Michelle Ruan is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on connecting all aspects of clients' financial lives to help prioritize and pursue the goals that matter most to them. Michelle works closely with clients to understand their short-, mid-, and long-term goals, providing personalized wealth management strategies that adapt to changing market conditions. Her expertise encompasses college education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, tax minimization, and individual and corporate investment strategies. Michelle collaborates with Bank of America specialists to offer clients comprehensive banking, credit, home financing, and small business solutions as part of her advisory services. Michelle holds a Bachelor's Degree from the California State University System and has earned professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She is fluent in English and Chinese. Outside of her professional work, Michelle enjoys badminton, hiking, running, swimming, and yoga.

Nicholas Chin is an Investment Consultant at Fidelity Investments, where he has been serving clients since 2026. He previously held roles within Fidelity as a Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Nicholas gained experience as a Bank Teller at UNCLE Credit Union in 2022 and as a Commercial Banking Intern at Bridge Bank in 2021. Nicholas holds a California Insurance License, which supports his work in financial planning and investment consulting. His approach centers on active listening and creating strategies tailored to each client's goals and long-term vision. Outside of his professional career, Nicholas engages in fitness, football, golf, and volunteering activities.

Myung Woon Chun is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at firms including First Republic Securities Company, J.P. Morgan Securities, Stifel, and Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Arman Bhangu is an Investment Consultant currently working at Fidelity Investments since 2025. He previously served as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. In his role, Arman focuses on goal-based planning and providing personalized investment guidance to help clients achieve financial confidence. Arman holds a California Insurance License, which supports his efforts to offer comprehensive financial advice. His approach aims to foster trust and assist clients in navigating important financial decisions with clarity and confidence. Outside of his professional work, Arman has personal interests that include cars, comedy, fitness, hiking, and spending time with pets.

Kim Pham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and seven years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2018 and Wells Fargo Bank NA since 2015. 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, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.

Daniel Gieseke is a financial advisor at Morgan Stanley in Menlo Park, CA, with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Prior to that, he was associated with Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Erick Ortez is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. He previously worked at J.P. Morgan Securities from 2012 to 2018 before joining Wells Fargo Clearing. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Shou Chan Lee is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning approach uses structured discovery and firm-approved tools, offering tailored plans without individual security recommendations as part of standalone services.

Catherine Fang is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market simulations.

Vaibhav Rana is a financial advisor with J.P. Morgan Securities LLC, holding Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Tata SIA Airlines Limited, and Jet Airways. 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 in its recommendations. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Katherine Ryan is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has previously worked at Merrill, Lazard Asset Management, First Republic Investment Management, and First Republic Securities Company. 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 in its recommendations.

Nikolay Varbanets is a financial advisor at Morgan Stanley with 12 years of industry experience. He has held roles at Morgan Stanley Smith Barney LLC since 2014 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is the sole proprietor of a rental property business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Stephen Maluchnik is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Maura Escalante is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and seven years of industry experience. She has worked at Wells Fargo Clearing Services LLC since 2018 and has been with Wells Fargo Bank NA since 2015. Prior to her advisory roles, she was involved with Archimedes Banya from 2015 to 2017. 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 from Wells Fargo Investment Institute and third-party data.

Yan Huang is a financial advisor with UBS Financial Services in Fremont, CA, holding a Series 66 designation and nine years of industry experience. He has been with UBS Financial Services Inc. since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

James Kuzmich is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2000. Outside of his advisory role, he is a general partner at Advanced Emergency Systems LLC, a company specializing in emergency services and response software, and serves as a Hospitality Ambassador for Ruby Hill Winery in Pleasanton, California. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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 institutions.

Triccia Bana is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity, she worked at MarketCast and Phoenix Marketing International among other roles. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Teresita Ford is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2024. She previously worked as a Financial Consultant at Fidelity Investments from 2022 to 2024, and before that, as a Financial Advisor at Edward Jones from 2020 to 2022. She also served as a Branch Office Administrator at Edward Jones from 2018 to 2019. Teresita holds a California Insurance License. She focuses on taking a holistic approach to understanding her clients and what is important to them, aiming to co-create personalized financial plans that help clients feel organized and in control of their finances and legacy. Outside of her professional work, Teresita enjoys hiking, reading, running, soccer, and traveling.

William Zaslow is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning services that utilize firm-approved tools and modeling techniques to support client goals.

Adam Nieto is a financial advisor with LPL Financial in Fremont, CA, holding Series 63 and Series 66 credentials and over 31 years of industry experience. His prior roles include positions at Dcn Wealth Management, Sorrento Pacific Financial, LLC, and Fremont Bank. Outside of his advisory work, he is the owner of a home-based business called CardBoom4 Collectors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.