Hsin Yi Vivian Hsieh is a financial advisor at Charles Schwab with seven years of industry experience and holds a Series 66 designation. Her prior work includes roles at Morgan Stanley, TD Ameritrade, and Borelli Investment Company. She is currently based in Cupertino, CA. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options supported by centralized custody and a multi-asset investment approach.

Apostolos Kiriazis is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked within various divisions of JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager selection, and customized performance reporting through a process that incorporates quantitative modeling and ESG considerations.

Anthony Barnao is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management strategies tailored to individual client needs. He works with high net-worth individuals and households, helping them navigate the evolving financial landscape to pursue their long-term goals. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, and retirement income. Anthony holds a Bachelor's Degree from Baylor University and has earned the Personal Investment Advisor (PIA) designation. He emphasizes a personalized approach, developing financial strategies collaboratively with clients to align with their specific objectives. In addition to his professional role, Anthony participates in community service, dedicating time to volunteer with local organizations. Outside of work, he interests include adventure sports, baseball, camping, fishing, hunting, and spending time with his family.

Lyn Jen Tsai is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously was with Citigroup Global Markets starting in 2002. Outside of her advisory role, Tsai is involved in property management as an owner of rental real estate in California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses a structured planning process featuring tools such as Monte Carlo simulations and provides services primarily in an advisory capacity.

Eric Zhang is a financial advisor with Morgan Stanley in Cupertino, CA, holding the Series 66 designation and one year of industry experience. His prior work includes roles at KPMG and Ernst and Young, as well as a position in the University of California, Santa Barbara Sustainability Office. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment forecasts to support its financial planning process.

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.

Deborah Krumwiede is a financial advisor with LPL Financial in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2019, she worked at Cetera and Technology Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and employs both discretionary and non-discretionary management supported by in-house and third-party research.

Brian Tucker is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at First Republic Securities Company and First Republic Bank. J.P. Morgan Securities 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 brokerage, distribution, and investment management capabilities.

Abanti Pakrasi is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in helping individuals and families plan and achieve their life goals. With over two decades of experience, Abanti works closely with clients to create personalized investment strategies that align with their priorities, risk tolerance, time horizon, and liquidity needs. Her client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, women and wealth, and retirement income. Abanti holds a Bachelor’s degree from Delhi University and an MBA in Finance from the University of Southern Mississippi. She is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Personal Investment Advisor (PIA). Fluent in English, Hindi, Bengali, Gujarati, and Punjabi, she brings a diverse cultural understanding to her practice. In addition to her professional work, Abanti participates in community volunteer activities, including her involvement with Community Seva. Her personal interests include cooking, hiking, reading, and watching movies, reflecting a well-rounded approach to both her personal and professional life.

Lucas Orme is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2024. Prior to his current role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024. In his capacity as an Investment Consultant, Lucas focuses on helping individuals and families make informed financial decisions through personalized, goal-driven planning tailored to their unique circumstances. Lucas holds a California Insurance License, enabling him to provide comprehensive financial guidance. He emphasizes building enduring client relationships based on trust, transparency, and open communication. Lucas collaborates closely with clients to develop customized financial plans that adapt as their lives change.

Bao Chau Nguyen Sun is a Wealth Management Advisor with Merrill Lynch Wealth Management. She specializes in working with families, individual investors, and business owners to define and help achieve their financial goals. Sun collaborates with Merrill Lynch Wealth Management specialists and Bank of America banking specialists to provide retirement planning services, focusing on lifetime income streams, education savings, estate planning, insurance, and asset preservation. Since joining Merrill Lynch Wealth Management in 1996, Sun has gained experience in family wealth management strategies, education planning, divorce transition planning, socially responsible investing, tax minimization, and retirement income. She works closely with clients and their trusted advisors such as attorneys and accountants to ensure individualized attention and solutions tailored to their unique financial circumstances. Sun holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Private Wealth Advisor® (CPWA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). She earned a master's degree from the University of Oregon and a bachelor's degree from Hanyang University. Sun is fluent in English and Korean. Outside of her professional work, she enjoys cooking, golfing, swimming, and spending time with her family, and she is involved in community volunteer activities.

Sam Goerss is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, he helps clients identify financial goals and build financial plans tailored to their needs. He has previous experience as a Financial Consultant at E*Trade Financial from 2019 to 2020, a Financial Professional at AXA Advisors, LLC from 2016 to 2019, and an Investment Advisor Representative at Securities America Inc. from 2015 to 2016. Sam holds a California Insurance License. Outside of his professional work, Sam has personal interests that include cars, fitness, outdoor adventures, pets, running, and traveling.

Shelley Boutelle is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and ongoing tenure with Wells Fargo Bank, N.A. since 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Zhouyang Wang is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Wells Fargo Clearing Services LLC. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 brokerage and investment management capabilities.

Samuel Vaughan is a Series 66-licensed financial advisor with Morgan Stanley in San Francisco, CA. He joined the firm in 2025 and has prior experience working at organizations including Boston University, Mustang Survival, and Sunnyside Marina & Watersport Rentals. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and structured financial planning services utilizing firm-approved tools and models.

Kenneth Friedman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is the sole owner of ZEGA Builders Inc., a real estate construction business focused on homebuilding. 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 range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Michael Krigel is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves on the Finance & Legacy committee of Congregation Kol Emeth, advising on charitable giving and related financial matters. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based financial planning process without providing individual security recommendations in its standalone planning services.

Stephen Crowell is a Financial Consultant based in the Sunnyvale office at Fidelity Investments. He works with individuals, families, and business owners, focusing on advanced financial goals including financial planning and organization, tax efficient investing, equity compensation, and managing complex transition events. Stephen has been with Fidelity Investments since 2018, initially serving as an Investment Consultant before becoming a Financial Consultant in 2019. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2017 to 2018. He holds a California Insurance License.

Terrence Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®). Terrence focuses on helping high net-worth individuals, families, business owners, retirees, and endowments and foundations develop and maintain customized wealth management strategies. His expertise includes college education planning, corporate retirement plan services, legacy planning, personal retirement planning, tax minimization, and addressing the unique financial challenges faced by athletes and entertainers. Central to his approach is the principle of asset allocation and diversification, aiming to construct portfolios that balance risk while pursuing growth aligned with clients' goals. He earned a Bachelor of Science degree in Business Marketing from San Jose State University. Before joining Merrill Lynch, Terrence lived and worked in Japan for approximately seven years and speaks Japanese. He resides in Los Gatos with his wife Tammy and their three children. In his personal time, he enjoys playing pickleball, practicing karate, staying physically active, reading, and spending time with his family.

Michelle Ovalle is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work history includes roles at JPMorgan Chase Bank and First Republic Bank. 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 recommendations.