Michelle Chang is a Financial Advisor at Merrill Lynch Wealth Management. She brings over 16 years of experience in the finance industry, focusing on simplifying and clarifying the complexities of investing for her clients. In her role, Michelle connects all aspects of a client's financial life to prioritize and pursue their most important goals. Her areas of expertise include customized wealth and retirement planning, fixed income investments such as CDs, bond laddering, preferred securities, and tax-free municipal bonds. She also specializes in education planning, including 529 plans and education analysis. Michelle's approach considers factors like risk tolerance, time horizon, liquidity, and tax sensitivity to tailor strategies that meet clients' unique needs. Michelle holds a Bachelor's Degree from the University of California System and is a Personal Investment Advisor (PIA).

Thomas Mccue is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment modeling techniques.

John Lopez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and approved tools without providing individual security recommendations as part of standalone plans.

Nicholas Graham is a Series 66 credentialed advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, his work history includes roles at several companies in different sectors such as Master Arts Graphics Inc. and various food service establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Adam Pasco is a financial advisor at Morgan Stanley in Mountain View, CA, holding a Series 66 designation with seven years of industry experience. He has worked at Morgan Stanley since 2017, with prior experience at California Polytechnic State University. Morgan Stanley Wealth Management is a large SEC-registered adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Christopher Lewis is a CFP® with eight years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services in San Jose, CA. He has been affiliated with MML Investors Services, LLC since 2018 and has also worked with Mass Mutual Life Insurance Co since 2016. Outside of his financial advisory role, he provides private baseball hitting instruction to young players. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that supports individuals, business owners, trusts, estates, charitable organizations, and employers through financial planning, asset management, and educational seminars. The firm emphasizes collaborative planning engagements using firm-approved tools to analyze client goals and deliver written recommendations.

Ian Bushell is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. His prior work includes roles at LPL Enterprise LLC, Santa Clara University, and Monte Vista High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Victoria Simpson is a financial advisor at Ameriprise with 12 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its related entities since 2008. Based in Santa Clara, CA, her career has been focused within this firm. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice, emphasizing dependable income sources and tax-aware withdrawal strategies.

Brighton Sugimura is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, Brighton held various positions in education and accounting-related roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage funds.

Fei Liu is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Wells Fargo Bank N.A. and Wells Fargo Clearing Services LLC since 2014 and 2019, respectively. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and provides both brokerage and advisory services, utilizing research from Wells Fargo Investment Institute and third-party sources to support diversified portfolio strategies.

Gavan Wang is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and seven years of industry experience. He has been with UBS since 2018 and previously worked at State Street Corporation for three years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor advice to client goals and risk tolerance.

Timothy Freeland is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank, SSB since 2015. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Yaqiong Zhong is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley in 2019, she worked at Fly High and USC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, combining financial planning with access to diverse investment products and services. The firm’s planning process incorporates structured discovery and firm-approved tools, serving approximately $2.74 trillion in client assets.

David Solomon is a Series 66-licensed financial advisor with 16 years of industry experience, currently affiliated with LPL Enterprise since 2024. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as involvement in residential real estate sales and marketing through Coldwell Banker in San Jose. He combines insurance and financial advisory services in his professional background. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and a range of affiliated non-securities products and services.

Jackson Thoreson is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2024. Prior to that, he spent five years with Bank of America, N.A. and Merrill. Outside of his advisory role, he is involved in coaching baseball at Bellarmine College Preparatory and College Park Baseball. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional financial services.

Ngoc Thuy Linh Ngo is a financial advisor with Merrill based in San Jose, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Ngo held positions at Bank of America and engaged in educational roles at Evergreen Valley College and San Jose State University. Ngo has also been involved with Unidos US and Teasociety in prior years. Merrill, together 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Xiaoqing Yan is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at Guotai Junan Securities and PwC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research to build model asset allocations and offers broader derivatives and commodities capabilities through various regulatory registrations.

Mitchel Cunningham is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he held roles at technology firms including Oracle NetSuite, Fivetran, and Zoom Video Communications. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning using firm-approved tools and offers tailored plans supported by comprehensive investment research and modeling.

Kimberly Glowacki is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 63 designation and 26 years of industry experience. She previously worked at A. G. Edwards & Sons, Inc. for seven years before joining Wells Fargo Clearing in 2016. 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.

William Olesinski is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms including Merrill, JPMorgan Chase Bank, and Bank of America. Outside of finance, he was involved with The Patio at Rudy's for seven years. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a process that combines proprietary research with quantitative and algorithmic portfolio construction. The firm is noted for its use of model portfolios, algorithmic methods, and its advisory roles with registered investment companies.