Hung Ha is a financial advisor at Merrill in San Jose, CA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Bank of America and operating Tay Ho Restaurant. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Michael Scandalios is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with UBS since 2002 and has worked in the financial sector since 1998. Outside of his advisory work, he is also an author of novels. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets and banking services.

Ann Sheehan is a financial advisor with Osaic Wealth, holding a Series 63 designation and bringing 48 years of industry experience. Before joining Osaic in 2024, she worked at Securities America Advisors and Foothill Securities, among other firms. She is also the owner of a tax preparation and planning business and serves as vice president of the FAMA Foundation, a charitable organization. Osaic Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering comprehensive financial planning and investment management through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation, portfolio optimization, and a range of managed portfolio programs supported by various custodial and advisory relationships.

Stan Sklenar is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a co-author involved with Larstan Publishing, where he contributes to a book on investment management. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships as well as corporate financial planning agreements.

Julius Brauner IV is a financial advisor at Osaic with 46 years of industry experience. He holds a Series 63 credential and has worked previously at Securities America Advisors Inc, Securities America, Inc, and The Brauner Company. Outside of advisory roles, he operates as an insurance agent focusing on term life insurance and fixed annuities. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process featuring portfolio optimization and multiple advisory strategies, supported by a broad affiliate network and private-equity ownership.

Jayne Love Arburn is a financial advisor at OSAIC with two years of industry experience. She holds the Series 66 designation and has previously worked at Woodbury Financial Services Inc. and Lindsey Hanley. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach incorporates model-based asset allocation and portfolio optimization, supported by various tools and strategies tailored to client needs.

Ngan Do is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Bank of America and Merrill since 2017. 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 for individuals, high-net-worth clients, and institutional accounts.

Harish Pai is a financial advisor at Edward Jones in Sunnyvale, California, with eight years of industry experience. He has held his current role since 2017 and previously worked at Northern Trust Operating Services. Pai is also involved in online tutoring, specializing in CFA-related subjects through the platform Wyzant. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Teresa Johnson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she is the sole owner of a rental property in Nampa, Idaho. 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 for individuals, high-net-worth clients, and institutions.

John Lewis is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in Santa Clara, CA, with 14 years of industry experience. He has held roles at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2009. Outside of his advisory duties, he serves as a trustee for family revocable trusts that own residential rental properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering a range of eligible strategies including those incorporating ESG criteria.

Yiukong Lau is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and 65 licenses and bringing 10 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company, as well as experience with Farmers Insurance and rideshare companies Lyft and Uber. Outside of his advisory work, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, utilizing software tools and a collaborative approach to help clients address their financial goals.

Christopher Phillips is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Fidelity, New York Life, and other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Luis Ruelas is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Sears Holdings Corp. Luis is based in San Jose, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and uses a range of investment strategies, including an ESG eligibility framework.

Caitlin Luttrell is a financial advisor with Raymond James Financial in Los Gatos, CA, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Raymond James Financial Services Advisors Inc. since 2016 and Raymond James Financial Services, Inc. since 2015. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Namal De Silva is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked previously at TD Ameritrade for 20 years. De Silva is also a property owner in San Jose, California. 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 access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Joseph Bummer is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies in its financial planning process.

Yuliya Kuzmenko is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked within various Morgan Stanley entities since 2015. Outside of her advisory role, she operates a retail and online store business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery conversations and advanced modeling tools, serving clients in both advisory and brokerage capacities.

Quyen Nguyen is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 credential and seven years of industry experience. Nguyen has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Outside of advisory work, Nguyen is involved in commercial real estate investment through ownership and partnership roles in several related entities. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Danielle Aldama is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and bringing 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Aldama is involved in independent sales of hair care products and jewelry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Andrew Le is a financial advisor with UBS Financial Services in Palo Alto, CA, holding the Series 66 designation and over 25 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. 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 provides proprietary research and capital markets solutions.