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.

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.

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.

Jerson Dominguez Vasquez is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Bank of America, Costco Wholesale, and various educational institutions. 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 a range of clients including individuals, high-net-worth clients, and pension plans.

Travis Benjamin is a CFP® professional with 12 years of industry experience, currently serving at Edward Jones since 2016. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved as a manager of Triumphant Estates, LLC, a rental property business in Brooklyn, NY. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages approximately $1.01 trillion in assets and operates through a network of over 23,700 financial advisors nationwide.

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.

Justin Yip is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2015. Based in Palo Alto, CA, Yip's career has been focused within Morgan Stanley's wealth management and private banking services. 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, including tailored financial planning and access to institutional resources, managing approximately $2.74 trillion in client assets.

Jose Leyva is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support non-discretionary advisory services.

Philip Hoang is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley since 2010 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and strategies designed around their Global Investment Committee’s return estimates.

Fiona Woo is a Financial Consultant currently at Fidelity Investments, where she has been serving since 2019 in various roles, including Financial Consultant, Financial Consultant I, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity Investments, she worked as a Financial Solutions Advisor at Merrill Edge and as a Personal Banker at Citibank. Her professional experience spans client relationship management and investment consulting. She holds a California Insurance License, supporting her ability to provide comprehensive financial planning services. Fiona partners with clients to develop personalized financial plans that align with their goals and values, offering thoughtful, ongoing guidance through different life stages. Outside of her professional work, Fiona's personal interests include music and traveling.

Todd Bergstrom is a CFP® professional with 17 years of industry experience, currently serving at Edward Jones since 2009. He holds the Series 66 designation and is based in Cupertino, CA. Outside of his advisory role, he is the managing partner of TMB, LLC, an LLC registered in California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Quoc Pham is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in working with high net worth individuals and families to develop customized financial strategies that aim to help achieve their goals through careful planning and asset management. His focus areas include executive compensation, equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as Series 7, 66, and 31 FINRA registrations. Pham earned his Bachelor's Degree from Santa Clara University. His previous experience includes roles as a Financial Advisor and Vice President at Morgan Stanley Smith Barney and Smith Barney Citigroup Global Markets, Inc., as well as a Senior Financial Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated. Quoc Pham and his family reside in the Bay Area, where they participate in volunteering with local communities and charities. Outside of his professional work, he enjoys baseball, basketball, chess, football, gardening, golfing, running, swimming, table tennis, and spending time with his family.

Marc Rogers is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at RBC Capital Markets and Morgan Stanley DW Inc. Outside of his advisory work, he is involved in scriptwriting as a screenwriter. 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 combines in-house research and third-party analytics to support investment decisions and offers a broad range of brokerage and advisory solutions.

Gino Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He brings over 8 years of experience in the securities industry, including his previous role as a Private Client Advisor at J.P. Morgan. In that capacity, he specialized in assisting affluent bank clients by offering tailored solutions for complex personal and business financial needs through Wealth Management Platforms. Gino focuses on providing personalized advice grounded in financial analysis, aiming to help clients meet their short- and long-term goals. His expertise covers areas such as employee benefits planning, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategy. Gino holds a Bachelor of Science in Commerce from the University of Santo Tomas and the Personal Investment Advisor (PIA) designation. Outside of his professional commitments, Gino resides in San Francisco with his wife Alma and their two children. He enjoys playing golf, reading, and spending time with his family. Additionally, he participates in community activities, reflecting the tradition of community involvement upheld by Merrill.

Vincent LaRocca is a Planning Consultant at Fidelity Investments. He collaborates with clients to design financial plans that align with their unique goals and aims to empower them to make informed decisions by building a roadmap together towards financial success. Vincent has held several roles within Fidelity Investments, including Planning Consultant since 2024, Relationship Manager in 2024, and Financial Representative from 2023 to 2024. He holds a California Insurance License.

Raymond Ruan is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. In this role, he partners with clients to understand their financial goals and develop personalized financial plans tailored to their unique needs. Prior to joining Fidelity Investments, he was an Assistant Vice President and Financial Solutions Advisor at Merrill Lynch from 2009 to 2012, and before that, a Personal Relationship Advisor at Citicorp Investment Services from 2006 to 2009. Raymond holds a California Insurance License. Outside of his professional responsibilities, he has interests in art, hiking, museums, photography, and traveling.