Jessica Chan is a CFP® with 11 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. She previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to her advisory role, she is a part-time instructor teaching personal financial planning courses at UC Berkeley Extension. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses technology-based analysis tools and offers specialized planning programs including estate settlement and employer-sponsored planning.

Scott Levaggi is a financial advisor with Merrill in San Mateo, CA, holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. He has been with Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charlie Ramos is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 license and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Ramos serves as a non-voting member of the Investment Committee at Saint Peter's University. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and investment committee insights.

Jacob Rabin is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Carbahal and Company, and Upwelling Capital. 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 supported by research and analytics.

Lisa Rose is a financial advisor with UBS Financial Services in San Mateo, CA, holding the Series 66 designation and bringing 23 years of industry experience. She has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to client goals and risk tolerances.

Mathew Mcclain is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Calvin Shiu is a financial advisor at Wells Fargo Clearing in San Jose, CA, holding the ChFC® designation with 23 years of industry experience. His career includes multiple roles at Wells Fargo entities and Morgan Stanley Private Bank. Outside of his advisory work, he owns and operates an online coffee K-Cup sales business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader investment menu that features insurance-related products and bank deposit sweep options.

Denise Freedman is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets, Inc. since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.

Jack Hsia is a financial advisor with Wells Fargo Clearing in Houston, TX, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of advisory work, he holds a minority ownership in a manufacturing company, Union Tech Co, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. 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 within its investment menus.

Faizan Bilal Habib is a Series 66-credentialed financial advisor with three years of industry experience. He has worked at Wells Fargo Clearing since 2025 and previously held positions at Bank of America, Merrill, and several banks in the Middle East. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Pierre Andre Volpe is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Hallmark Aviation Services. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Xiao Zhou is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over two decades with Wells Fargo Bank, N.A. 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 services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Brandon James is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Charles Schwab since 1997 and Charles Schwab Bank since 2008. Outside of his advisory work, he owns a rental property managed by its residential HOA. Charles Schwab 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 discretionary separately managed accounts, using multi-asset model portfolios and a structured approach to alternative investments.

James Marguet is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and over 43 years of industry experience. His career includes roles at Citigroup Global Markets, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Lou Chien Huang is a financial advisor at J.P. Morgan Securities with four years of industry experience. His background includes roles at JPMorgan Chase Bank, Citigroup, Thrivent Investment Management, and United Air Lines. 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. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision-making authority.

Davis Tsai is a Series 66-credentialed advisor at Fidelity with less than one year of industry experience. His prior work includes roles at Wellesley Partners and Gochi HK, as well as attendance at the University of Colorado Boulder. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients including retail, institutional investors, and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Eric Castillo is a financial advisor at Morgan Stanley Wealth Management in Palo Alto, CA, with nine years of industry experience. He has previously worked at J.P. Morgan Securities and J.P. Morgan Chase Bank for six years before joining Morgan Stanley in 2026. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and quantitative modeling.

Rodolfo Ornelas Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and having 10 years of industry experience. He has been with J.P. Morgan Securities and affiliated JPMorgan Chase entities since 2016. J.P. Morgan Securities 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 in its recommendations.

Nirmal Rout is a Certified Financial Planner® with 18 years of industry experience, currently advising clients at Edward Jones since 2019. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank, N.A. Outside of his advisory work, he owns a rental property business in Oakland, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions. The firm operates under a fiduciary standard and supports its clients through a large network of financial advisors and branch offices.

Hailey Hagy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She previously worked at Sand Hill Global Advisors, UBS Financial Services, and Northwestern Mutual Investment Services, among others. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment research.