Paul Schreiber is a CFP®-designated financial advisor with Charles Schwab, where he has worked since 1998, totaling 28 years of industry experience. He also holds Series 63 and Series 65 licenses. Outside of his professional role, he serves as Chairman of the Finance Committee at Our Father's House church in Fremont, CA, an unpaid position involving oversight of the church's expenditures. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by centralized operational and custody infrastructure.

Huizhen Wu is a CFP®-certified financial advisor with Charles Schwab, based in Pleasanton, CA, with 25 years of industry experience. She has been with Charles Schwab since 1999 and Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves primarily 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 combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and offers a multi-asset model portfolio approach supported by centralized operational and supervisory structures.

Hongjuan Zhang is a financial advisor with Wells Fargo Clearing in Fremont, CA, holding Series 63 and Series 66 licenses and having 20 years of industry experience. Prior to joining Wells Fargo in 2025, Zhang spent nine years at HSBC Bank USA, N.A. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Bruce Lin is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Erik Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and having 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market modeling methods.

Simarjeet Kaur is a financial advisor at Fidelity with a Series 66 designation and no prior industry experience. Before joining Fidelity in 2025, Kaur worked at the Canadian Imperial Bank of Commerce from 2019 to 2024 and the State Bank of India from 2011 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, overseeing sub-advisers and incorporating AI methods in its investment process.

Robert Avey is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 31 years of industry experience, including 28 years at Securian Financial Services and a long tenure at Secure Futures/Link Allen & Associates. He also works as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Ashley Runnicles is a financial advisor at Edward Jones in Redwood City, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, Ashley worked in various roles including fitness instruction and hospitality. She has also spent time engaged in extended travel. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,000 financial advisors. The firm offers a range of advisory programs with discretionary and non-discretionary strategies and operates under a fiduciary standard.

Michael Peri is a financial advisor at Morgan Stanley with 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, holding Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Philip Camicia is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Outside of his advisory role, he is a partner in a rental property business in Alameda, California. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and modeling techniques in its financial planning process.

Gerald Gee is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and comprehensive investment research.

Mark Martin is a CFP® with 41 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marc Gambrel is a financial advisor with J.P. Morgan Securities in San Mateo, CA, holding Series 66 and Series 63 designations and four years of industry experience. His work history includes roles at JPMC Bank NA and U.S. Bank, as well as various positions in the retail sector. J.P. Morgan Securities LLC 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.

Vivek Patel is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market outcome models in its advisory process.

Christopher Symank is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets over his career. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Yitao Huang is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 12 years of industry experience, including roles at Wells Fargo Advisors and New York Life Insurance Company. Additionally, Huang is a California Notary Public providing services to clients and acquaintances. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm employs firm-approved software to analyze client goals and delivers written recommendations within collaborative annual planning engagements.

Ngoc Dinh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Prior to joining J.P. Morgan in 2015, Ngoc was involved with Hot Box Yoga and Xplore Yoga, where they worked for several 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

Chuck Wong is a CFP® professional with 18 years of industry experience, currently affiliated with Wells Fargo Clearing since 2022. His prior roles include positions at Schwab Private Client Investment Advisory, Charles Schwab & Co., TD Ameritrade, and BancWest Investment Services. Outside of finance, he holds a 50% ownership interest in a vending machine business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Maria Del Rio is a financial advisor at Morgan Stanley with 8 years of experience, holding a Series 66 designation. She previously worked at Wells Fargo Bank for 6 years before joining Morgan Stanley Smith Barney LLC in 2018. 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 employs a structured financial planning process supported by proprietary tools and models.

Dyana Mathis is a Series 65 licensed financial advisor with Fisher Investments in San Mateo, CA, where she has worked since 2014. She has nine years of industry experience. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm combines quantitative and qualitative research through a centralized investment process and employs tax-aware strategies and risk management techniques to construct diversified portfolios.