Jerry Khamnivong is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and previously worked at JPMorgan Securities LLC for eight years before joining Wells Fargo in 2024. Wells Fargo Advisors serves individual, corporate, and institutional clients, including pension and charitable organizations, offering investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Julian Demalleville is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and bringing nine years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Ameriprise Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes both discretionary and non-discretionary services, with a notable range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Lee Richlin is Vice President and Financial Consultant at Fidelity Investments, a position held since 2019. In this role, Lee assists clients in understanding their financial situations, planning for future financial needs, and making informed decisions for their present and future financial well-being. Lee's professional experience includes various roles at Fidelity Investments, starting as an intern in 2012 and progressing through positions such as Financial Representative and Relationship Manager before attaining the current role. Additionally, Lee worked as an Internal Sales Executive at Vanguard from 2017 to 2019. Lee holds a California Insurance License. Outside of professional activities, Lee's personal interests include comedy, concerts, pets, and table tennis.

William Hains is a financial advisor with Morgan Stanley, holding a Series 66 credential and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017, and previously held roles at Sanctuary Securities, LLC and Three Bridge Wealth Advisors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its planning process involves structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone financial plans.

Ivan Chan is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He previously worked at Sand Hill Global Advisors, LLC from 2012 to 2020 before joining Morgan Stanley and Morgan Stanley Private Bank in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

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.

Komal Shah is a financial advisor with Merrill in Mountain View, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Shah worked at Bank of America and has also been involved with the Desh Apnayen Foundation. 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 strategies for a range of individuals and institutional clients.

Navdeep Brar is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Sequoia Financial LLC and has been involved with Nirmal Brar Md Inc and Cory D Jaques Md Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating ESG criteria.

Hanyu Zhao is a CFP®-certified financial advisor with 10 years of industry experience. He is currently affiliated with Charles Schwab in Santa Clara, CA, where he has worked since 2016 across various Schwab entities. Prior to that, he was employed by JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2022. 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Roxana Jauregui Lambert is a financial advisor at Morgan Stanley based in Los Gatos, CA, holding a Series 66 designation with seven years of industry experience. Her career includes roles at Morgan Stanley, Bank of America, Merrill, Nasdaq Private Market Securities, and Wells Fargo. 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 supported by structured discovery conversations and firm-approved tools.

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.

Manoj Das is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 12 years of industry experience. He has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2019, and previously at Wells Fargo Clearing, Wells Fargo Advisors, and Credit Suisse Securities. 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 quantitative and qualitative research supported by a centralized due diligence team and incorporates ESG considerations within a broad range of eligible strategies.

Margaret Chan is a CFP® professional with 26 years of experience, currently serving as a financial advisor at OSAIC since 2024. Her prior experience includes roles at Securities America, Inc., and Foothill Securities, Inc. She is also a certified public accountant with Vasona CPA & Associates and works as a consultant with Pacific CFO & Business Solutions, Inc. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio solutions. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to multiple custodial arrangements and alternative investments.

Brian Ramirez is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop comprehensive financial plans tailored to their individual goals and circumstances. He emphasizes understanding clients' interests and passions to create flexible strategies that adapt to their evolving needs. Brian has been with Fidelity Investments since 2017, progressing through various roles including Financial Representative, Relationship Manager, and Planning Consultant before his current position. Prior to joining Fidelity, he held several positions at Wells Fargo Bank, starting as a Teller and advancing to Licensed Personal Banker. He holds a California Insurance License.

Trevor Schwartz is a CFP® with 31 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He has been with various branches of Raymond James since 2013. He is also the owner and lead advisor of Trevor Schwartz Investments, a support company operating under the Raymond James Financial Services umbrella. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad client base that includes high-net-worth individuals, corporations, pension plans, and charitable organizations.

Brian Shih is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation. He has prior work experience at Nimble Robotics, Amazon, and serves in the United States Army Reserve. His industry experience as a financial advisor is under one year. 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 including tailored financial planning and manages approximately $2.74 trillion in client assets.

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.

Brian Marquez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. His prior work includes roles at Cadaret, Grant & Co., Inc., and a decade at J.P. Morgan Chase Bank NA and J.P. Morgan Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions supported by technology tools and oversees significant discretionary assets through a large network of advisors.

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.

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.