Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Zhiqi Tang is a financial advisor at Ameriprise with three years of industry experience. He previously worked at Houlihan Lokey Capital and has held roles at several other firms and academic institutions. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Adoree Lee is a financial advisor at Morgan Stanley in San Jose, CA, with 17 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at Merrill for 16 years and Rockefeller Financial LLC for one year. 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, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass comprehensive planning and investment management.

Michael Simon is a Financial Consultant at Fidelity Investments, where he collaborates with individuals and families to develop investment plans tailored to their unique priorities and values. He focuses on providing education, resources, and strategies to help clients establish and maintain a path toward their financial goals. Michael has held various roles at Fidelity Investments since 2022, including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. He holds a California Insurance License. Outside of his professional work, Michael enjoys cooking and baking, playing golf, visiting museums, reading, skiing, and traveling.

Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Alan Silverberg is a Series 66-credentialed financial advisor with Morgan Stanley in San Jose, CA, and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Tianyi Hao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan entities since 2018, including at J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with a focus on non-discretionary, client-directed portfolio management.

Li Chaoying is a financial advisor at Merrill with a Series 66 designation and experience beginning in 2022. Prior to joining Merrill and Bank of America, Li worked at CITIBANK, JVTEA TEATOP, and AT&T. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional investors.

Adela Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works with a diverse client base that includes business owners, dentists, management professionals, women, and members of the Chinese community. Fluent in English and Chinese, she communicates effectively about various investment aspects, including Employee Stock Option Plans (ESOP) and Employee Stock Purchase Plans (ESPP). With professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), Adela follows a disciplined process to understand her clients' values and develop personalized financial strategies. She holds a Bachelor's Degree from Fu Jen Catholic University and a Master's Degree from Northern Illinois University. Beyond her professional role, Adela is an author of two books and has raised three children as a single mother. She is actively involved in community service, having served as President of the ROC Villages Association of Northern California, participating in the San Francisco Taiko Group as a drummer, and contributing to organizations such as Tzu Chi USA and the Organization of Special Needs Family.

Douglas Brady is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Morgan Stanley in various capacities from 2012 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor strategies to client goals and risk tolerances.

Blair Hansen is a financial advisor at Osaic Wealth with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Securities America, KMS Financial Services, and National Planning Corp. Hansen is also involved with Hansen Wealth Management, where he acts as an insurance agent using third-party vendors as needed. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a model-based investment approach featuring asset allocation, portfolio optimization, and a variety of managed account programs supported by its extensive advisor platform.

Harry Saputra is an Investment Consultant currently working at Fidelity Investment since 2025. In this role, he assists clients in working toward their financial goals through planning and personalized guidance. Prior to his current position, Harry was a Senior Premier Banker at Wells Fargo Bank from 2022 to 2025 and a Senior Banker at PNC Bank from 2020 to 2022. He holds a California Insurance License. Outside of his professional career, Harry has interests in activities such as visiting the beach, family activities, fitness, food, and movies.

Quang Nguyen is a financial advisor with Charles Schwab in Cupertino, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Charles Schwab Bank, Charles Schwab, TD Ameritrade Investment Management, TD Ameritrade, and Fidelity Investments. 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 and discretionary investment solutions with a multi-asset model portfolio approach and centralized custody and operational capabilities.

Nicole Anzoategui is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley and its affiliates since 2013. Outside of her advisory role, she is a partner in an energy company and owns several rental properties, though she is not actively involved in their management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Catherine Shen is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 65 and Series 63 licenses and having two years of industry experience. She previously worked at Compass for eight years and has been with Morgan Stanley and its Private Bank division since 2023. 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 financial planning that incorporates structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Vincent Sunzeri is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Nan Lee is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015. Outside of advising, she is an officer of Chang & Lee Services Inc., a corporation providing UPS shipping and mailbox rental services, and is involved as a member in Atomy America, Inc., which operates online network marketing. 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, and various institutional investors.

Marisa Otto is a CFP®-credentialed financial advisor with Edward Jones, based in Morgan Hill, CA. She has 23 years of industry experience and has been with Edward Jones since 2002. Outside of her advisory role, she serves as a board member and scholarship committee member for the Rotary Club of San Jose East/Evergreen. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Julie Liske is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo since 2016. Prior to that, she spent over a decade at Morgan Stanley in various roles. Outside of her advisory work, she serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.