Michelline May Padilla is a Series 66-licensed financial advisor with 12 years of industry experience. She is currently with Morgan Stanley and has previous experience at J.P. Morgan Securities, HSBC Securities USA, and Wells Fargo. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Charles Corley is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Terry Mckee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets, Inc. for one year. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm serving both individual and institutional clients with a wide range of financial planning and investment programs. The firm’s approach includes structured planning tools and utilizes Global Investment Committee models to assist clients in developing tailored financial strategies.

Michael Woods is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Wells Fargo Bank and Wells Fargo Clearing Services since 2017, as well as prior positions at BrightPlan, LLC and Prumentum Group. He was also briefly involved with Woods Asset Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

David Foguet is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Since 2023, he has also provided financial and tax planning services as a Certified Public Accountant, offering budgeting advice, tax preparation, and financial statement analysis. MML Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, and charitable organizations with financial planning, asset management, and educational services. The firm structures financial planning engagements as annual, collaborative relationships that utilize firm‑approved tools to analyze client goals and provide written recommendations.

Craig Rosenblatt is a financial advisor with Cetera, holding a Series 66 designation and over 23 years of industry experience. He has been with Cetera and its related entities since 2013 and operates his own financial planning and advisory business under the name Rosenblatt Advisors. Rosenblatt is also a licensed CPA providing tax preparation and advice and is involved in fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options and access to third-party money managers.

Warren Cheung is a financial advisor at UBS Financial Services with 33 years of industry experience. He has held roles at Morgan Stanley and Charles Schwab prior to joining UBS in 2013. He holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals.

Ricardo Santamaria is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior roles include positions at Bank of Montreal, Bancwest Investment Services, Inc., and Bank of the West, alongside multiple tenures at Morgan Stanley and its Private Bank. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and models to support its advisory services while maintaining a diverse platform that includes retail, institutional, and alternative investment activities.

Dienyung Sun is a financial advisor with J.P. Morgan Securities in Sunnyvale, CA, holding Series 63 and Series 65 designations and having 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research, employs an ESG eligibility framework, and utilizes broader derivatives and commodities capabilities.

Cody Fawbush is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. His work history includes roles at UNCLE Credit Union, CUSO Financial Services, U.S. Bank, and other financial institutions. Outside of his advisory role, he is involved in the food service industry working part-time at Chick-fil-A. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Mai Yee Marian Ting is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients and their families to help achieve financial goals and address complex financial issues by offering personalized, planning-based strategies tailored to each client’s unique situation. Marian serves a select group of affluent clients, including corporate executives, physicians, attorneys, business owners, retirees, and families with special needs children. She emphasizes a holistic approach to wealth management, which includes thorough risk management reviews and the creation of tax-sensitive investment portfolios utilizing ETFs, index-linked notes, mutual funds, annuities, and separately managed accounts. Marian focuses on intergenerational wealth transfer and works to align financial plans with each client’s vision of success. A graduate of Stanford University with a Bachelor’s degree, Marian holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her advisory work, Marian is engaged in community initiatives such as Better Money Habits. Her personal interests include cooking, dancing, gardening, genealogy, hiking, music, reading, running, traveling, and yoga.

Gulneer Sarang is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Wells Fargo, Bank of America, Merrill, Citicorp Investment Services, and Morgan Stanley. 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 offers both non-discretionary and discretionary investment options with a multi-asset model portfolio approach and centralized operational support.

Darling Pineda is a financial advisor at J.P. Morgan Securities in Menlo Park, CA, holding a Series 66 designation with 12 years of industry experience. Her work history includes multiple roles within J.P. Morgan Securities since 2014, as well as positions at California Bank & Trust and LPL Financial. 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 advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and utilizing affiliates for portfolio implementation.

Michael Cott is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides advisory services and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers a range of investment programs, combining broad retail and institutional capabilities.

Yevgeniy Koyfman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63, 65, and 66 licenses and nine years of industry experience. His prior roles include positions at Millennium Advisors LLC and Old Mission Capital LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and corporate financial planning services.

Kathy Lee is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she has been serving since 2022. In this role, she acts as the primary contact for Private Wealth Management investors and their families, focusing on delivering personalized service and supporting clients with their financial goals. Before joining Fidelity, Kathy accumulated extensive experience in the financial sector, including positions such as Managing Principal at Silicon Valley Capital Partners from 2011 to 2022, Operations Manager at Grassi Investment Management from 2006 to 2011, and Operations Coordinator at TIAA Kaspick from 2000 to 2006. She holds a California Insurance License.

James Gagnon Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and 27 years of industry experience. His career includes long-term roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in health insurance activities in San Jose, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Santiago Manrique Parra is a Series 66 licensed financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and research-based modeling techniques.

Seongu Lee is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. Before joining Merrill, Lee held positions at Bank of America, J.P. Morgan Securities, JPMorgan Chase Bank, and several other firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Tri Nguyen is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, Tri serves as an advocate for clients, collaborating to develop financial plans tailored to each family's unique needs. Tri emphasizes thoughtful strategy development, identifying opportunities for improvement, and maintaining open, ongoing communication. Tri has professional experience in the financial services industry, having served as a Premier Banker at Wells Fargo from 2021 to 2023 and as a Financial Solution Advisor at Bank of America from 2016 to 2021. Tri holds a California Insurance License. Outside of work, Tri has interests in badminton, exploring food as a foodie, and spending time with pets.