Suzanne Sickel is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 25 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors serves individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors. The firm provides both brokerage and advisory solutions and incorporates research from Wells Fargo Investment Institute and third-party sources in its investment approach.

Richard Fulton is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Merrill. He is currently based in Palo Alto, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. Their approach includes structured discovery conversations and firm-approved tools, offering planning without individual security recommendations as part of standalone programs.

Alan Wong is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2004 and focuses on creating wealth management strategies for successful executives, entrepreneurs, and business owners. Alan's approach centers on understanding clients' values and financial goals through one-on-one conversations, enabling him to develop tailored solutions for education planning, family wealth management, personal retirement planning, small business strategies, and retirement income. Alan holds bachelor's degrees in Economics and Political Science with an Education minor from the University of California system. He also holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He has served as the Chair of the South San Francisco Planning Commission and as President of the CFA Society of San Francisco's Board of Directors. Committed to community involvement, Alan is currently on the School Board at St. Roberts School and actively volunteers in local organizations. Outside of work, he enjoys spending time with his family, traveling, coaching his children's youth soccer and softball teams, and following Bay Area sports.

Stephen Lo is a CFP® professional with 33 years of industry experience, currently serving at Morgan Stanley in San Mateo, CA. His career includes positions at Wells Fargo Clearing, Merrill, Charles Schwab, and Wamu Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs for individuals and institutional clients, focusing on tailored financial planning and a structured discovery process supported by firm-approved tools.

Alain Cousin is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Bank of America and Merrill for nine years combined and spent a year at Raiser LLC. Outside of his advisory role, he serves as a licensed soccer referee with the Peninsula Soccer Referee Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Hoang Luu is a financial advisor at Morgan Stanley with two years of industry experience. Before joining Morgan Stanley, he worked at Johnson & Johnson Vision for six years and Abbott Medical Optics for an additional six years. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Peiyi Lin is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Their prior roles include positions at Citibank, N.A. and Old Republic Title Company. Peiyi is based in San Mateo, CA. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, with a financial planning process that uses structured discovery and firm-approved tools to develop client plans. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Jonathon Davidson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and JP Morgan Securities, among other roles. He was also the sole proprietor of Blake and Williamson, LLC, a holding company no longer in use. 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, institutions, and charitable organizations.

Aaron Nichols is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63, 65, and 66 licenses and 22 years of industry experience. His prior roles include positions at First Republic Investment Management and Charles Schwab. Outside of finance, he is a passive investor and owner partner of Hope Management LLC, a real estate and hospitality company operating a winery in Napa, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with a forward-looking capital market approach and includes ESG considerations.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Jonathan Noriega is a financial advisor at Edward Jones in San Carlos, CA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Advisors, and BDO USA LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Wolffe is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 16 years of industry experience. He has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Lucas Andrighetto is a financial advisor at Morgan Stanley with Series 66 credentials and three years of industry experience. He has been with Morgan Stanley since 2022 and also has business involvement with DubClub, a technology venture, and Shasta Produce Co., a wholesale distribution company. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and offers a wide range of investment and financial solutions.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. 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 range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Patrick Heslip is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC, he held various roles including positions at UC San Diego and California Volunteers. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning supported by structured discovery processes and firm-approved tools.

Crispin Hanshaw is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2020, following 18 years at Charles Schwab. Based in Palo Alto, CA, Hanshaw focuses on providing advisory services under a major wealth management firm. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling to support its advisory process.

Edgar Diaz is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior work history includes roles at Apple and Sodexo. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs, providing integrated advisory, brokerage, custody, and cash-sweep services.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2003 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics from its investment institute.

Vladimir Martynov is a Vice President and Financial Consultant currently working at Fidelity Investments since 2019. He has over a decade of experience in the financial industry, having previously served as Vice President Financial Advisor at JPMorgan from 2012 to 2019. His professional expertise includes retirement income planning, long-term investment strategies, disciplined portfolio construction, and tax-efficient investing. Vladimir holds a California Insurance License. Outside of his professional career, he has personal interests that include cars, fitness, parenthood, skiing, soccer, and traveling.

Jacques Shepherd is a Series 66 licensed financial advisor with six years of industry experience, currently with J.P. Morgan Securities in Palo Alto, CA. His prior experience includes roles at UBS Financial Services and JPMorgan Chase Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.