Jessica Lee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs to individuals and institutions, focusing on tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenarios to help clients develop financial plans.

Jeffrey Migneault is a CFP® professional with 22 years of experience in the financial services industry. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supporting approximately $1.01 trillion in assets under management.

Daniel Robbins is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He partners with clients and their families to build financial plans that align with their goals, focusing on understanding their individual needs and collaborating to identify strategies suited to their unique financial situations. Prior to this, Daniel worked as a Relationship Manager at Fidelity Investments from 2020 to 2023 and as a Workplace Planning Consultant from 2019 to 2020. Before joining Fidelity, he was a Financial Business Analyst at OppenheimerFunds, Inc. from 2003 to 2019. Daniel holds a California Insurance License. Outside of his professional work, he engages in various physical activities including biking, kayaking, running, snowboarding, surfing, and yoga.

David Heiman is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at Citigroup Global Markets and Morgan Stanley Smith Barney, with over a decade at Morgan Stanley Private Bank. Heiman serves as Treasurer and Finance Committee Board Member for the Leo M Shortino Family Foundation, a nonprofit focused on children and youth. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory services to individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm provides tailored financial planning supported by structured processes and firm-approved tools but generally acts in an advisory capacity without offering individual security recommendations as part of standalone plans.

Ting Gong is a financial advisor with J.P. Morgan Securities in Union City, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining J.P. Morgan Securities in 2022, Gong worked at Citibank from 2017 to 2021. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process integrates systematic quantitative screening and qualitative research to develop model asset allocations and includes broader derivatives and commodities capabilities compared to many institutional programs.

Bao Nguyen is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Bao worked at Kestra Financial Services, New York Life, and LPL Financial. Outside of advisory work, Bao has involvement with Thriving Asset Management, where he assists with administrative tasks and client service related to insurance. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zhen Zhang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various J.P. Morgan entities since 2013. 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 and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Neepa Shah is a financial advisor at Mass Mutual Investors Services with 16 years of industry experience. She holds a Series 66 designation and has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2010. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative financial planning using firm-approved software and offers specialized programs including estate settlement, employer-sponsored planning, and recently added divorce planning.

Julie Shieh is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes roles at Merrill, Bank of America, and Charles Schwab. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that combine discretionary and non-discretionary portfolio management with financial planning and brokerage services, using both in-house and third-party investment managers.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at MML Investors Services and MassMutual Life Insurance Company. She has been with J.P. Morgan since 2017, including time at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, offering access to a range of eligible investment strategies and affiliated portfolio services.

Tien Vo is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding a Series 66 designation and seven years of industry experience. He has worked with various J.P. Morgan entities since 2018 and previously worked outside finance at San Jose Physical Therapy and HumanitiesDC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative screening and qualitative research, incorporating ESG considerations and supported by affiliates that provide implementation and portfolio services.

John Moran is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 research and capital markets support through its global platform.

Paige Hovermale is a financial advisor at Merrill in Palo Alto, CA, holding a Series 66 designation with no prior industry experience. Before joining Merrill and Bank of America in 2026, Paige worked briefly at RBC PH&N and has held various positions outside the financial industry, including roles at the UBC Tennis Centre and University of British Columbia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Megia is a financial advisor with J.P. Morgan Securities in San Jose, CA, holding Series 63 and Series 66 licenses with 10 years of industry experience. His prior roles include positions at Merrill Lynch, Fidelity Investments, Fisher Investments, and Wells Fargo. 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, while clients retain final decision-making authority.

Thu Huong Nguyen is a Planning Consultant at Fidelity Investments, a role she has held since 2024. Prior to this, she served as a Relationship Manager at Fidelity Investments from 2022 to 2024. Thu Huong has extensive experience in financial services, having worked as a Financial Advisor at Merrill Lynch from 2018 to 2022, a Registered Representative at Transamerica Financial Advisors, Inc. from 2015 to 2018, and a Financial Services Professional and Agent at New York Life Insurance Company and NYLIFE Securities, Inc. between 2003 and 2015. She earned a Bachelor's degree in Applied Mathematics from the University of California, Berkeley. Thu Huong holds a California Insurance License, supporting her work in financial planning and insurance services. Outside of her professional career, she engages in community volunteering and fundraising, reflecting her commitment to giving back. Her personal interests include art, family activities, food, and music.

Donald Bogue is a financial advisor at Osaic with eight years of industry experience. He holds the Series 66 designation and has previously worked at Lincoln Financial Advisors, LPL Financial, and HD Vest. Osaic Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, with a range of programs including financial planning, advisor-managed portfolios, and retirement plan consulting.

Allan Walsworth is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009 and at Morgan Stanley since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Brian Penzel is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he serves on the board of the Logistics Advances Research Center, sits on the Board of Trustees for the Moreland School District, and acts as treasurer for the Saratoga Federated Church. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and resources.

Tongjing Wu is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping clients develop strategies to pursue their financial goals. As a Personal Investment Advisor (PIA), Tongjing takes the time to understand clients' priorities and provides guidance on areas including investing, retirement planning, and saving for unexpected events. Tongjing also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Tongjing holds a Bachelor's Degree from Zhejiang University of Finance and Economics and a Master of Business Administration (MBA) from the University of Southern California. Fluent in both English and Mandarin, Tongjing offers ongoing advice and support tailored to clients' evolving needs.

Vincent Yip is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo and JP Morgan in various capacities. 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 based on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer agreements.