Ruoyun Liang is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Charles Schwab in 2021, Liang worked at Trumpet Behavioral Health and held roles at Sky Resource Trading Co. LTD. and Aldo Shoes. Liang’s background also includes five years at The University of British Columbia. Charles Schwab & Co., Inc. serves a large client base, 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 mix of non-discretionary advisory relationships and access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and due diligence on alternative investments.

Tara Fowler is a Wealth Management Advisor at Merrill Lynch Wealth Management. She leads a team that provides research-based, active portfolio management and financial strategies tailored for sophisticated clients with complex needs. Tara collaborates with clients to enable informed decision-making, allowing them to confidently pursue their personal and financial goals. Her areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, philanthropic planning, personal retirement planning, and tax minimization. Tara holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Divorce Financial Analyst (CDFA), Accredited Domestic Partnership Advisor (ADPA), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Santa Clara University. Tara is actively involved in her community and serves on multiple boards, such as the Bay Area Cancer Connection Board of Directors (2024-2025), Kainos Auxiliary Board of Directors (2005-present), The Sequoia Awards Board of Directors (2009-present), and previously on the Sequoia Hospital Foundation Board of Directors (2015-2018). Outside of her professional work, she enjoys biking, boating, dancing, gardening, hiking, interior decorating, music, spending time with her family, traveling, and yoga.

Clemy Law is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 65 and Series 66 licenses with 10 years of industry experience. Prior to joining Morgan Stanley in 2017, Law worked at Ameriprise Financial Services, Inc. for one year. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process utilizing firm-approved tools and models, offering services primarily in an advisory capacity.

Peter Evans is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he worked at In2Deep Santa Monica and served with the Spanish Ministry of Education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kam Chak is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and having four years of industry experience. His career includes roles at BMO, Bank of the West, Citibank, and JP Morgan Chase Bank and Securities. 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 various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Alexander Chin is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at DCN Wealth Management, Sorrento Pacific Financial, LLC, and operating his own practice. Outside of finance, he works as a professional golfer and coach. 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 a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology and a broad platform that includes insurance and credit services.

Frank Auyeung is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2012, following prior roles at Wells Fargo and Banc of America Investment Services. Outside of his advisory work, Auyeung is involved as a partner in a property management business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and a structured process.

William Michaelsen is a financial advisor at Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following nine years at Citigroup Global Markets. 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’s planning approach includes structured discovery conversations and advanced modeling techniques, serving a broad client base with a range of investment and financial strategies.

Qingyin You is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 19 years of industry experience. Prior to joining Wells Fargo in 2020, Qingyin worked at HSBC Bank USA and HSBC Securities from 2013 to 2020. Outside of advising, Qingyin provides in-home supportive services as a caregiver. Wells Fargo Clearing offers retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Aaron Chung is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 11 years of industry experience. His prior experience includes roles at Edward Jones, Fidelity Investments, Tesla Motors, Merrill Lynch, and Wells Fargo Advisors. 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 focused on tailored financial planning supported by firm-approved tools and methodologies.

Sneh Jolly is a financial advisor at Osaic with 11 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank, N.A., as well as Securities America Advisors. Outside of her advisory role, she operates an LLC dedicated to proprietary trading of her personal capital. Osaic Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment strategies and third-party manager options.

Long Lee Lam is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2011. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Sinsigalli is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In his role, he acts as a financial quarterback for his clients, providing advice on spending, saving, preserving wealth, managing debt, banking, philanthropy, and investing. He leads the Sinsigalli Group, which offers continuous availability to clients beyond the normal workweek and operates with a focus on goals-based wealth management. Their approach involves ongoing assessment of clients' evolving financial realities, including career changes, family dynamics, and special needs. Andrew is a Certified Financial Planner® (CFP) professional and holds several other designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his team bring over 65 years of combined experience in financial services and collaborate with Bank of America banking specialists, Merrill Lynch's network of specialists, and clients' accounting and legal professionals. He holds a Bachelor's Degree from the University of Massachusetts System and a High School Diploma from Haverhill High School. Andrew is involved with the American Red Cross. His personal interests include adventure sports, camping, cooking, gymnastics, reading, soccer, spending time with his family, and traveling.

Kevin Huynh is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2015, following four years at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting for non-discretionary programs. Their advisory process is supported by centralized due diligence and uses systematic quantitative and qualitative research to build model asset allocations, incorporating ESG eligibility criteria and broader derivatives capabilities.

Ronald Puccinelli Jr. is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations primarily for clients with Ameriprise-managed accounts.

Jon Johiro is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His prior firms include First Allied Advisory Services and First Allied Securities, where he worked for a combined 28 years. Outside of his advisory role, he is an owner and general manager of Kiferline, LLC, a commercial real estate business. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Aimee Mckone is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 23 years of industry experience. She has worked with Wells Fargo entities since 1989, including 10 years specifically at Wells Fargo Clearing. Outside of finance, she owns a home design consulting business called Elevated Design. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Cyrus Chan is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch and Merrill since 2007, with a brief tenure at the San Francisco Municipal Transportation Agency in 2017. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Issa is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the CFP® and ChFC® designations with 16 years of industry experience. He has been with MML Investors Services Inc. since 2008 and associated with MassMutual/Silicon Valley Financial Group since 2005. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Karra Canum is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2025. Her prior roles include nine years at Wells Fargo Clearing and six years at Prudential Equity Group, LLC. Outside of her advisory work, she owns KL Canum Consulting, an LLC focused on vintage automobile acquisition and appraisals, and holds a partial ownership in PMT Technologies LLC, which develops precision motorsports timing software. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients choosing whether or how to implement recommendations through various brokerage and advisory programs.