Lovely Agnihotri is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and 10 years of industry experience. Her work history includes roles at HSBC Securities (USA) Inc., Cathay Bank, and Wells Fargo Bank, nA. She also took periods away from the industry to be a stay-at-home mom. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute with third-party data and applies diversification principles and modern portfolio theory in its investment evaluations.

Michael Sullivan is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2015. He is based in San Mateo, CA. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques to support its advisory services.

Jeremy Hsia is a financial advisor at Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2019, preceded by roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank, N.A., as well as a period of self-employment. 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. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Jonathan Reynolds is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He supports clients in making informed investment and financial decisions by guiding them through a disciplined planning process and utilizing Fidelity's resources to create customized financial plans tailored to their unique family needs. Jonathan has been with Fidelity Investments since 2017, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Service Representative at Forex Capital Markets from 2015 to 2017. He holds a California Insurance License.

Hongze Chen is a CFP® professional with 28 years of experience in the financial services industry. He has worked at MassMutual Investors Services since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Prior to that, he spent 18 years at Metlife Securities Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Andrew Tomlinson is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2018. He works closely with clients to develop comprehensive retirement income strategies, addressing tax-efficient investing and navigating key retirement risks. His collaborative, detail-oriented approach supports families in preserving their wealth and working toward long-term financial goals. He has been with Fidelity Investments since 2012, progressing through roles including Private Client Specialist, Investments Representative, and Financial Consultant before his current position. Andrew holds a California insurance license. Outside of his professional work, Andrew's personal interests include cars, concerts, gardening, hiking, pets, and running.

Allan Abrams is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Cetera Advisor Networks, Reliastar, VOYA Financial Advisors, and operated Abrams Insurance & Investments for 35 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Kenneth Flax is a financial advisor with UBS Financial Services in Weehawken, NJ, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked at UBS Financial Services since 2006 and previously at U.S. Bancorp Piper Jaffray Inc. since 2002. UBS Financial Services 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-based investment strategies tailored to clients’ goals and risk tolerances.

Pamela Takacs is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to assist clients in customizing their financial plans to work towards achieving their financial goals. She has been in this role since 2023. Prior to her current position, Pamela served as a Relationship Manager at Fidelity Investments from 2011 to 2022. She holds a California Insurance License.

Michael Hughes is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors Financial Network LLC, Citigroup Global Markets, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a variety of financial planning and investment management solutions.

Daniel Sanchez is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with three years of industry experience. His prior work includes multiple roles at Morgan Stanley and a brief period in extended travel. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers tailored financial planning using structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Htet Htet Aung is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. Prior to joining Fidelity, Htet worked at Charles Schwab and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory services. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, supporting its advisory role to multiple registered investment companies and delivering model portfolios to intermediary platforms.

Laihingester Ng is a financial advisor at Ameriprise with 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Ng serves as treasurer on the boards of the Los Altos Rotary Aids Project and the San Jose Christian Alliance Church. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored recommendations delivered through a centralized consulting team.

Sibyl Woo is a financial advisor at Morgan Stanley with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., The Vanguard Group, and the University of California Merced. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning using firm-approved tools and structured discovery processes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Qiao Li is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities, Li worked at Citigroup/Citibank and Bank of Hebel. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Elena Fassio is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her previous roles include positions at Global Wealth Partners and Levcor, Inc. She has an academic background from Villanova University and experience working in education-related roles prior to entering the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers a range of services including discretionary portfolio management and fund advisory, and is noted for its use of systematic methodologies and involvement with registered investment companies.

Suet Wong is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab, Wong worked at Guarmor and San Francisco State University. Outside of advisory work, Wong is involved in property management for a real estate business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, brokerage, and custody services.

Michael Laport is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds the Series 66 designation and has been with UBS since 2006. Outside of his advisory role, he is the owner and president of LAPORT GROUP LLC, an engineering consulting firm. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Steven Bono is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 66 licenses and possessing 31 years of industry experience. He previously worked at First Republic Securities Company and First Republic Investment Management from 2015 to 2023. Outside of his advisory role, Bono serves on the boards of the 49ers Foundation and Lamonica’s Pizza Dough Company, contributing to nonprofit and manufacturing sectors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, delivering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning and corporate financial planning agreements.

Weijie Yuan is a financial advisor with Merrill in Mountain View, CA, holding a Series 66 designation and four years of industry experience. He has been with Merrill and Bank of America since 2019. Prior to his current role, he held positions at Premier Nissan of San Jose and Next Generation Marketing Inc. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.