Joanne Cirocco is a financial advisor with Ameriprise in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Daniel Ayala Jr. is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 credential and having 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo bank since 2007. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, with a focus on research-driven investment management and a broad range of financial products.

Elizabeth Meyer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, Meyer is involved in spiritual development as a teacher and author, and she owns Golden Hour Video. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Michael Ngo is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade in various roles since 2016. Charles Schwab 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, offering a combination of non-discretionary and discretionary investment solutions supported by centralized custody and operational infrastructure.

Dante Collins is a Series 66-credentialed financial advisor with six years of industry experience, currently working at Morgan Stanley in Menlo Park, CA. He has been with Morgan Stanley Smith Barney LLC since 2020 and Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory role, Collins has been involved with organizations focused on mental health and developmental disabilities, including YAI CA START and Autism Living Leisure Education and Nurturing. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning methodologies and offers a variety of investment and advisory solutions across retail and institutional sectors.

Mark Beach is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. His prior roles include positions at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory work, he is the owner of a for-profit business focused on rental property. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Michael Craig is a financial advisor with Merrill in San Jose, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Merrill since 1983 and also at Bank of America since 2009. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Zulema Morales Sandoval is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Her prior roles include positions at JPMorgan Chase & Co. and Red Envelope Financial Planning, Inc. She has also spent several years engaged in full-time education. 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 and discretionary investment management supported by a large-scale, integrated operational platform.

Dino Marraccini is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with three years of industry experience. His prior work includes roles at J.P. Morgan Chase Bank, J.P. Morgan Securities, Merrill Lynch, and earlier positions in retail and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

George Bettisworth is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63, 65, and 66 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a director for the Almaden Hills Estates Homeowners Association and is a board member of both Frontline Fellowship USA and The Home Church Almaden Hills. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates firm-approved tools and models while offering a broad range of retail and institutional investment products.

Erica Wu is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds a Series 66 designation and has worked at firms including JP Morgan Chase Bank and Cetera. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Malouf is a financial advisor at Charles Schwab in Menlo Park, CA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Charles Schwab Bank, Fit Local Fit, and Cheese Boutique. 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 discretionary separately managed accounts and offers a multi-asset investment approach supported by in-house research and alternative investment options.

Joshua Inahara is a financial advisor at UBS Financial Services in Palo Alto, California, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Avanti Sports and as a staff member at the University of Washington and The American School in Japan. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and access to a broad range of capital markets and research resources.

Kurt Carrasquilla is a financial advisor with Morgan Stanley in San Jose, California, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked at Morgan Stanley and its affiliates since 2009 and previously at Citigroup Global Markets from 1993 to 2009. Outside of his advisory role, he teaches investment-related courses at the University of California, Berkeley, and Stanford University and serves on the CFP Program Advisory Board at UC Berkeley. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

David Sanepour is a financial advisor with LPL Enterprise who holds a Series 66 designation and has one year of industry experience. His prior roles include five years with World Financial Group and four years at Berkshire Hathaway HomeServices California Properties. He also teaches investment-related courses at Pasadena City College. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Andrew Carlisle is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at FactSet Research Systems and PricewaterhouseCoopers. He has been with Morgan Stanley Smith Barney LLC since 2022 and Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate industry-standard modeling techniques without providing individual security recommendations.

Tennyson Zhu is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities, and he has also worked at Merrill Lynch and Marsh & McLennan Insurance Agency. Zhu has been involved with the Youth Men's Christian Association (YMCA), reflecting engagement outside the financial sector. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, while offering both retail and institutional investment options.

Hana Cuartelon is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, she worked at Fremont Bank from 2019 to 2025 and has experience in the home health and banking sectors. She also serves as a notary at Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of representatives. The firm offers a range of investment programs and institutional platforms, utilizing various strategies including model portfolios and third-party management.

Michael Hollen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory role, he is a non-manager member of Three Mutts LLC, a property management business based in Salt Lake City. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning for individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using approved tools and analytics but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Yuying Lei is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, HSBC Securities (USA) Inc., and Cathay Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.