Joshua Sangalang is a financial advisor with Charles Schwab in Los Altos, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Charles Schwab Bank and various positions outside finance, such as at Bennies Bread and Pumpernickel Pickle Catering Company. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, integrating a broad range of investment options and centralized operational support.

Thuy Khanh Tran is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan entities since 2014, including JPMorgan Chase Bank, N.A. Since 2014, she has been associated with JP Morgan Securities LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Vicky Wong is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan Chase Bank and JP Morgan Securities since 2017, with prior experience at Verizon Wireless. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm operates as both a broker-dealer and investment adviser, delivering recommendations on a non-discretionary basis supported by an in-house manager solutions team and centralized due diligence.

Luke Sweet is a financial advisor at Morgan Stanley in San Jose, CA, holding a Series 66 license with six years of industry experience. Before joining Morgan Stanley in 2018, he worked at Lyft for one year and spent two years at the University of California, Davis. Sweet also served in the United States Army National Guard from 2008 to 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Tom Gai is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities, LLC since 2016. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

Peter Wisowaty is a financial advisor with Morgan Stanley in Palo Alto, CA. He holds the Series 66 designation and has professional experience beginning in 2023 with Mass Mutual Investors Services and MassMutual Life Insurance Co before joining Morgan Stanley in 2025. His prior work includes roles in education and retail. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, without providing individual security recommendations as part of its standalone financial plans.

Antoine Malouin is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. He began his career at Ameriprise in 2023 after completing his studies at UC Irvine. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing managed accounts and algorithmic support in its advisory process.

Anthony Essma is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services Inc. and Morgan Stanley since 2014. He co-owns a rental property with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and emphasizes advisory services without offering individual security recommendations as part of standalone financial plans.

Fred Rice is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His career includes roles at firms such as Charles Schwab, E*TRADE, Royal Alliance Associates, and J.P. Morgan Securities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management arrangements through an integrated platform.

Yang Chen is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients identify their financial priorities and develop strategies to pursue their financial goals. Yang holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Master's Degree from Boston University and a Bachelor's Degree from Indiana University.

Michael Manneh is a financial advisor at Morgan Stanley with eight years of industry experience. He previously worked at First Republic Bank for 21 years and Flagtar Private Bank for two years before joining Morgan Stanley in 2025. He holds Series 63, Series 65, and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Jacqueline Mayer is a CFP® certificant with 44 years of industry experience, currently advising at Cetera. Her career includes roles at Avantax Investment Services and LPL Financial, as well as managing her own firm, Mayer & Associates Advisory LLC. Outside of her advisory work, she manages a separate business that involves leasing office space. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform offering a range of portfolio management and advisory services through a network of over 10,000 advisors.

Robert Vaughan is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with nine years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Apttus from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Clayton Vandenbossche is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He previously worked at Merrill Lynch and E.K. Riley Investments before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Mohammad Umar Shams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Bank of America, Merrill, HSBC, JP Morgan Securities, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Minyu Chang is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following seven years at UBS Financial Services. Outside of his advisory role, he is involved in property management as a sole proprietor in San Francisco. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment guidance from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers services that combine both advisory and broker-dealer capabilities.

Tushar Zalpuri is a Senior Financial Advisor with Merrill Lynch Wealth Management, utilizing the investment resources of Merrill Lynch and the banking services of Bank of America to support various aspects of clients' financial lives. Since joining Merrill Lynch in 2015, he has focused on working with high net worth individuals, households, business owners, and professionals throughout the Bay Area to develop and maintain personalized financial strategies. His client services include corporate executive services, family wealth management, legacy planning, retirement income, and socially responsible investing. Tushar holds a bachelor's degree in economics with a minor in communications from the University of California, Davis. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in Hindi, Spanish, and English, he also participates in professional organizations such as the Serra Alumni Board, UC Davis Men's Rugby, and Zeta Psi Fraternity, Inc. Originally from San Mateo, California, Tushar now resides in San Francisco. While at UC Davis, he was a member of the rugby team that won the D1AA National Championship in 2015. In his spare time, he enjoys running marathons, attending local sporting events, basketball, football, spending time with family, traveling, and watching movies.

Sameer Kalra is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at UC San Diego and UC Santa Cruz, as well as a four-year tenure at UPS. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning that incorporates firm‑approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Michael Matsuno is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked at California Polytechnic State University and Nordstrom. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Hui Xu is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and has 28 years of industry experience. Xu has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of Morgan Stanley, Xu coordinates educational activities with the Stanford Financial and Risk Modeling Institute. 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 employs structured planning tools and market modeling techniques in its financial planning process.