Wendi Hao is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. since 2023, following four years at Bank of America, N.A. Prior to her current roles, she had experience at a management consulting group with an assignment at BlackRock, Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Miten Bhatia is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Tri Counties Bank, Charles Schwab Bank, Charles Schwab, and U.S. Bancorp Investments. He is also Vice President at Tri Counties Advisors, a financial support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services and supports a large advisor network with advanced analytical tools and specialized municipal and employer advisory programs.

Richard Fain is a CFP® with 40 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has served as a financial advisor at West Portal Financial Group LLC since 2014. Outside of his advisory work, he participates on the finance and investment committee at St. Ignatius Church in San Francisco. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using various analytical tools and maintains affiliations that support municipal and public finance advisory services.

Mary Winchester is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2012. 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 supported by structured processes and advanced modeling tools.

Selina Soo is a financial advisor with Ameriprise in Burlingame, CA, holding a Series 63 designation and over 31 years of industry experience. She has been with Ameriprise and its related entities since 2005. Outside of her advisory role, she serves as president on the board of directors for the Asian Women Resources Center. Ameriprise provides a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Xiuqi Jiang is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Jiang has worked at various J.P. Morgan entities since 2015 and is also involved as an owner and partner in a family real estate investment business. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm delivers its advisory services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Cesar Shinzato is a financial advisor at Merrill with 9 years of industry experience. He holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2015. 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutional entities.

Michael Ting is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to each client’s individual goals. By drawing on insights from Merrill and leveraging the banking and lending services of Bank of America, he aims to provide flexible wealth management solutions responsive to changing market conditions. Michael holds a Bachelor's Degree from Northwestern University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He communicates with clients in English, Mandarin, and Yue (Cantonese). Committed to community involvement, Michael participates in local volunteer organizations in line with Merrill’s tradition of community service.

Leonidas (Leo) Maheras is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at LPL Financial since 2009. He operates in San Mateo, CA, and has prior experience running Maheras Wealth Management, which focuses on fixed annuities, life insurance, term insurance, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

William Wolfe IV is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 65 and Series 66 designations and has previously worked at Ameriprise, Incapital LLC, and Oppenheimer & Co. Inc. Wolfe operates under Menlo Asset Management as a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Ryan Lowenstein is a financial advisor at OSAIC based in San Mateo, CA, with five years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for seven years and DoorDash for five years. In addition to his advisory role, he performs as a DJ at bars and events in the San Francisco area. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a range of investment products and manages accounts on both discretionary and non-discretionary bases.

Musetta Li is a CFP®-certified financial advisor with 26 years of industry experience, currently with J.P. Morgan Securities LLC since 2017. She previously worked at Schwab Private Client Investment Advisory, Inc. and Charles Schwab, where she spent a combined 23 years. Outside of her advisory role, she manages a rental property in San Francisco. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities and delivers its program on a non-discretionary basis.

Debby Wu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008. Outside of her advisory role, she is an owner and landlord of a rental property. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

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 with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. Wong has been with J.P. Morgan Securities LLC since 2016. Outside of advising, Wong is a property owner involved in managing rental real estate. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Erik Galsgaard is a financial advisor with Charles Schwab in Menlo Park, CA, holding a Series 66 designation. He began his advisory career in 2025 after working at Walgreens from 2022 to 2025. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and maintains a distinctive operational footprint with centralized supervision, custody, and order-routing.

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.

Kalvin Sid is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at LPL Financial since 2025. Prior to this, he spent 17 years with Next Financial Group Inc. He operates Sid Financial Services, a business related to his LPL advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from internal and external sources.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and having 10 years of industry experience. She has worked at JP Morgan Securities and JP Morgan Chase Bank since 2017 and previously held positions at MML Investors Services and MassMutual Life Insurance Company. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the broader J.P. Morgan organization and offers access to a wide range of products, including those related to security-based swap and futures commission merchant activities.

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.