Randall Ng is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Chase Bank and Charles Schwab. 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 and fund searches, and customized performance reporting. The firm’s process combines quantitative and qualitative research with forward-looking capital market assumptions and includes broad derivatives and commodities capabilities.

Erik Jue is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following a nine-year tenure at CitiGroup. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm-approved tools and analyses such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Frank Bisceglia is a financial advisor at UBS Financial Services with 48 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor plans based on clients’ goals and risk tolerances.

Anthony Valle is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank, N.A. since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Brian Higashi is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Ellen Sheldon is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, Merrill, and several other firms. Outside of her advisory role, she is a partner in Keene Propane Corporation, a family-owned business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a team of Wealth Advisors. Their approach combines quantitative and qualitative research to deliver written asset allocation advice and manager searches, with clients retaining final decision-making authority.

Ryskiem Henderson is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he provides guidance and ongoing support to clients in areas such as retirement planning, wealth building, asset preservation, and financial legacy creation. He has held financial consultancy and advisory roles across several firms, including TrueStage Financial (2022-2024), CUSO Financial Services (2020-2022), Mass Mutual Investor Services (2017-2020) as a Registered Investment Advisor, MetLife Securities as a Registered Investment Advisor (2013-2017) and earlier as a Financial Consultant (2002-2008), as well as serving as Managing Director at Princor Financial Services (2009-2011). He holds a California Insurance License. Outside of his professional work, Ryskiem engages in family activities, music, soccer, and traveling.

Violet Chen is a Financial Consultant currently working at Fidelity Investments since 2023. She has over a decade of experience in financial services, with a focus on comprehensive financial planning. Violet partners with clients to develop tailored financial plans that align with their long-term goals, offering guidance on asset allocation, asset location, withdrawal strategies, and tax-efficient investing. Prior to her current role, Violet worked as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2023, a Relationship Manager at Bank of America from 2017 to 2019, and a Client Associate at Wealth APD from 2014 to 2016. She holds a California Insurance License.

John Liu is a Series 66-licensed financial advisor with nine years of industry experience, currently affiliated with Wells Fargo Clearing since 2017. Prior to his financial career, he spent 11 years at the Defense Manpower Data Center. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages over $671 billion in assets and emphasizes research-driven investment approaches supported by Wells Fargo Investment Institute and third-party analytics.

Melissa Sablan is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2007 following 12 years with the Guam Economic Development Authority, where she supported local business initiatives through government programs. Melissa’s professional background also includes experience with an engineering firm and collaboration in launching an environmental services company. She serves a diverse clientele comprising business owners, entrepreneurs, and multigenerational families. Melissa’s expertise lies in areas such as college education planning, family wealth management, legacy planning, portfolio management, and investment consulting for various organizations. She emphasizes financial education, guiding clients to anticipate future financial needs and helping them develop investment strategies aimed at achieving their goals while preserving accumulated wealth. She leverages resources from Merrill and Bank of America to provide comprehensive financial solutions. Melissa holds a high school diploma from the Academy of Our Lady of Guam and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). With strong ties to Guam, she is involved in community initiatives such as the annual St. Fidelis Friary Christmas Village and organizing a medical mission to the island of Rota. Her personal interests include boating, fishing, cooking, genealogy, traveling, and spending time with her family.

Ravindra Anaparti is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, along with prior experience at Rashi Ventures and Passport Capital. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process 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.

Gabrielle Bechwati is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with five years at the firm and a total of four years of industry experience. Her prior work includes positions at Lewis Brisbois Bisgaard and various roles outside finance such as at Lacrosse Academy OC and Chapman University. Charles Schwab & Co., Inc. provides wealth advisory and managed account services primarily to high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by Schwab’s research and due diligence.

Mauludin Ghafari is a financial advisor at J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 credentials with 18 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and was previously with Merrill from 2010 to 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary advisory program. The firm’s advisory process includes centralized due diligence, quantitative and qualitative research, and may incorporate ESG criteria in its recommendations.

Anna Wu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with Morgan Stanley since 2010, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market scenario modeling.

Cory Barraclough is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on delivering integrated, long-term financial strategies to senior professionals and leaders, particularly in the Bay Area technology sector. He works alongside his team to guide clients through complex compensation structures, retirement planning, cash flow management, and wealth preservation to create durable financial outcomes. Barraclough holds a Bachelor's Degree from Santa Clara University and is a Personal Investment Advisor (PIA). Fluent in both Spanish and English, he emphasizes a coordinated approach by collaborating with clients' legal and tax professionals to ensure comprehensive financial planning. His client focus areas include executive compensation, equity compensation services, family wealth management strategies, liquidity management, and socially responsible investing. In addition to his professional responsibilities, Cory Barraclough participates in community activities, volunteering with organizations such as the American Legion and Hope Services. His personal interests include adventure sports, chess, cooking, golfing, reading, rock climbing, running, skiing, spending time with family, and traveling.

Vanessa Young is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities since 2023. Additionally, she has been employed at 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 written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities through affiliated entities.

Todd Ringoen is a financial advisor with UBS Financial Services in Hillsborough, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with UBS since 1997. Outside of his advisory role, he serves as a trustee for the KLEF radio station and provides guidance for the University of Oregon Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Robert Stoll serves as Senior Resident Director at Merrill Lynch Wealth Management in Guam. He oversees the management of the Guam office and acts as the relationship manager for clients within the Stoll-Sablan Group. In this capacity, he focuses on delivering a client experience that meets and exceeds expectations, helping clients pursue their long-term financial goals through personalized strategies. Rob joined Merrill in 1996, continuing a family tradition started by his father. His expertise includes individual and corporate investment strategy, tax minimization, and retirement income planning. He holds a Bachelor's degree in international business from Seattle University and has earned the Personal Investment Advisor (PIA) designation. Raised in Guam, Robert is active in the local community, having served on boards such as Big Brothers Big Sisters of Guam and the Rotary Club of Guam. Outside of work, he enjoys golfing and spending time with his wife, Amber, and their two daughters.

Gen Tri is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2022. In this capacity, Gen partners with clients by educating and empowering them to understand their financial situation and make sound decisions to pursue their lifelong goals. Gen has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Investment Consultant, Central Relationship Manager, Retirement Solutions Representative, Premium Service Representative, and Financial Representative. This extensive experience reflects a deep understanding of financial consulting and client relationship management. Gen holds a California Insurance License. Outside of professional responsibilities, Gen has interests in fitness, food, snowboarding, tennis, and traveling.