Chun Yeung Tsang is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Tsang held roles at NYLife Securities LLC and New York Life Insurance Company. Outside of finance, Tsang previously worked with Automata Arts and Angeles Academy of Music. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and delegation to sub-advisers, as well as its advisory roles with registered investment companies and delivery of model portfolios for Fidelity Institutional Wealth Adviser.

Tingting Chen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. Prior to joining J.P. Morgan Securities in 2024, she worked at Morgan Stanley, UBS Financial Services, and HSBC in various capacities. 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’s advisory approach integrates centralized due diligence with quantitative and qualitative research and includes an ESG eligibility framework.

Roberto Martinez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes long tenures at Merrill and Bank of America prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers structured planning processes supported by firm-approved tools and analysis.

Abhishek Gupta is a financial advisor at Charles Schwab with five years of industry experience and holds the Series 66 designation. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2020. Prior to that, he worked at FutureAdvisor, Inc. and held roles at Codecademy and App Academy. Charles Schwab & Co., Inc. serves a large client base, 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 discretionary separately managed accounts and employs a multi-asset model portfolio approach.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Kelly Simms is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds a Series 63 designation and has worked for JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Stephen Clarke is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He also serves as a trustee for a trust in San Carlos, California. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including personalized financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and provides both direct and employer-sponsored financial plans.

Hyong Lark Kim is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. His career includes roles at J.P. Morgan Securities, J.P. Morgan Chase Bank, Bank of America, Merrill, Woori America Bank, and Hanin Federal Credit Union. 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. The firm’s advisory process integrates quantitative and qualitative research, utilizing a range of eligible strategies and ESG criteria.

James Patt is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on managing new wealth, personal retirement planning, and small business strategies. James holds the designation of Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Cal Poly State University San Luis Obispo. James emphasizes building trust and providing straightforward guidance to help clients create clear financial plans tailored to their goals. His approach centers on understanding clients' priorities and simplifying financial advice to support them through various stages of their financial lives.

Thomas Hunt is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill Lynch since 2007 and previously worked at M.L. Stern & Co., LLC. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Befumo is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 10 years and operated Befumo Insurance Group, Inc. for 21 years. His background includes offering disability insurance, fixed annuities, traditional life insurance, and long-term care. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies through a complex affiliate network and a platform influenced by private-equity ownership.

Jesse Zimmer is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Jesse holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves on the Investment Committee for the Burlingame Community Education Foundation, a charity supporting local schools. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services based on structured discovery and firm-approved tools, without providing individual security recommendations as part of standalone plans.

Hsiao Yun Yang is a financial advisor at Morgan Stanley with 23 years of industry experience and holds the CFP® and Series 66 credentials. Her prior experience includes roles at Wells Fargo Clearing, Citigroup Global Markets, UBS Financial Services, and Ameriprise. Outside of her advisory work, she is involved in managing rental properties in Seattle and San Jose. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include comprehensive planning and diverse investment options.

Ricky Luong is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2020, following four years at Grand Communications. Luong is based in Castro Valley, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Sue Teng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.

Ynhu Dong is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and holds a Series 66 designation. Based in Mountain View, CA, his career has been focused on advisory services within a large institutional firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Cynthia Valencia is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 66 designation and seven years of industry experience. She previously worked five years at Morgan Stanley before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and solutions.

Michelle Nguyen is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. Her prior roles include positions at JP Morgan Securities LLC, JPMorgan Chase Bank, N.A., and HSBC Bank USA, N.A. Outside of her advisory work, she is involved in managing rental property as a part-time landlord. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.