Veronica Vu is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and five years of industry experience. Her prior work includes roles at B & B Machining and Smittenkiss Weddings & Events. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through tailored asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with a focus on eligible strategies and incorporates ESG criteria within its investment approach.

Rosario Oliveri is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience in the financial industry, including expertise in investments, banking, insurance, and real estate. He assists clients with various financial planning needs such as college education planning, executive compensation, family wealth management strategies, legacy planning, retirement income, and tax minimization. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Rosario graduated from the University of Washington's Foster School of Business with a bachelor's degree, where he concentrated his studies in finance. Rosario is a member of the professional organization Sons of Sicily and is involved in community service through the Second Harvest Food Bank in San Jose. His approach focuses on educating and guiding investors through their wealth-building journey with a long-term plan and steady vision for the future.

An Le is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Merrill, An worked at J.P. Morgan Securities LLC and Bank of America. 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. The firm offers model-based and discretionary investment strategies for a broad range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shashi Bhagat is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and scenarios to guide financial decisions.

Natasha Escareno is a financial advisor with LPL Financial in Cupertino, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. She has worked with firms including Cetera, Meriwest Wealth Advisors, Wells Fargo Clearing, and Chase Investment Services. 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 a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Sarah Freitas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA. She holds Series 63 and Series 66 designations and has three years of industry experience, including prior roles at LPL, BMO Bank, Citibank/Citigroup, and Tech Credit Union. 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 through a centralized due diligence process and offers a program with broader derivatives and commodities capabilities.

Yubi Li is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. Li holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, First Republic Investment Management, and Wells Fargo Clearing. Based in Palo Alto, CA, Li’s background includes roles at both investment management and clearing firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, manager searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research to build model allocations and includes broader derivatives and commodities capabilities.

Apollo Santos is a Financial Consultant currently working at Fidelity since 2023. He assists clients in creating financial plans tailored for individuals and families at various stages of their lives. Prior to this role, he served as an Executive Relationship Manager at E*TRADE from Morgan Stanley between 2020 and 2023. His expertise includes wealth planning and investment strategies, leveraging his team's dedication to provide personalized financial guidance. Apollo holds a California Insurance License, supporting his work in financial consulting and client services.

Narayana Murthy Nyayapati is a financial advisor at Edward Jones in San Jose, CA, holding CFP® and ChFC® designations, with five years of industry experience. His prior roles include positions at Moolya Wealth Management, Becton Dickinson and Company, and Vistex, Inc. He also consults in technology architecture and project management on a part-time basis. Edward Jones is a full-service wealth management firm serving over four million clients, offering a range of investment advisory programs and fiduciary services supported by a nationwide network of more than 23,000 financial advisors.

Charles Mok is a Senior Financial Advisor with Merrill Lynch Wealth Management, a role he has held since joining the firm in 2009. He has been a financial advisor since 1980, bringing decades of experience in total wealth management to his clients. Charles focuses on areas including family wealth management strategies, legacy planning, retirement and investment planning, liquidity management, portfolio management services, tax minimization, and both individual and corporate investment strategy. His investment approach employs a top-down methodology, beginning with an analysis of the fundamentals of each country's economy to inform sector and individual investment selections. Charles has extensive experience in stock, bond, and mutual fund research and incorporates alternative investments selectively to enhance portfolio construction. He holds the designation of Personal Investment Advisor (PIA) and earned his High School Diploma/GED from the University of Texas System. Outside of his professional work, Charles participates in community volunteer activities consistent with Merrill’s tradition of community involvement. His personal interests include basketball, chess, cooking, photography, and traveling.

Daniel Plascencia is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and one year of industry experience. He previously worked at LPL Financial, Excite Credit Union, Charles Schwab, Securitas, Allied Universal, and World Financial Group. Outside of advisory roles, he is a commissioned notary in California. Wells Fargo Clearing provides retirement plan consulting to ERISA-qualified and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Anil Ratnani is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining LPL Financial in 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors and extensive non-advisory financial activities.

Thomas Ransohoff is a financial advisor with Merrill in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Merrill since 1991 and concurrently associated with Bank of America since 2009. Outside of his advisory role, he contributes time monthly to Sacred Heart Community Service in San Jose, assisting with workforce reintegration and skill development for community members. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers both model-based and discretionary investment strategies developed by internal and third-party managers, with various portfolio implementation options tailored to client needs.

Richard Simpson is a Series 66 licensed advisor with 21 years of industry experience, currently serving clients at Ameriprise in Santa Clara, CA. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. In addition to his advisory role, he is involved in independent insurance brokering with several health insurance providers, including Blue Shield, Anthem Blue Cross, Kaiser Permanente, and United Healthcare. Ameriprise Financial Services is a diversified firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning through a collaborative, non-discretionary approach that integrates proprietary investment research and third-party data.

Scott Rash is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009. Rash serves as a non-public arbitrator for the Financial Industry Regulatory Authority. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Veronica Aquilina is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 10 years of industry experience. She has been with UBS Financial Services Inc. since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through both brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and a broad range of capital markets solutions.

Tina Wang is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2016. She has over a decade of experience in the financial services industry, including previous roles as a Financial Consultant at Fidelity Investments in 2015 and as Vice President and Financial Consultant at Charles Schwab from 2011 to 2015. Her expertise lies in wealth planning and developing dynamic financial plans tailored to clients' needs. Tina is committed to assisting clients in selecting managed offering strategies designed to benefit them and their families both now and in the future. She holds a California Insurance License. Outside of her professional career, Tina enjoys hiking, outdoor adventures, and traveling.

Desirae Bennett is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, she worked at Placer County Superior Court and California State University, Monterey Bay. 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 modern portfolio theory, serving as an ERISA fiduciary and including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michelle Peng is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. Outside of her advisory role, she is a partner in a technology firm focused on circuit board design and consulting. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services for both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach utilizes structured discovery and firm-approved tools, supported by advanced modeling techniques such as Monte Carlo simulations.

Ben Krugman is a financial advisor with Wells Fargo Clearing in San Jose, CA. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2004, accumulating 22 years of industry experience. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.