Jiaying Ma is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. She previously worked at iBest Learning Center for six years before joining Charles Schwab and Charles Schwab Bank, SSB. 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 blend of non-discretionary advisory relationships and discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.

Khiet Huynh is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Smith Barney and CitiGroup Global Markets Inc. since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Kanak Agarwal is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2025. Kanak has been with Fidelity since 2021, initially serving as a Financial Consultant. Prior to joining Fidelity, Kanak worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021, and as an Investment Consultant at Scottrade from 2017 to 2018. Earlier, Kanak gained experience as a Personal Banker at Wells Fargo from 2012 to 2017. Kanak holds a California Insurance License. As a financial consultant, Kanak focuses on working closely with clients to understand their goals, concerns, and preferences in order to develop customized financial plans. Kanak emphasizes providing education, guidance, and maintaining ongoing personalized relationships with clients. Outside of work, Kanak enjoys cooking and baking, participating in family activities, outdoor adventures, and traveling.

Reed Sparling is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked as a contractor for Wells Fargo through Randstad and held positions at IEH Laboratories, Joey Kitchen, and the University of Washington. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Daniel Beltran is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with LPL Financial. His prior work includes roles at United Planners' Financial Services of America and Vitucci & Associates. He also operates a business under the name Plantran Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Donald Mazza is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at E.K. Riley Investments, Menlo Asset Management, City National Bank, and Comerica Bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary market assumptions and research to tailor plans based on client goals and risk tolerance. The firm combines institutional trading capabilities with wealth management services and provides a broad range of financial solutions including advisory, custody, underwriting, and capital markets services.

Cade Mayer is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Lululemon and as an independent golf instructor. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals utilizing various portfolio management strategies and platform arrangements.

Ian Tang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in education planning, managing new wealth, personal retirement planning, and tax minimization. Ian works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from the California State University System and holds the Professional Investment Advisor (PIA) designation. Ian also engages in community service through volunteer work, reflecting the Merrill tradition of local involvement. Outside of his professional role, he enjoys fishing, golfing, softball, and spending time with his family.

Nora Zele is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2014, with a brief tenure at Wells Fargo Clearing. Based in Palo Alto, CA, she is currently part of a large advisory team at Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Suzy Fisk is a financial advisor at Edward Jones with 30 years of industry experience. She holds Series 63 and Series 65 designations and has been with Edward Jones since 2018. Suzy is approved to serve as a non-public arbitrator on FINRA’s roster, participating in dispute resolution panels occasionally. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supporting its services with a nationwide network of financial advisors and branch offices.

Vijaylakshmi Shetty is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2011, with prior experience at TIAA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adriana Maria Da Cruz is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with eight years of industry experience. She previously worked at UBS Financial Services Inc. for several years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Bothwell is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Bothwell is currently based in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a 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 supported by its Global Investment Committee.

The Phong Truong is a financial advisor at Merrill with six years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Merrill, he worked at Bank of America, N.A. for five years and was engaged in homemaking for two years. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.

Frank Almendarez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Akash Chauhan is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He began his career with Northwestern Mutual as a Financial Representative in 2021 and joined Fidelity Investments the same year. At Fidelity, he has served in multiple capacities including Relationship Manager, Planning Consultant, and Investment Consultant. As a Certified Financial Planner®, Akash works closely with clients to develop financial plans tailored to their specific needs and goals. He emphasizes understanding clients' current financial circumstances to present appropriate ideas and strategies. Akash holds a California Insurance License. Outside of his professional responsibilities, he has interests in baseball, comedy, food, football, and traveling.

Michael Anki is a financial advisor at J.P. Morgan Securities with one year of industry experience. He previously worked at First Republic Bank for six years and Andersen Tax for four years. J.P. Morgan Securities 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.