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.

Margaret Bussmann is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. She has been with Morgan Stanley since 2015, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs firm‑approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Chun Wong is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Securities LLC since 2016 after four years at MSI Financial Services, Inc. Outside of his advisory role, he owns rental properties managed through a local property management company. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes a broader range of regulatory registrations and derivatives capabilities.

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.

Jessica Lee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs to individuals and institutions, focusing on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenarios to help clients develop financial plans.

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.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

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.

Madeline Beaton is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses with two years of industry experience. She has previously worked at Natixis Advisors, LLC and Natixis Distribution, LLC, and has been involved with Sandpiper Productions LLC. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured process. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

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.

Brian Brogan is a financial advisor with Morgan Stanley, holding a Series 63 designation and 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets from 1999 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and firm-approved tools, including Secular Return Estimates and Monte Carlo simulations.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at MML Investors Services and MassMutual Life Insurance Company. She has been with J.P. Morgan since 2017, including time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering access to a range of eligible investment strategies and affiliated portfolio services.

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.