Andrew Carlisle is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at FactSet Research Systems and PricewaterhouseCoopers. He has been with Morgan Stanley Smith Barney LLC since 2022 and Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate industry-standard modeling techniques without providing individual security recommendations.

Hana Cuartelon is an advisor with LPL Financial in Fremont, CA. She holds the Series 66 designation and has experience in banking and health services, having worked at Fremont Bank and in home health care prior to joining LPL Financial. She also serves as a notary at Fremont Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, research, and advanced technologies.

Michael Hollen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory role, he is a non-manager member of Three Mutts LLC, a property management business based in Salt Lake City. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning for individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using approved tools and analytics but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Travis Benjamin is a CFP® professional with 12 years of industry experience, currently serving at Edward Jones since 2016. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved as a manager of Triumphant Estates, LLC, a rental property business in Brooklyn, NY. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets and operates through a network of over 23,700 financial advisors nationwide.

Yuying Lei is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, HSBC Securities (USA) Inc., and Cathay Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Nicholas Charbonneau is a Planning Consultant at Fidelity Investments, a role he has held since 2026. In this position, he works closely with clients to understand their financial goals and collaborates with them to develop personalized financial plans. Prior to his current role, Nicholas gained experience at Fidelity Investments as a Relationship Manager from 2025 to 2026 and as a Financial Representative from 2024 to 2025. This progression reflects his growing expertise in financial planning and client relationship management. Outside of his professional work, Nicholas has interests that include baseball, beach activities, boating, fitness, golf, and skiing.

Justin Yip is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2015. Based in Palo Alto, CA, Yip's career has been focused within Morgan Stanley's wealth management and private banking services. 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 and access to institutional resources, managing approximately $2.74 trillion in client assets.

Jose Leyva is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support non-discretionary advisory services.

Yuhsin Tseng is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2024, Tseng worked at Merrill and Bank of America for nine 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Philip Hoang is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley since 2010 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both 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 employs structured planning tools and strategies designed around their Global Investment Committee’s return estimates.

Mina Luke is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she focuses on developing personalized financial strategies by understanding her clients' unique circumstances, goals, and values. She works closely with clients to address a range of financial needs, including investing, retirement planning, and saving for unforeseen events, while also providing access to specialized banking, credit, home financing, and small business resources through Bank of America. Mina holds a Bachelor's Degree from Ain Shams University and maintains the Personal Investment Advisor (PIA) professional designation. She is proficient in English, Arabic, and French, enabling her to serve a diverse clientele. With a commitment to building one-on-one relationships, Mina emphasizes guiding clients through short-, mid-, and long-term financial goal development and management. Outside of her professional responsibilities, Mina engages in various personal interests such as chess, gymnastics, music, reading, running, soccer, spending time with family, table tennis, traveling, and watching movies.

Fiona Woo is a Financial Consultant currently at Fidelity Investments, where she has been serving since 2019 in various roles, including Financial Consultant, Financial Consultant I, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity Investments, she worked as a Financial Solutions Advisor at Merrill Edge and as a Personal Banker at Citibank. Her professional experience spans client relationship management and investment consulting. She holds a California Insurance License, supporting her ability to provide comprehensive financial planning services. Fiona partners with clients to develop personalized financial plans that align with their goals and values, offering thoughtful, ongoing guidance through different life stages. Outside of her professional work, Fiona's personal interests include music and traveling.

Marc Rogers is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Outside of advisory work, he is a screenwriter involved in script writing and attempts to sell scripts. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Raymond Carlisle is a financial advisor at Thrivent Investment Management with 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as a board member for the Birch Lakes Owners Association, overseeing common areas for commercial office properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based planning across various topics, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Gino Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He brings over 8 years of experience in the securities industry, including his previous role as a Private Client Advisor at J.P. Morgan. In that capacity, he specialized in assisting affluent bank clients by offering tailored solutions for complex personal and business financial needs through Wealth Management Platforms. Gino focuses on providing personalized advice grounded in financial analysis, aiming to help clients meet their short- and long-term goals. His expertise covers areas such as employee benefits planning, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategy. Gino holds a Bachelor of Science in Commerce from the University of Santo Tomas and the Personal Investment Advisor (PIA) designation. Outside of his professional commitments, Gino resides in San Francisco with his wife Alma and their two children. He enjoys playing golf, reading, and spending time with his family. Additionally, he participates in community activities, reflecting the tradition of community involvement upheld by Merrill.

Aaron Peabody is a financial advisor with Raymond James Financial holding a Series 66 designation and 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2023 and was previously with Summit Financial Group and Securian Financial Services. Peabody also serves as a broker for fixed insurance products. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work, along with specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Leo Meneses is a Senior Financial Advisor at Merrill Lynch Wealth Management. He offers a comprehensive approach to wealth management that begins with understanding a client's family, financial situation, and priorities. Leo helps clients develop customized strategies that are adaptable to changing needs and market conditions, utilizing investment insights from Merrill and banking services from Bank of America. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income planning. Leo holds a Bachelor's Degree from San Jose State and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Leo is involved in the community as a Millbrae Recreation Baseball Coach. He enjoys spending time with his family and engaging in activities such as baseball, biking, football, hiking, reading, running, swimming, traveling, and watching movies.

Jessica Chan is a CFP® with 11 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to her advisory role, she is a part-time instructor teaching personal financial planning courses at UC Berkeley Extension. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses technology-based analysis tools and offers specialized planning programs including estate settlement and employer-sponsored planning.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Jacob Rabin is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Carbahal and Company, and Upwelling Capital. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.