Yitao Huang is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 12 years of industry experience, including roles at Wells Fargo Advisors and New York Life Insurance Company. Additionally, Huang is a California Notary Public providing services to clients and acquaintances. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm employs firm-approved software to analyze client goals and delivers written recommendations within collaborative annual planning engagements.

Jeffrey Gong is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and with 12 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2012. 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 and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and due diligence on alternative investments.

Ngoc Dinh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Prior to joining J.P. Morgan in 2015, Ngoc was involved with Hot Box Yoga and Xplore Yoga, where they worked for several years. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

Jairo Rodriguez Aleman is a Financial Advisor with Merrill Lynch Wealth Management, working with individuals, business owners, and families to clarify their financial priorities and develop aligned long-term strategies. He focuses on providing a structured planning process that brings clarity, organization, and confidence throughout the stages of his clients' financial lives. He holds a Bachelor's Degree from San Francisco State University and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jairo works with clients on areas including college education planning, retirement income, employee benefits, equity compensation services, tax minimization, and small business strategies. In addition to his professional work, Jairo is involved in his community as a volunteer coach in high school wrestling. He is fluent in English and Spanish.

Elif Bower is a Financial Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, managing new wealth, and women and wealth. She leverages over 20 years of experience across multiple industries to offer a comprehensive, client-focused approach. Her practice combines the investment capabilities of Merrill Lynch with the banking convenience of Bank of America to address various aspects of clients' financial lives. Elif holds a Bachelor of Science in Business Administration with a double major in Decision Sciences (Business Analytics) and Management from Old Dominion University. She has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and as a Personal Investment Advisor (PIA). Fluent in English and Turkish, with conversational Arabic, she is able to effectively communicate across diverse client bases. Committed to community involvement, Elif participates with organizations such as ETACUSA (Empowering the Turkish American Community), Preventing Child Abuse, and The Salvation Army. Outside of her professional responsibilities, she enjoys painting, cooking Mediterranean cuisine, dancing, drawing, golfing, hiking, horseback riding, music, spending time with her family, and traveling.

Carson Schmick is a Series 66-registered financial advisor at J.P. Morgan Securities with three years of industry experience. His prior work includes positions at First Republic Investment Management and Northwestern Mutual Life Insurance Company. J.P. Morgan Securities 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.

Christen Blodgett is a financial advisor with Cetera, holding Series 63 and Series 66 designations and having 17 years of industry experience. She has served in advisory roles at Cetera Advisors LLC and Crescent Capital Planning, where she is also the owner. Outside of her financial services work, Christen volunteers as a youth mentor and leads community service and social justice initiatives as Social Action Chair for a local fraternity chapter. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a large network of over 10,000 advisors.

Areeba Abdullah is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2018. Her prior roles include positions at Virtus Partners LLC and involvement with the Second Harvest Food Bank of Santa Clara and San Mateo Counties. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

James Rawson is a financial professional with eight years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at firms including Morgan Stanley, Bank of America, Merrill, and Cetera. He is also involved with Bar Financial Partners LLC, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a range of portfolio management, financial planning, and advisory services through a nationwide network of independent advisors.

Yea Bin Lee is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Lee worked at Bank of America, Fidelity Investments, and New York Life Insurance Company. Outside of finance, Lee owns and operates a sole proprietorship focused on retail e-commerce selling clothing and cosmetics. 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, and institutional investors.

Fang Wang is a Financial Advisor at Merrill Lynch Wealth Management, fluent in Mandarin Chinese and English. She specializes in assisting individuals, families, and professionals with financial decisions, focusing on college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Fang takes a personalized, goals-based approach to wealth planning, aiming to help clients achieve clarity and confidence in their financial journeys. With over 14 years of experience in client relationship management, Fang has developed expertise in cross-cultural communication and client engagement. Her background includes leading cross-functional teams and managing large-scale initiatives, which enhances her capability to listen carefully, communicate clearly, and deliver results tailored to each client's unique needs. Prior to becoming an advisor, she gained foundational experience in client service and account operations within the firm, providing her with insights into client priorities such as responsiveness, clarity, and trust. Fang holds a Bachelor's Degree from Shanghai International Studies University and carries the Personal Investment Advisor (PIA) designation. She is committed to building lasting relationships founded on trust and attentive service. Beyond her professional role, Fang participates in community activities through the Parent Teacher Association and enjoys interests including badminton, biking, cooking, dancing, music, photography, scuba diving, singing, spending time with her family, and traveling.

Victoria Makovitch is a financial advisor with Cetera, holding a Series 65 credential and three years of industry experience. Prior to joining Cetera in 2025, she worked at Avantax Advisory Services for two years. She has been involved since 2001 with Wellings & Co. and Wellings Wealth Care, where she performs tax preparation and accounting services alongside wealth management assistance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create custom strategies across various program structures.

Theresa Sellinger is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has previously worked at Next Insurance and HSBC US, as well as having been affiliated with Cornell University. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a broad investable universe.

Lindsay Adamson is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Advisors, First Republic Wealth Management, and JPMorgan Chase Bank. 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 when recommending investment strategies.

Benjamin Chang is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Charles Schwab since 2004 and Charles Schwab Bank SSB since 2015. 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 mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and alternative investments within an integrated operational structure.

Yinghui Zhou is a Financial Advisor with Merrill Lynch Wealth Management. In this role, she works directly with clients to develop strategies tailored to their short-, mid-, and long-term financial goals. She also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Yinghui's expertise includes retirement planning, general investing, and wealth management. She holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Doctorate Degree from Cranfield University and a Bachelor's Degree from Tianjin University. Yinghui is proficient in English and Mandarin. Her community involvement includes participation with Asian Family Connect (AFC) and the Children's Health Council.

Berenice Robante is a financial advisor with Charles Schwab, holding a Series 66 designation and one year of industry experience. She previously worked at BMO Bank, Citi Bank, and JPMorgan Chase Bank. Outside of finance, she has experience in the fitness industry, having worked at Pilates Athletic Center and City Sports 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios with strategic asset allocation and due diligence on alternative investments.

Robert Barry is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of advisory work, he co-owns an olive oil producing ranch in Paso Robles, California. 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 advisory solutions grounded in modern portfolio theory. The firm’s approach includes preparation and review of investment policy statements, investment recommendations, performance reporting, and participant education, with specialized options such as discretionary 3(38) services and the inclusion of insurance-related investment vehicles.

David Ho is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior work includes roles at Charles Schwab and EquityBee Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory services.

Osvaldo Rojas is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been associated with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methods such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and delivers services both directly to individuals and through Corporate Financial Planning agreements.