Valerie Tu is a CFP® professional with 21 years of industry experience, currently affiliated with LPL Financial in Fremont, CA. Her prior roles include positions at BMO Bank NA, BancWest Investment Services, and Citigroup Global Markets. 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 institutions, offering a range of financial planning and investment management solutions.

Kylee Harrison is a financial advisor with LPL Financial based in Fremont, CA, holding a Series 66 designation and entering the industry with under a year of experience. Prior to joining LPL Financial, she held various roles in education and banking, including positions at Fremont Bank, Texas A&M University, and multiple educational institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

William Wolfe IV is a financial advisor with LPL Financial in Menlo Park, CA, holding Series 65 and Series 66 credentials and nine years of industry experience. His prior roles include positions at Ameriprise, Incapital LLC, and Oppenheimer & Co. Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining a broad advisory platform with extensive non-advisory financial services.

Airung Liu is a financial advisor at OSAIC with 23 years of industry experience. He holds the CFP® designation and Series 66 license. His prior work includes roles at Securities America Advisors, Cambridge Investment Research Advisors, HSBC Securities (USA) Inc., and Morgan Stanley. In addition to his advisory work, he is also an independent agent providing fixed insurance strategies. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and the use of discretionary and third-party managed strategies.

Hai Nguyen is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan entities since 2009. Outside of his advisory role, he is an owner and partner of HQ Acquisitions LLC, a residential real estate investment and property management business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory approach combines quantitative and qualitative research, incorporating ESG considerations and utilizing broader derivatives and commodities capabilities.

Nathan Chan is a financial advisor with Ameriprise in Los Altos, CA, holding a Series 66 designation and five years of experience at the firm. His prior work includes positions at Aimmune Therapeutics and roles at San Jose State and Second Harvest Food Bank. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on stable income sources and tax-aware withdrawal strategies.

Margaret Bussmann is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. She has been with Morgan Stanley since 2015, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that employs firm‑approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Chun Wong is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Securities LLC since 2016 after four years at MSI Financial Services, Inc. Outside of his advisory role, he owns rental properties managed through a local property management company. 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. The firm’s advisory process combines quantitative and qualitative research and includes a broader range of regulatory registrations and derivatives capabilities.

Anjuna Manel Singh is a Series 66-licensed financial advisor with Wells Fargo Clearing in Castro Valley, CA, where she has worked for 10 years. She has 24 years of industry experience. 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 both brokerage and advisory solutions.

Jessica Lee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs to individuals and institutions, focusing on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenarios to help clients develop financial plans.

Erik Galsgaard is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 credential and has worked at Charles Schwab Bank, Charles Schwab, and Equitable Advisors. Prior to his advisory career, he was employed at Walgreens. 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 blend of non-discretionary and discretionary investment management supported by multi-asset model portfolios and a formal alternative-investment program.

Daniel Robbins is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He partners with clients and their families to build financial plans that align with their goals, focusing on understanding their individual needs and collaborating to identify strategies suited to their unique financial situations. Prior to this, Daniel worked as a Relationship Manager at Fidelity Investments from 2020 to 2023 and as a Workplace Planning Consultant from 2019 to 2020. Before joining Fidelity, he was a Financial Business Analyst at OppenheimerFunds, Inc. from 2003 to 2019. Daniel holds a California Insurance License. Outside of his professional work, he engages in various physical activities including biking, kayaking, running, snowboarding, surfing, and yoga.

Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

Ting Gong is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Citibank NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional programs.

Neepa Shah is a financial advisor at Mass Mutual Investors Services with 16 years of industry experience. She holds a Series 66 designation and has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2010. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative financial planning using firm-approved software and offers specialized programs including estate settlement, employer-sponsored planning, and recently added divorce planning.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at MML Investors Services and MassMutual Life Insurance Company. She has been with J.P. Morgan since 2017, including time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering access to a range of eligible investment strategies and affiliated portfolio services.

Tien Vo is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and seven years of industry experience. He has worked with various J.P. Morgan entities since 2018 and previously worked outside finance at San Jose Physical Therapy and HumanitiesDC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative screening and qualitative research, incorporating ESG considerations and supported by affiliates that provide implementation and portfolio services.

Paige Hovermale is a financial advisor at Merrill in Palo Alto, CA, holding a Series 66 designation with no prior industry experience. Before joining Merrill and Bank of America in 2026, Paige worked briefly at RBC PH&N and has held various positions outside the financial industry, including roles at the UBC Tennis Centre and University of British Columbia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Megia is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses with 10 years of industry experience. His prior roles include positions at Merrill Lynch, Fidelity Investments, Fisher Investments, and Wells Fargo. 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, while clients retain final decision-making authority.

Caroline Maglio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and possessing 32 years of industry experience. Her work history includes roles at Charles Schwab Bank, TD Ameritrade, and Fidelity Brokerage Services. 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 affiliated discretionary SMAs and offers a comprehensive operational structure including custody, brokerage, and cash-sweep services.