Morgan Marshall is a Financial Consultant at Fidelity Investments, where they have been working since 2025. Their role involves empowering clients to make informed financial decisions by understanding their unique situations and employing a holistic planning approach. Morgan's objective is to simplify financial planning to help clients achieve peace of mind and progress towards their goals. Morgan has held multiple positions at Fidelity Investments, including Investment Consultant (2024-2025), Relationship Manager (2023-2024), and Financial Representative (2022-2023). Prior to joining Fidelity, Morgan gained experience as a Financial Services Intern at CJ Advisory in 2021. They hold a California Insurance License. Outside of their professional career, Morgan has interests in board games, movies, music, and caring for pets.

Christopher Manzi is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining LPL Financial in 2020, he worked at SGC Financial, Minnesota Life, and Securian Financial Services Inc. between 2016 and 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Joseph Abad is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns and manages a rental property in San Mateo, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.

Vic Leung is a financial advisor at Cetera with four years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Wells Fargo. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management and financial planning services.

Karla Lee is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2022, including a role at Morgan Stanley Private Bank. Her prior experience includes positions at JP Morgan Securities, JP Morgan Chase Bank, and Bank of America. Lee also serves on the advisory board at the University of San Francisco, assisting with MBA student projects. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Jessica Meunier is a financial advisor at Edward Jones in Redwood City, CA, holding a Series 66 designation with three years of industry experience. She previously worked at Dow Janes, Empowered Personal Finance, and LPL Financial. Outside of her advisory role, she earns royalties from Amazon Kindle Direct Publishing. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a comprehensive range of advisory programs and investment solutions, supported by a nationwide network of more than 23,000 financial advisors.

Priscilla Fung is a Financial Consultant currently working at Fidelity Investments since 2025. She previously held positions at J.P. Morgan Chase, serving as Vice President-Private Client Advisor from 2024 to 2025 and Assistant Vice President-Private Client Banker from 2020 to 2024. Her career has focused on private client financial services, providing tailored financial advice. She holds a California Insurance License, supporting her expertise in financial planning and insurance matters. Priscilla emphasizes a collaborative and transparent approach, aiming to help clients make confident decisions about their financial futures. Outside of her professional work, Priscilla enjoys attending concerts, participating in family activities, engaging with friends in social events, practicing Pilates, traveling, and volunteering.

Bridgette Chang is an Investment Consultant at Fidelity Investments, a position she has held since 2025. She is focused on helping clients strive for their financial goals through her professional process, beliefs, and values. Her experience in the financial industry includes roles such as Relationship Banker and Associate Banker at J.P. Morgan Chase Bank, N.A., as well as Financial Representative at Fidelity Investments. Bridgette holds a California Insurance License. Outside of her professional work, Bridgette has personal interests in fitness and photography.

Seth Novosel is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked across various roles including positions at Amazon Web Services and multiple academic institutions prior to joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models.

Terrence Medley is a financial advisor at Raymond James & Associates with 46 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and consulting services with a range of portfolio management styles and affiliated research support.

Edward Sickel IV is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Ashley Fetsch is a financial advisor with Wells Fargo Clearing in Los Gatos, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, Ashley worked at Amazon and Planet Fitness Saber Fitness LLC. Outside of finance, Ashley is involved in dog walking as a part-time Rover dog walker. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Gabriel De Oliveira is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and Morgan Stanley Smith Barney LLC. Prior to entering the financial industry, he spent five years employed at Starbucks and the University of California, Davis. 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 investment modeling as part of its advisory services.

Bladimir Marquez is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at ADP Inc. and ADP Broker-Dealer, Inc. for 18 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved tools and methodologies to support its financial planning process.

Daniel Kertz is an Investment Consultant at Fidelity Investments, where he has been working since 2024. Prior to this role, he held positions including Planning Consultant, Investment Solutions Representative III, and Investment Solutions Representative at Fidelity Investments starting in 2021. In his current role, Daniel partners with clients to understand their financial goals and helps them build customized financial plans. Daniel holds insurance licenses in Arkansas and California. He emphasizes the importance of forming strong relationships with clients and their families, maintaining trust, reliability, and competency in his work. Outside of his professional career, Daniel has personal interests in biking, cars, football, movies, and music.

Wayne Loi is a financial advisor at Cetera with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Bancwest Investment Services and East West Bank. Prior to his financial career, he was involved with The Hair Cut Place for five years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform with various investment programs, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Xinmin Liu is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Liu has been with Cambridge since 2010 and serves as COO of Aqua Electronics Co Ltd, involved in international trade. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platforms.

Sanjaya Luthra is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2006, including roles at Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Joshua Sheng is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at Northwestern Mutual and Fulcrum Environmental Resources, and he has been self-employed in an education-related business since 2016. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Sandra Kim Her is a financial advisor with Merrill, holding Series 65 and Series 63 licenses and seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, accumulating a decade of combined experience at those firms. Her is based in San Jose, California. Merrill, along 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 model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.