David Foguet is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Since 2023, he has also provided financial and tax planning services as a Certified Public Accountant, offering budgeting advice, tax preparation, and financial statement analysis. MML Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, and charitable organizations with financial planning, asset management, and educational services. The firm structures financial planning engagements as annual, collaborative relationships that utilize firm‑approved tools to analyze client goals and provide written recommendations.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Dienyung Sun is a financial advisor with J.P. Morgan Securities in Sunnyvale, CA, holding Series 63 and Series 65 designations and having 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research, employs an ESG eligibility framework, and utilizes broader derivatives and commodities capabilities.

Jolly Kang is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Merrill, Kang worked at Bank of America and has experience as a caregiver providing in-home supportive services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Anh Huynh is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Anh worked at JPMorgan Chase Bank and J.P. Morgan Securities. Anh has also been involved with entrepreneurial ventures including Buddha Boy Foods Inc. and 3 Kingdoms Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Svetla Vavova Clifford is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and over 20 years of industry experience. Her prior roles include positions at The Blakeley Group, Charles Schwab, and American Century Investment Services. She is also the owner of Uniquely Yours Designer Dolls, a doll customizing business she has operated since 1999. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Miguel Jimenez is a financial advisor at J.P. Morgan Securities with 9 years of industry experience. He holds a Series 66 designation and previously worked at Merrill for 15 years before joining J.P. Morgan in 2021. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Ryan Seay is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. He is based in San Jose, CA. 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 proprietary tools and methodologies, managing approximately $2.74 trillion in client assets.

Samantha Williams is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments in various roles since 2011, including Financial Consultant, Planning Consultant, and Senior Relationship Manager. Prior to joining Fidelity, Samantha worked at JPMorgan Chase as a Licensed Personal Banker and at E*TRADE FINANCIAL as an Executive Services Specialist. She also held a position with American Express Financial Advisors. Samantha holds a California Insurance License. She is focused on building long-term relationships with clients and their families, emphasizing trust and collaboration to develop holistic financial plans tailored to their unique experiences and goals. Outside of her professional career, Samantha enjoys cooking and baking, participating in family activities, caring for pets, reading, traveling, and volunteering.

James Gagnon Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and 27 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in health insurance activities in San Jose, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Seongu Lee is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. Before joining Merrill, Lee held positions at Bank of America, J.P. Morgan Securities, JPMorgan Chase Bank, and several other firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tri Nguyen is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, Tri serves as an advocate for clients, collaborating to develop financial plans tailored to each family's unique needs. Tri emphasizes thoughtful strategy development, identifying opportunities for improvement, and maintaining open, ongoing communication. Tri has professional experience in the financial services industry, having served as a Premier Banker at Wells Fargo from 2021 to 2023 and as a Financial Solution Advisor at Bank of America from 2016 to 2021. Tri holds a California Insurance License. Outside of work, Tri has interests in badminton, exploring food as a foodie, and spending time with pets.

Yanming Lin is a financial advisor with J.P. Morgan Securities in Santa Clara, CA. He holds the Series 66 designation and has six years of industry experience. Prior to joining J.P. Morgan, he worked at Ameriprise for eight years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to build model allocations and integrates ESG criteria where appropriate.

Brian Kadan is a financial advisor at Edelman Financial Engines in Santa Clara, CA, holding Series 63 and Series 65 licenses. He joined the firm in 2024 and has prior work experience at West Marine, Boston Scientific, and Bay Club Redwood Shores. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm offers a combination of discretionary and non-discretionary investment options, supported by proprietary modeling and a large-scale client service model.

Cathy Ha is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Her prior roles include positions at Merrill Lynch, Citibank, and East West Bank. 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 with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment onboarding process.

Jennifer Cardoza is a financial advisor at Edward Jones in Mountain View, CA, holding a Series 66 designation with six years of industry experience. She worked at Merrill for 20 years before joining Edward Jones in 2024. Outside of finance, she serves as an office manager for South Bay Pest Control, where she handles client communications and website tasks. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Dayna Sumiyoshi is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Morgan Stanley & Co. LLC, and Wells Fargo Investments, LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery processes and modeling tools in its planning services.

Min Ma is a financial advisor with LPL Financial in Sunnyvale, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2009, Min worked at Ameriprise from 2005 to 2009. Outside of advisory work, Min is involved in providing in-home supportive services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial activities.

Christopher Raddie is a financial advisor with Mass Mutual Investors Services in San Jose, CA. He holds the ChFC® designation and Series 66 and Series 63 licenses, with 11 years of industry experience. Since 2019, he has also served as an agent at Silicon Valley Financial Group. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved software and tools, with optional implementation through separate brokerage or insurance arrangements.

Jeffrey Di Bono is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His prior roles include positions at Wells Fargo Investments, Wamu Investments, Banc of America Investment Services, and Signator Investors. He serves as co-trustee for his parents' trust. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.