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 with J.P. Morgan Securities in Mountain View, CA, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. His career includes multiple tenures at J.P. Morgan Securities and JPMorgan Chase Bank, as well as experience at Wells Fargo Clearing and Chase Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program integrates quantitative and qualitative manager due diligence and includes access to broader derivatives and commodities 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 with OSAIC holding a Series 63 designation and 45 years of industry experience. She previously worked at Securities America Advisors, Inc. and Foothill Securities, Inc., and has operated her own tax preparation and planning business since 1984. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform that includes comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with multiple program options and maintains complex affiliations and private-equity ownership.

Morena Palacios is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing from 2016 to 2025 before joining Wells Fargo Advisors in 2025. Based in San Jose, CA, she provides financial advisory services through a large institutional firm. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to develop tailored recommendations for clients.

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 12 years of industry experience. Ngoc holds Series 63 and Series 65 designations and has been with Wells Fargo-related entities since 2011. Outside of finance, Ngoc is a photographer and owns a photography business based in San Jose, CA. 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 a range of brokerage and advisory solutions supported by extensive research and analytics.

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 minority equity stake in Clinova Ltd, a private healthcare company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative due diligence and may incorporate an ESG eligibility framework.

Elizabeth Kent Levy is a financial advisor at Morgan Stanley with 29 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets from 1995 to 2009. She holds Series 63 and Series 65 licenses. 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 and financial planning services supported by structured discovery processes and advanced modeling tools.

Benjamin Sowards is an advisor with LPL Financial based in Campbell, CA, with one year of industry experience. He has been co-owner of the Sowards Law Firm since 2009. Outside of financial advising, he is involved in legal marketing and management through a firm he established, as well as co-owning business entities related to those efforts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Ryan Cole is a financial advisor with Morgan Stanley in Los Gatos, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include seven years at Fisher Investments and combined positions at Wells Fargo bank and Wells Fargo Clearing. He has been with Morgan Stanley and its private bank since 2025. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Ho Yu Liu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2022, Mr. Liu worked at several financial institutions including Bank of America, Citibank, J.P. Morgan Securities, and Bank of The Orient. He also gained experience outside finance with roles in engineering and construction firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by structured discovery processes and proprietary modeling tools.

Shan Shan Wu is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 11 years of industry experience. Her prior experience includes roles at UBS Financial Services and Wells Fargo Clearing. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Weiqing Li is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Li focuses on helping clients identify their financial priorities and develop strategies aligned with their goals. Li's approach emphasizes a clear understanding of client values to guide financial planning. Li holds a Master's Degree from the University of Science and Technology Beijing, a Master's Degree from the University of Southern California, and a Bachelor's Degree from Shaanxi University of Science and Technology. Li is also designated as a Personal Investment Advisor (PIA). Proficient in English, Chinese, Mandarin, and Taiwanese, Li is equipped to serve a diverse client base.

Nhi Nguyen is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 designation and has previously worked at First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Robert Half Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating an ESG eligibility framework and broader derivatives and commodities capabilities.

Christian Galvez is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His background includes roles in education at Santa Clara University and executive education at Stanford Graduate School of Business. He has also worked in the retail and hospitality sectors with Lunardi's Market and The Cask Wine and Bar. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory services to individuals and institutions. The firm employs structured financial planning processes and serves clients through both individual and corporate financial planning agreements.