Yi Charn Chen is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2019, Chen worked at Apple and Whole Foods Market. 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 applying an ESG eligibility framework in its recommendations.

Anil Gulati is a financial advisor at Osaic Wealth, Inc. with 43 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Osaic in 2024, he spent 15 years at Woodbury Financial Services. Gulati serves as a director for the Indian Chamber of Commerce, a nonprofit organization. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to multiple advisory platforms and third-party money managers. The firm employs a variety of asset-allocation tools and management approaches to create diversified portfolios tailored to client needs.

Carmen Ibrahim is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2017 and previously held roles at Lending Club and Bank of America. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

John Seibel is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as Vice President at Fisher Investments from 2001 to 2024. Over his career spanning more than 20 years, John has worked with thousands of high-net-worth investors to plan, build, and protect their unique financial needs. He holds a California Insurance License, which supports his professional capabilities in financial consulting. Outside of his professional work, John has personal interests in baseball, family activities, fitness, movies, and tennis.

Jennifer Cai is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2022, following previous roles at RBC Capital Markets and WageWorks, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Elise Mincey is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015 and 2016, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Matthew Kerr is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and is based in Menlo Park, California. Outside of his advisory role, Kerr is involved in the restaurant business as an employee at Alice's Restaurant, a Woodside-based establishment he has been with since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm utilizes structured discovery processes and firm-approved tools to develop plans, managing approximately $2.74 trillion in client assets.

Michael Sosnow is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs and tailored financial planning. The firm’s approach includes structured discovery processes and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Jack Teale is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016, with prior roles at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory work, he is a co-owner of a property rental business in Mountain View, California. 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, distribution, and investment management capabilities.

Jack Wong is a financial advisor with Morgan Stanley in Saratoga, California, holding a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2011. Outside of his advisory work, he owns a rental property managed by a third party. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market simulations.

Nicholas Thornhill II is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in assisting individuals, families, and business owners in achieving their financial objectives through tailored wealth management strategies. He focuses on areas including executive compensation, equity compensation services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and tax minimization. Nicholas works closely with clients to understand their priorities and develop customized approaches for investment management, retirement readiness, risk management, and wealth transfer. He holds a Master of Business Administration (MBA) from the University of North Carolina System and carries the Personal Investment Advisor (PIA) designation. He communicates in both English and Spanish. Outside of his professional role, Nicholas is involved with King's Charity Inc. He enjoys boating, cooking, fishing, golfing, pickleball, scuba diving, skiing, surfing, traveling, and spending time with his family.

Kathleen M. Snodgrass is a financial advisor at UBS Financial Services with 35 years of industry experience. She has been with UBS since 1992 and holds Series 63 and Series 65 licenses. Snodgrass serves on the investment committee of the Hanna Boys Center, a faith-based nonprofit residential treatment center for at-risk teenage boys, and is a board member and investment committee participant at Mercy Investment Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored using proprietary research and capital market assumptions.

Cathleen Petersen is a financial advisor at OSAIC with 45 years of industry experience. She holds a Series 63 designation and has worked previously at Securities America Advisors, Inc. and Foothill Securities, Inc. In addition to her advisory work, she owns a tax preparation and planning business that serves individuals and businesses. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of portfolio management options using firm-provided allocation and risk tools, supported by multiple advisory platforms and third-party service providers.

Morena Palacios is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors and its affiliated entities since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special-needs, and divorce, using proprietary research and planning tools.

Sirma Tzoutzova serves as the Regional Vice President for Fidelity Private Wealth Management in the Western United States. In this role, she leads advisory teams focused on assisting ultra-high-net-worth clients and families with wealth preservation, growth, and transfer through personalized and integrated planning and investment strategies. Her professional experience includes positions at Fidelity Investments, where she held roles as Wealth Management Advisor from 2017 to 2021, Senior Account Executive from 2005 to 2013, Investments Representative from 2000 to 2003, and Participant Services Representative from 1999 to 2000. She also served as Managing Director at Silicon Valley Bank from 2013 to 2017. Sirma holds a California Insurance License. Outside of her professional pursuits, she has interests in fitness, social events, golf, parenthood, traveling, and yoga.

Ngoc Tran is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC and ongoing tenure with Wells Fargo Bank, N.A. outside of his advisory role, he owns and operates a photography business in San Jose. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Bryan Carp is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with six years of industry experience. He has been with Morgan Stanley since 2017 and also worked at Postmates from 2016 to 2024. 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 and financial planning services supported by structured discovery processes and proprietary planning tools.

Daire Hogan is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients with a 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 planning process supported by firm-approved tools and models.

Robert Schloer is a financial advisor at J.P. Morgan Securities with two years of industry experience. He previously worked at Credit Suisse Hong Kong Ltd for eleven years. Outside of his advisory role, he holds a passive minority equity stake in Clinova Ltd, a healthcare company. J.P. Morgan Securities 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 non-discretionary advisory program.

Elizabeth Kent Levy is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2009, following prior tenure at Citigroup Global Markets. 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 and financial planning services, managing approximately $2.74 trillion in client assets.