James Morimoto is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Morgan Stanley Smith Barney LLC and previously worked at Schwarz Dygos Wheeler Investment Advisors. Outside of finance, he is involved with Arbiter Sports as a referee. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery, firm-approved tools, and modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Ken Zhang is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses. He has 24 years of industry experience, including prior roles at Scottrade and Bank of America. Outside of his advisory work, he is associated with The KP Living Trust. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Reed Sparling is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked as a contractor for Wells Fargo through Randstad and held positions at IEH Laboratories, Joey Kitchen, and the University of Washington. 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 services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Daniel Beltran is a CFP®-certified financial advisor at LPL Financial with 21 years of industry experience. He has held roles at United Planners' Financial Services of America and Vitucci & Associates, among others. He is also involved in a non-variable insurance agency under the name Plantran Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and various institutional platforms, supporting advice through discretionary and non-discretionary strategies.

Ian Mcintosh is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2005 in various capacities. Outside of his advisory work, he is involved with Fieldday Solutions, a business providing software applications for technical support groups. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm delivers these services through a centralized consulting team working alongside financial advisors, supported by algorithmic tools and oversight committees.

Penelope Kim is a financial advisor with LPL Financial in San Jose, CA, holding the Series 66 designation and three years of industry experience. She has previously worked at UBS Financial Services and Wells Fargo Bank. Outside of her advisory role, Penelope is involved with In Home Supportive Services as a provider and participates in her family business, The Yi Family, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, utilizing a network of investment adviser representatives who implement various portfolio strategies supported by research and operational tools.

Donald Mazza is a Series 66 licensed financial advisor with five years of industry experience, currently with UBS Financial Services in Palo Alto, CA since 2020. His prior work includes roles at E.K. Riley Investments, Menlo Asset Management, City National Bank, and Comerica Bank. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans according to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management, offering a wide range of capital markets, custody, and lending services.

Cade Mayer is a financial advisor with Cambridge Investment Research Advisors in Pleasanton, CA, holding Series 63 and Series 66 designations and four years of industry experience. Prior to joining Cambridge Investment Research Advisors, he worked at Lululemon and as an independent golf instructor. Mayer is also associated with Protected Investors of America in a marketing capacity. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Ian Tang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in education planning, managing new wealth, personal retirement planning, and tax minimization. Ian works closely with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. He holds a Bachelor's Degree from the California State University System and holds the Professional Investment Advisor (PIA) designation. Ian also engages in community service through volunteer work, reflecting the Merrill tradition of local involvement. Outside of his professional role, he enjoys fishing, golfing, softball, and spending time with his family.

Nora Zele is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2014, with a brief tenure at Wells Fargo Clearing. Based in Palo Alto, CA, she is currently part of a large advisory team at Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Suzy Fisk is a financial advisor with Edward Jones in Los Altos, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior roles include positions at Raymond James Financial and Ameriprise, as well as engagements with Golden Gate University and Bpm LLP. She is also approved to serve as a non-public arbitrator on FINRA's dispute resolution panels. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages over $1 trillion in assets and operates a large national network of advisors and branch locations.

Vijaylakshmi Shetty is a financial advisor at Merrill with 17 years of industry experience and a Series 66 designation. She has worked at Merrill since 2011, including the current affiliation through Bank of America since 2017, and previously held positions at TIAA-CREF, MSI Financial Services, and Ameriprise. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Adriana Maria Da Cruz is a financial advisor at Morgan Stanley with nine years of industry experience. She has previously worked at UBS Financial Services Inc. for eight years before joining Morgan Stanley in 2025. She holds a Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Timothy Kang is a financial advisor with Thrivent Investment Management in San Jose, CA, holding Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at Walker & Dunlop, LLC, PredictView Technologies, and Loyola Marymount University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based, holistic financial analyses and planning without discretionary trading authority. The firm allows clients to integrate planning with managed-account services under a consolidated billing option called “WealthPlan.”

Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Investments, LLC and Wells Fargo Clearing, totaling 17 years within the Wells Fargo organization. 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 informed by research and analytics.

Jason Bothwell is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Bothwell is currently based in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 structured planning tools supported by its Global Investment Committee.

The Phong Truong is a financial advisor at Merrill with six years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Merrill, he worked at Bank of America, N.A. for five years and was engaged in homemaking for two years. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Lee is a CFP® with 23 years of industry experience currently at Wells Fargo Clearing. His prior roles include positions at U.S. Bancorp Advisors, BANK OF THE WEST, Morgan Stanley, and Waddell & Reed. 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 utilizes research-driven approaches based on diversification and modern portfolio theory.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.