Tyson Lai is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior work includes six years at Prudential Equity Group, LLC. Tyson has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory services with research-driven investment strategies.

Jason Ting is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2002, joining his father and brother at Merrill Lynch. Jason focuses on philanthropic giving strategies and has appeared in national and local television and print media as an approved financial advisor spokesman for Merrill Lynch. He strives to understand each client's individual needs to help craft wealth management strategies tailored to meet short-term needs and long-term goals. Jason has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University of California, San Diego with a bachelor's degree in Communications and a minor in Video Production/Public Relations. Jason is multilingual, speaking Korean, Spanish, Chinese, and English. In addition to his professional work, Jason is involved in community organizations such as the Leadership Council of San Mateo County, Mills-Peninsula Hospital Foundation, Protect Our Defenders, and Samaritan House in San Mateo County. He has served on boards and in fundraising roles. In his free time, Jason enjoys playing tennis, attending the theater, and pursuing his interest in cars. He lives in San Mateo, California with his wife and daughter.

Paul Luciano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1993. He serves a client base consisting mainly of entrepreneurs and venture capitalists, focusing on comprehensive financial planning and portfolio management. Paul emphasizes liability management, tax minimization, estate planning, and the inclusion of non-correlated assets such as private and public equity and alternative investments in portfolios to help clients achieve their long-term financial goals with reduced risk. Paul holds a Bachelor's degree in Finance from California State University, Long Beach, and also studied at Northeastern University in Boston. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Chartered Retirement Planning Counselor™ designation. In his role, he manages portfolios on a discretionary basis, using a variety of investment strategies including individual securities, model portfolios, and third-party strategies. Originally from New York, Paul has lived in the Bay Area for over 30 years. He and his wife, Leslie, have three children and share interests in fitness and outdoor activities such as skiing and golf. Paul is also involved in community service, having served on several non-profit boards.

Araceli Castaneda Ramirez is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with two years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at H&R Block and American Girl. Outside of her advisory role, she owns and operates retail online stores on platforms including Etsy and Facebook Marketplace and has worked as an extra/actor/model. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering financial planning and a wide range of advisory programs supported by structured planning tools and broad market expertise.

Brian Yoo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds a Series 66 designation and has over 13 years of experience at Wells Fargo affiliated entities, including Wells Fargo Bank and Wells Fargo Clearing Services. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Rasa Petrauskaite is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley, Bank of America, Merrill, and other firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Kolb is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 15 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Gilbert Zucker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes tenures at Merrill and Bank of America before joining Morgan Stanley and its affiliated entities in 2020. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning tools and investment modeling, serving clients through personalized financial advice and estate planning strategies.

Robert Gardner is a Series 66-licensed financial advisor with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2024 and previously held positions at Charles Schwab and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

David Mumford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and committee-driven investment estimates in its financial planning process.

Jordon Luo is a Financial Consultant who employs a consultative, data-driven approach to financial advice, focusing on planning, portfolio construction, and measurable outcomes. He assists clients in evaluating trade-offs, managing risk, and aligning investments with long-term goals, with particular attention to tax efficiency. Jordon has held several roles in the financial services industry, including Investment Consultant and Planning Consultant at Fidelity Investments, Relationship Manager for Corporate Brokerage Solutions at Morgan Stanley, Branch Service Representative at E*TRADE from Morgan Stanley, and Relationship Banker and Small Business Specialist at JPMorgan Chase Bank, N.A. He holds a California Insurance License. Outside of his professional career, Jordon competes as a professional MMA athlete, an experience that reinforces discipline, preparation, and accountability in his client relationships. His personal interests include comedy, fitness, and golf.

Carl Wong is a Financial Consultant currently working at Fidelity Investments since 2024. He has extensive experience in the financial services industry, having served as a Financial Consultant at Charles Schwab from 2020 to 2024, Branch Manager roles at TD Ameritrade from 2018 to 2020 and at Scottrade from 2016 to 2018, and as an Investment Consultant at TD Ameritrade from 2014 to 2016. In his role, Carl focuses on helping clients strengthen their financial wellbeing by collaborating to create customized planning strategies. He emphasizes understanding clients' goals thoroughly and providing personalized guidance, aiming to build lasting relationships and support clients through various life stages. Carl holds a California Insurance License. Outside of his professional work, Carl has personal interests in comedy, hiking, and movies.

Andrew Kropp is a financial advisor with Morgan Stanley, holding a Series 66 designation and two years of industry experience. He has worked in various roles, including positions at Morgan Stanley Private Bank and Northwestern Mutual. Outside of finance, he has been involved with entrepreneurial ventures such as Speedy Racket Stringing and Courtside Racket Sports LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and modeling techniques.

Joseph Nelson is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 designations and having 35 years of industry experience. His prior roles include positions at Wells Fargo Investments, LLC, and UBS Financial Services. Wells Fargo Advisors serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors. The firm offers both brokerage and advisory solutions, utilizing research and analytics to support a diversified, modern portfolio approach.

Jiedan Lin is a financial advisor at Morgan Stanley with eight years of industry experience. Prior to joining Morgan Stanley in 2022, Lin worked at HSBC Securities USA Inc and HSBC Bank USA NA from 2018 to 2022 and held roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA between 2015 and 2018. Lin holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Jonathan Bush is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 66 designation. Based in Palo Alto, CA, he is part of a large team servicing both individual and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers various advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides its services directly to individuals as well as through Corporate Financial Planning agreements with employers.

Flor Santana is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Prior to joining LPL Financial in 2009, Santana worked at Citigroup Global Markets and UBS Financial Services. Santana also teaches at the College of San Mateo. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by research tools and a broad network of over 22,800 advisors.

Charles Levy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He worked at Citigroup Global Markets for 10 years prior to joining Morgan Stanley Smith Barney in 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Lyn Jen Tsai is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 licenses and having 26 years of industry experience. Tsai has worked with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, following seven years at Citigroup Global Markets. Outside of advisory work, Tsai owns and manages a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Lin Xie is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Prior to that, he was employed at Cetera Investment Services LLC and East West Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.