Balasubramanyam Karanam is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked within various J.P. Morgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager searches, and customized performance reporting through a structured, non-discretionary program.

Daniel Sandoval is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds Series 63 and Series 65 credentials and has been with RBC since 2018. Prior to that, he worked at Raymond James and its affiliated insurance group from 2015 to 2018. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s advisory risk profile.

Minh Le is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to joining J.P. Morgan Securities, he worked at HSBC Bank, including HSBC Securities (USA) Inc. and HSBC Bank (Vietnam) Ltd. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and offers additional capabilities including derivatives and commodities.

Yuan Ting Wang is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager research, and customized performance reporting. Their advisory process combines quantitative and qualitative research, including ESG considerations, supported by a centralized manager solutions team.

Boris Spasojevic is a Financial Consultant currently working at Fidelity Investments since 2019. In this role, he partners with clients to develop financial plans and investment strategies tailored to their unique needs. He focuses on helping individuals and families work toward their life goals through disciplined planning and investing. Prior to his current position, Boris served as a Financial Adviser at JPMorgan Chase from 2012 to 2019. He holds a California Insurance License, which supports his professional services in the financial sector.

Alexander Hayes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Invesco Distributors, OppenheimerFunds, Putnam Investment Management, and New York Life Investment Management. Outside of his advisory work, he is involved with AJ Wealth & Legacy, LLC, a non-investment-related business entity. 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 financial planning and asset management services supported by extensive advisor tools and a broad platform that integrates advisory and non-advisory financial activities.

Shruti Gauba is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2011. Her prior experience includes roles at Merrill, Banc of America Investment Services, Inc., and Credit Suisse Securities (USA) LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach incorporates centralized due diligence and may include ESG eligibility frameworks.

Veronica Parengkuan is a Series 66-credentialed financial advisor with five years of industry experience. She has worked at LPL Enterprise since 2024 and previously held roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, and MassMutual Life Insurance Company. Prior to her financial services career, she spent over a decade at Dell. LPL Enterprise serves a wide range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and brokerage services through a network of investment adviser representatives.

Thach Nguyen is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. His career includes previous roles at RBC Capital Markets, LLC, Realty One Group-Infinity, World Financial Group, Inc., and Transamerica Financial Advisors. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and financial planning services.

Molly Pratt is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, having previously been employed at Bank of America, N.A. from 2015 to 2020. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sneha Karihaloo is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2018. Prior to that, she was with Farmers Financial Solutions and Farmers Insurance Group. Charles Schwab & Co., Inc. serves a large client base 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 offers a combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Melvin Honda is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His career includes roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of advising, he operates as an independent insurance agent specializing in dental, group disability income, life, accident, health, and long-term care insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers a range of programs including educational seminars and divorce planning.

Phong Ly is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked at multiple JPMorgan-affiliated entities since 2017, with prior experience at Chase from 2007 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager research, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative due diligence and includes specialized regulatory registrations that support derivatives and commodities capabilities.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors, Inc. and Investacorp Inc. He is also the owner of Trinity Financial Services, a fixed insurance business. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and managing complex affiliate relationships.

Michael Santangelo is a Series 66-registered financial advisor with 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Outside of his financial career, he has been involved with several community churches. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Paul Wong is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 1999. In addition to his advisory role, he provides notarial services for clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Corley is a Certified Financial Planner (CFP®) with over 40 years of experience in the financial services industry. He currently works at Morgan Stanley in Palo Alto, California, and has held prior positions at Wells Fargo Clearing and Prudential Equity Group. Outside of his advisory role, Corley serves on the board of the Phi Kappa Sigma fraternity at the University of California, Berkeley. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research to help clients model potential outcomes.

Sigal Barak is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley in 2024, Barak worked at Deloitte from 2022 to 2023. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Ronald Lohbeck is a financial advisor at UBS Financial Services with 57 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and RBC Capital Markets. Outside of his advisory role, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients with 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 and capital markets solutions through its proprietary platforms.

Eliezer Lopez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He operates a business under the name Sequoia Wealth Advisors & Investment Management, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.