Bryan Furlong is a financial advisor at Morgan Stanley with 41 years of industry experience and holds a Series 63 designation. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs including tailored financial planning, utilizing structured discovery processes and firm-approved tools to support client goals.

Alice Chen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 24 years of industry experience. She has previously worked at Merrill, JP Morgan Securities, and Bank of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. 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.

Tony Mak is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2014. 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 recommendations on a non-discretionary basis while clients retain final decision-making authority.

Gregory Quinlan is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad 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 financial planning tools supported by its Global Investment Committee.

Irene Cho is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She has held roles at Wells Fargo Advisors LLC, Morgan Stanley Private Bank, N.A., and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ka Man Chan is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and possessing 20 years of industry experience. Prior to joining Mass Mutual Investors Services, Chan worked at TD Ameritrade Investment Management and TD Ameritrade, Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software tools for client goal analysis and delivering collaborative, annual planning relationships.

Ben Szeto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stuart Epstein is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2017 and Morgan Stanley Smith Barney since 2009, as well as experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Clark Cole is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 66 designation and has worked previously at Business Wire and Navis. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds.

Brendan Carlyle is a financial advisor at UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Prior to joining UBS, he worked at the County of Santa Clara, The Home Depot, and Target, and attended Santa Clara University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients’ goals and risk tolerances.

Nephi Wijckmans is the Vice President and Private Wealth Management Advisor at Fidelity Investments. In his current role, he focuses on wealth management, providing clients with integrated financial planning and investment strategies. He has been with Fidelity Investments since 2000, holding various positions including Financial Planning Consultant, Investment Management Consultant, and Private Wealth Management Advisor. Prior to Fidelity, Nephi worked in roles such as Exclusive Agent at Allstate and Regional Vice President at Fisher Investments. His experience spans wealth management, investment consulting, and financial planning. Outside of his professional responsibilities, Nephi participates in family activities, golf, traveling, and volunteering.

John Odea is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. Prior to joining Raymond James in 2023, he worked at Summit Financial and Securian Financial Services. Outside of his advisory role, he is also an insurance agent focusing on life, disability, and long-term care insurance. 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, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and supports municipal and public finance work through its unique affiliations.

Harry Bonn is a financial advisor at Cetera with over 50 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Bonn has held positions at several firms including Woodbury Financial Services, Minnesota Life Insurance Company, and Securian Financial Services. He is also the managing partner of Bay Area Wealth Management Group LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management programs and access to third-party money managers.

Yun Huang is a Series 66 licensed financial advisor with 18 years of industry experience, currently with Charles Schwab. Prior to joining Schwab in 2022, Huang worked for Wells Fargo affiliates from 2006 to 2021. Outside of finance, Huang teaches yoga and meditation through Shaolin Temple USA and owns The Awaken Zone in Union City, CA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals with a range of advisory, brokerage, and custody services. The firm offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational platform.

Danielle Pettiette Erlinger is a Financial Consultant at Fidelity Investments. She works closely with clients and their families to provide them with the tools necessary to make informed financial decisions and develop comprehensive financial plans. Danielle has been with Fidelity Investments since 2019, progressing through roles including Financial Services Representative, Relationship Manager, Investment Consultant, and currently serving as a Financial Consultant. She holds a CA Insurance License and the Certified Financial Planner (CFP®) designation. Outside of her professional work, Danielle engages in activities such as running, skiing, traveling, and yoga.

John Vandenberg is a Financial Consultant currently working at Fidelity since 2021. He has experience in financial consulting and advising roles, having previously served as Vice President and Financial Consultant at Charles Schwab from 2016 to 2021, and as a Financial Advisor at Morgan Stanley from 2013 to 2016. John holds a California Insurance License. John focuses on understanding clients' unique financial situations to develop customized plans aligned with their investment objectives, preferences, and constraints. His approach emphasizes building trusted relationships based on honesty, integrity, and transparency. Outside of his professional work, John is involved in activities such as fitness, social events with friends, hiking, parenthood, traveling, and volunteering.

Brian Bechelli is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, and J.P. Morgan Securities and Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Suna Yalaz Angell is a CFP® professional with 18 years of experience in the financial services industry. She is currently with Morgan Stanley in Palo Alto, CA, having previously worked at Bank of America, Merrill, and Parallel Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through direct engagements and corporate financial planning agreements.

Nickitas Panayotou is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He has recently entered the industry with approximately one year of experience, including prior roles at Charles Schwab and his own entity, Nickitas 7280. Outside of his advisory work, he holds a legal title as CEO and board member of Golden Anchor Auctions Incorporated, a non-operational automotive sales company with minimal personal involvement. Charles Schwab 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 SMAs and employs a multi-asset model portfolio approach alongside centralized custody and order-routing services.

Winnie Guo is a CFP® professional with seven years of industry experience, currently serving at Charles Schwab since 2019. Her prior experience includes roles at Morgan Stanley, JP Morgan Chase, and Bank of America. Outside of her advisory work, she provides in-home care services for family members. Charles Schwab serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary strategies and offers a centralized, integrated platform for custody, brokerage, and investment guidance.