sports Basement, AmeriCorps, and Stingray Volleyball Club. 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 guidance alongside access to discretionary separately managed accounts and employs multi-asset model portfolios with strategic asset allocation.

Jon Hanson is a financial advisor at Morgan Stanley with 8 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2017, following a one-year tenure at Lakin Spears LLP. He is based in Santa Cruz, CA. 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 utilizes structured financial planning tools as part of its process.