Chandra Dulam is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with affluent individuals, families, senior executives, specialized doctors, and small businesses to understand their medium- and long-term financial needs. Chandra provides strategies to help clients reach their goals by utilizing Merrill Lynch investment products, Bank of America banking services, and resources from Bank of America Private Bank specialists, tailored to clients’ financial sophistication. Chandra’s expertise includes managing investments and risks for the long term, implementing wealth preservation and transfer strategies, and offering services such as college education planning, divorce transition planning, equity compensation, family wealth management, legacy planning, retirement planning, portfolio management, socially responsible investing, and tax minimization. He combines a strong financial background with Merrill’s wealth management platform to develop customized strategies that address his clients’ unique financial situations. He holds a Bachelor's degree from Osmania University, a Master’s degree from the University of Connecticut, and an MBA in Finance from the University of Arizona. Chandra is a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). He is involved in community organizations including AIM For Seva (Bay Area, CA), Foundation For Excellence (Bay Area, CA), and the Silicon Valley Rotary Club. Chandra speaks English, Hindi, and Telugu.

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.

Mohammad Shams is a financial advisor with Wells Fargo Clearing in Castro Valley, CA, holding Series 63 and Series 66 licenses and possessing nine years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2017 and Wells Fargo Bank NA since 2016. Outside of his advisory role, he provides part-time transportation services with Uber in San Francisco. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines extensive assets under management with research-driven investment approaches and provides both brokerage and advisory solutions.

Leonidas (Leo) Maheras is a CFP® with 26 years of industry experience, currently serving as a financial advisor at LPL Financial since 2009. Prior to joining LPL, he worked at Merrill for seven years and Morgan Stanley for two years. He is also involved with Maheras Wealth Management, a business focusing on fixed annuities and life insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms through a large network of advisors.

William Wolfe IV is a financial advisor at LPL Financial in Menlo Park, CA, holding Series 65 and Series 66 licenses with nine years of industry experience. He previously worked at Ameriprise, Incapital LLC, and Oppenheimer & Co Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a large network of investment adviser representatives delivering personalized advisory and brokerage services.

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.

Angela Marcheschi is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and having 22 years of industry experience. She has been with Morgan Stanley since 2013. In addition to her advisory role, she operates as a life coach through her sole proprietorship, Wayfinder Life Coach. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through a broad range of investment and financial strategies.

Musetta Li is a CFP® with 27 years of industry experience and is currently a financial advisor at J.P. Morgan Securities. Her prior work includes roles at Schwab Private Client Investment Advisory, Inc. and Charles Schwab. Outside of her advisory work, she has been self-employed managing rental property since 2011. 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 applying an ESG eligibility framework when recommending investment strategies.

Debby Wu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 credentials and having 21 years of industry experience. She has worked at various J.P. Morgan entities since 2008. J.P. Morgan Securities specializes in investment consulting and advisory services primarily for institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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.

Anjuna Manel Singh is a financial advisor at Wells Fargo Clearing with 24 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

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 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.

Madeline Beaton is a financial advisor at Morgan Stanley with two years of industry experience. She previously worked at Natixis Advisors, LLC and Natixis Distribution, LLC, and has held various roles including at Sandpiper Productions LLC. Her background also includes involvement with the Edgartown Yacht Club and Field Club and Boathouse. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly to clients and through Corporate Financial Planning agreements with employers.

Brian Brogan is a financial advisor with Morgan Stanley, holding a Series 63 designation and 27 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets from 1999 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and firm-approved tools, including Secular Return Estimates and Monte Carlo simulations.

Kalvin Sid is a financial advisor with LPL Financial, holding CFP®, Series 63, and Series 65 designations and has 22 years of industry experience. He previously worked at Next Financial Group Inc for 17 years and OSAIC Services, Inc. for three years. 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 and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Vanessa Hubbard Vargas is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2017. Prior to that, she was with MML Investors Services and MassMutual Life Insurance Company. J.P. Morgan Securities LLC 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 to guide recommendations.

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.