Matthew Reinhardt is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at several firms, including Buckingham Strategic Wealth and The Colony Group. Reinhardt is involved in accounting and bookkeeping for a real estate-related business outside his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

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.

Lyle Smith is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with Merrill since 1983 and concurrently with Bank of America, N.A. since 2011. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Hung Nguyen is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 22 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party investment options.

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.

Hong Phuc Duong is a financial advisor at Merrill with six years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His previous roles include positions at Bank of America, U.S. Bank, Guaranteed Rate Affinity, CitiGroup Global Markets Inc, and J.P. Morgan Securities LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Haoyi Luo is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Luo worked at CitiBank from 2018 to 2022 and held roles at My Wireless between 2015 and 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by structured discovery conversations and firm-approved tools.

Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Zhiqi Tang is a financial advisor at Ameriprise with three years of industry experience. He previously worked at Houlihan Lokey Capital and has held roles at several other firms and academic institutions. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Adoree Lee is a financial advisor at Morgan Stanley in San Jose, CA, with 17 years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at Merrill for 16 years and Rockefeller Financial LLC for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 services that encompass comprehensive planning and investment management.

Michael Simon is a Financial Consultant at Fidelity Investments, where he collaborates with individuals and families to develop investment plans tailored to their unique priorities and values. He focuses on providing education, resources, and strategies to help clients establish and maintain a path toward their financial goals. Michael has held various roles at Fidelity Investments since 2022, including Financial Representative, Relationship Manager, Investment Consultant, and currently Financial Consultant. He holds a California Insurance License. Outside of his professional work, Michael enjoys cooking and baking, playing golf, visiting museums, reading, skiing, and traveling.

Chris Mccrary is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Alan Silverberg is a Series 66-credentialed financial advisor with Morgan Stanley in San Jose, CA, and has 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Tianyi Hao is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds the Series 63 and Series 66 licenses and has worked with various entities within the J.P. Morgan organization since 2018, including Cathay Rock Investment Management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies, operating within the broader J.P. Morgan broker-dealer and banking organization.

Li Chaoying is a financial advisor at Merrill with a Series 66 designation and experience beginning in 2022. Prior to joining Merrill and Bank of America, Li worked at CITIBANK, JVTEA TEATOP, and AT&T. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies developed by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutional investors.

Anna Loegering is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise, she worked at Whova, Inc. and held various roles during her time as a student at UC Davis, including Plant Sciences Office Assistant and part-time gymnastics instructor. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program, alongside affiliated trust, insurance, and lending services.

Adela Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works with a diverse client base that includes business owners, dentists, management professionals, women, and members of the Chinese community. Fluent in English and Chinese, she communicates effectively about various investment aspects, including Employee Stock Option Plans (ESOP) and Employee Stock Purchase Plans (ESPP). With professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), Adela follows a disciplined process to understand her clients' values and develop personalized financial strategies. She holds a Bachelor's Degree from Fu Jen Catholic University and a Master's Degree from Northern Illinois University. Beyond her professional role, Adela is an author of two books and has raised three children as a single mother. She is actively involved in community service, having served as President of the ROC Villages Association of Northern California, participating in the San Francisco Taiko Group as a drummer, and contributing to organizations such as Tzu Chi USA and the Organization of Special Needs Family.

Douglas Brady is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 63 designation and 30 years of industry experience. He has worked at Morgan Stanley in various capacities from 2012 to 2022 before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor strategies to client goals and risk tolerances.

Blair Hansen is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at National Planning Corp, KMS Financial Services, and Securities America. Hansen is also involved as an insurance agent through Hansen Wealth Management. OSAIC serves a diverse mix of retail and institutional clients, providing integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs various portfolio construction tools and offers both discretionary and non-discretionary account management.