Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and having 10 years of industry experience. She has worked at JP Morgan Securities and JP Morgan Chase Bank since 2017 and previously held positions at MML Investors Services and MassMutual Life Insurance Company. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the broader J.P. Morgan organization and offers access to a wide range of products, including those related to security-based swap and futures commission merchant activities.

John Moran is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets support through its global platform.

Paige Hovermale is a financial advisor at Merrill in Palo Alto, CA, holding a Series 66 designation with no prior industry experience. Before joining Merrill and Bank of America in 2026, Paige worked briefly at RBC PH&N and has held various positions outside the financial industry, including roles at the UBC Tennis Centre and University of British Columbia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carlos Betancourt is a Series 66 licensed financial advisor with Morgan Stanley in Palo Alto, CA, bringing 16 years of industry experience. His prior roles include eight years at J.P. Morgan Securities and Bank of America. Outside of finance, he is involved in real estate co-ownership ventures, including Pacaso Inc. and a family trust that manages short-term rental properties. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a broad range of advisory programs and tailored financial planning services, utilizing structured planning tools and investment modeling techniques.

Russell Case is a CFP® professional with 16 years of industry experience, currently serving at Edward Jones since 2009. He is based in Los Gatos, CA, and holds the Series 66 designation. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Thu Huong Nguyen is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she served as a Relationship Manager at Fidelity Investments from 2022 to 2024. Thu Huong has extensive experience in financial services, having worked as a Financial Advisor at Merrill Lynch from 2018 to 2022, a Registered Representative at Transamerica Financial Advisors, Inc. from 2015 to 2018, and a Financial Services Professional and Agent at New York Life Insurance Company and NYLIFE Securities, Inc. between 2003 and 2015. She earned a Bachelor's degree in Applied Mathematics from the University of California, Berkeley. Thu Huong holds a California Insurance License, supporting her work in financial planning and insurance services. Outside of her professional career, she engages in community volunteering and fundraising, reflecting her commitment to giving back. Her personal interests include art, family activities, food, and music.

Brian Penzel is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he serves on the board of the Logistics Advances Research Center, sits on the Board of Trustees for the Moreland School District, and acts as treasurer for the Saratoga Federated Church. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and resources.

Tongjing Wu is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping clients develop strategies to pursue their financial goals. As a Personal Investment Advisor (PIA), Tongjing takes the time to understand clients' priorities and provides guidance on areas including investing, retirement planning, and saving for unexpected events. Tongjing also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Tongjing holds a Bachelor's Degree from Zhejiang University of Finance and Economics and a Master of Business Administration (MBA) from the University of Southern California. Fluent in both English and Mandarin, Tongjing offers ongoing advice and support tailored to clients' evolving needs.

Vincent Yip is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Wells Fargo Bank, and JPMorgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory process.

Anna Demarcus is a financial advisor at Morgan Stanley in Cupertino, CA, with 19 years of industry experience. She holds the Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Merrill. 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, including tailored financial planning that utilizes firm-approved tools and investment models to assist clients in developing their plans.

Timothy Davis is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2011, including time with Morgan Stanley Private Bank, National Association. 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, managing approximately $2.74 trillion in client assets.

Mojgan Mohammadi is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing personalized wealth management strategies that begin with understanding her clients' financial situations, family dynamics, and priorities. Mojgan works with clients to develop flexible approaches tailored to their evolving needs and changing market conditions, offering access to Merrill’s investment insights alongside the banking and lending solutions of Bank of America. Her expertise encompasses family wealth management strategies, personal retirement planning, portfolio management services, and supporting women in wealth. Prior to entering the financial industry, Mojgan worked in the fashion and alternative health sectors, experiences that contribute to her holistic approach to advising clients. She holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University system. Mojgan is fluent in English and Farsi. Outside of her professional role, Mojgan’s personal interests include dancing, hiking, music, reading, rock climbing, running, traveling, writing, and yoga. Her philosophy centers on connecting all aspects of a client’s financial life to help them prioritize and pursue the goals that matter most.

Fiera Brein is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and bringing nine years of industry experience. Prior to joining Raymond James, Brein worked at JPMorgan Chase Bank and JPMorgan Securities LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with a notable municipal finance affiliation uncommon among large institutional advisors.

Julio Moncada is a financial advisor with Fidelity Investments, holding Series 65 and Series 63 credentials. He joined Fidelity in 2026 and has prior experience at Firsthand Capital Management from 2008 to 2023. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, employing a mix of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Park is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021, following 13 years at CitiGroup Global Markets. Outside of his advisory role, he coaches a boys volleyball team at Leland High School in San Jose. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Lilianna Watt is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2016. Outside of her advisory role, she serves as a trustee for a family investment property held in trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering financial planning and advisory services to individuals and institutions, managing approximately $2.74 trillion in client assets through structured planning processes and a broad array of investment programs.

Khuong Tran is an advisor at Merrill with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Hong Leong Bank Vietnam. Merrill 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.

Cheryl Tadlock is a Senior Financial Advisor at Merrill Lynch Wealth Management. In her role, she provides investment guidance and financial planning services to clients. Cheryl holds the professional designation of Personal Investment Advisor (PIA), demonstrating her commitment to expertise in personal investment management. She earned her Bachelor's Degree from San Diego State University. Her background combines formal education and professional credentials to support her advisory practice.

Mark Manasco is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan affiliates since 2011, including roles at Chase Investment Services Corp and JPMorgan Chase bank. 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 operates both as a broker-dealer and investment adviser, delivering advisory services alongside affiliated brokerage and investment management capabilities.