Catherine Depuy is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015, and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates to help model financial outcomes.

Lin Qian Shao is a financial advisor at UBS Financial Services with a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, Shao worked at TD Ameritrade and has a background that includes roles in retail and nonprofit sectors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm operates with a broad range of capabilities, including fiduciary fee-based financial planning, discretionary portfolio management, and institutional trading activities.

Bradley Grayson is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Investments and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Jack Hoang Nguyen is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he spent five years at X3 Dynamic Machining Inc. and another five years at Bayside Poke. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and proprietary planning tools.

Chia Yu Lin is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Chia works with clients to develop personalized financial plans that align with their unique ambitions and priorities. Her approach involves connecting clients with the appropriate people, plans, and processes to help them pursue personal goals such as funding education, planning for retirement, and managing long-term family objectives. Chia holds a Master of Business Administration (MBA) from Ashland University and has earned the designation of Personal Investment Advisor (PIA). She emphasizes simplicity and transparency in wealth planning to make the investment process more accessible and manageable for her clients.

Lauren Sagan is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. She has worked at LPL Financial since 2019 and has prior experience at First Allied Advisory Services and McKinley Financial Group. In addition to her advisory role, she conducts retirement seminars focused on client education. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.

Benjamin Jordan is a financial advisor at Merrill with seven years of industry experience. He holds the Series 63 and Series 65 designations and has worked at several firms including Bank of America, Ameriprise Financial Services, and New York Life Insurance. Jordan is based in Palo Alto, California. Merrill, along 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, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Susannah O'Toole is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley since 2015 and previously worked at Merrill from 2009 to 2011. She holds a Series 66 designation and is based in Palo Alto, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s investment approach includes structured planning tools and modeling techniques, and it manages approximately $2.74 trillion in client assets.

Tod Spring is a financial advisor at Spring Capital Management in San Mateo, CA, holding a Series 65 designation with 8 years of industry experience. He has been with Spring Capital Management since 2008, overseeing the firm's advisory services. Spring Capital Management provides discretionary portfolio management to individual clients, managing approximately $17.4 million in assets across 38 client relationships. The firm emphasizes ongoing portfolio management and compliance, with detailed disclosures on investment strategies, performance-based fees, and regulatory requirements uncommon for firms of its size.

Robert Balopole is a CFA® charterholder and the principal of Balopole Investment Management Corporation in San Mateo, CA, with 26 years of industry experience. He has led his independent firm since 2000. Balopole Investment Management Corporation provides investment advisory and portfolio management services primarily to individual clients, managing approximately $31.8 million across 34 accounts. The firm emphasizes fundamental analysis and longer-term purchase strategies and offers ongoing investment supervision and regular account oversight. Additionally, the firm publishes a subscription-based periodical, which is uncommon among independent solo advisers.