Judy Klink is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. She has been with the firm since 2000 and brings extensive experience in advising clients on wealth accumulation, preservation, and transfer through customized wealth management strategies. Her approach emphasizes understanding each client's unique financial goals to develop tailored strategies that address their specific needs. Judy holds a Bachelor's degree and a Master's degree in Economics with an emphasis in Finance from San Jose State University. She is a CERTIFIED FINANCIAL PLANNER® professional and holds the Chartered Retirement Planning Counselor™ designation, as well as the Personal Investment Advisor credential. She leverages the investment resources of Merrill Lynch Wealth Management and the banking services of Bank of America to assist clients in managing various aspects of their financial lives. Her client focus areas include education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Judy is fluent in Yue (Cantonese), Mandarin, and English.

Miguel Castillo is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with the Wells Fargo organization since 2009 in various roles. Outside of his advisory work, he owns CF4CAPITAL, Inc., a separate investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu covering areas such as retirement, education, and special-needs planning, with tailored recommendations developed through proprietary research and tools.

Irina Shuvaeva is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA. Outside of her advisory role, she works as a caregiver and is a commissioned notary in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Zi Chen Liu is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab & Co., Inc., Charles Schwab Bank, SSB, and Katten Muchin Rosenman LLP. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach involves structured discovery conversations and utilizes firm-approved tools to model outcomes, while clients are responsible for plan implementation and updates.

Chuzhe Song is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their long-term goals, leveraging Merrill’s investment insights along with the banking and lending services of Bank of America. Chuzhe holds a Bachelor of Science in Business Administration with a focus in finance from the University of Washington and an MBA from the University of Southern California. He has prior experience with UBS AG in New York and joined The Virnoche Group in 2012. Chuzhe holds the Certified Financial Planner (CFP) designation and is a Personal Investment Advisor (PIA). He is committed to participating in community volunteer activities consistent with Merrill’s tradition of service.

Dina Hall is a financial advisor at UBS Financial Services with 39 years of industry experience, all of which has been with UBS since 1987. She holds a Series 63 designation. Outside of her advisory role, she serves as a co-trustee for a family trust involved in settling an estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Tuyet Do is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 66 and Series 63 licenses and has worked at both J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Her prior experience includes a year at Deloitte & Touche, LLP. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. Their approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Ann Margaret Bishop is a Series 66-licensed financial advisor with 17 years of industry experience. She is currently with Fidelity and has previously worked at firms including Morgan Stanley Smith Barney, Wells Fargo Advisors, Natixis Investment Managers, and First Republic Securities Company. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines proprietary fundamental research with quantitative analysis and systematic portfolio construction, serving clients through discretionary and non-discretionary advisory services as well as fund advisory roles.

Jasmine Yang is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 25 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a sole proprietor involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools as part of its advisory services.

Alina Mihai is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds Series 63 and Series 66 registrations. Her career includes multiple roles within J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities LLC 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. The firm operates within the broader J.P. Morgan organization and offers a range of products through an internal review process.

Christopher Do is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at UBS Financial Services Inc for nine years before joining Wells Fargo Clearing in 2018. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Gary Cruff is a financial advisor with Equitable Advisors, holding a Series 66 designation and 24 years of industry experience. He previously worked at Ameriprise Financial Services, LLC from 2002 to 2026. Outside of advising, he serves as a California Notary Public and manages real estate properties for his family. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm leverages third-party advisory models and offers a range of investment options including mutual funds, ETFs, and select alternative investments.

William Thaddius La Rue is a financial advisor at Edelman Financial Engines with 15 years of industry experience. His prior roles include tenures at Fisher Investments and TIAA-CREF. He holds Series 65 and Series 63 licenses. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, emphasizing diversified model portfolios, periodic rebalancing, and long-term strategies.

Pervin Ozer is a financial advisor at Morgan Stanley in San Mateo, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley, Ozer worked at Wells Fargo Clearing and Wells Fargo Bank, NA, and has earlier experience in non-financial roles including at Starbucks and Universidade Estadual de Goias. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Riley Tolles is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Tolles worked at Ernst and Young and has been involved in entrepreneurial and cultural ventures, including owning Secia Art, an art and culture business based in San Francisco. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by advanced modeling tools and strategies developed by its Financial Advisors and Estate Planning Strategies Group.

Julian Lardizabal is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses. He has been with Morgan Stanley since 2026 and has prior experience at MAI Capital Management and Robertson Stephens. Outside of finance, his background includes roles in education and operations at organizations such as San Francisco State University, Terra Linda High School, and Legends Baseball Camps. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Michael Glantz is a financial advisor with Thrivent Investment Management based in San Jose, CA. He holds Series 63 and Series 66 designations and has 28 years of industry experience. Glantz has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses covering a wide range of planning topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Husnia Lutfi is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 65 and Series 63 licenses and five years of industry experience. She has worked at several major firms, including Charles Schwab, TD Ameritrade, Bank of America, Merrill, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third parties to inform its investment approach.

David Brown is a financial advisor with Primerica Advisors and holds Series 65 and Series 63 licenses. He has five years of industry experience and has worked with Primerica Financial Services since 1995. Outside of his advisory role, he is the founder and pastor of One Way Bible Fellowship and is the author of the book "It's Natural to be Gay," along with other faith-based writings. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm offers model-driven investment strategies supported by third-party asset managers and maintains a large advisory network with approximately $15.5 billion in assets under management.

Scott Belshaw is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 credential and 14 years of industry experience. His prior roles include positions at Morgan Stanley, Bank of America, Merrill, and Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by operational tools for research and client management.