Molly Pratt is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, having previously been employed at Bank of America, N.A. from 2015 to 2020. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sneha Karihaloo is a financial advisor at Charles Schwab with eight years of industry experience. She holds the Series 63 and Series 66 designations. Her prior work includes roles at Farmers Financial Solutions, Farmers Insurance Group, and SSFINSURE. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios with strategic asset allocation and alternative investment options.

Shabana Sobhan is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this position, she focuses on helping clients pursue their financial goals through in-depth, customized planning. She aims to build relationships, educate clients, and assist them in leveraging Fidelity's resources to establish and maintain a strong financial future. Prior to joining Fidelity Investments, Shabana worked as a Private Client Banker at JPMorgan Chase from 2016 to 2023. Her experience in these roles centers on financial planning and client relationship management. Outside of her professional work, Shabana has personal interests that include board games, concerts, museums, reading, scuba diving, and volunteering.

Melvin Honda is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 43 years of experience in the industry, including prior roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he operates as an independent insurance agent specializing in dental, disability, life, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning and asset management services through structured, collaborative engagements using firm-approved analytical tools.

Phong Ly is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and eight years of industry experience. His work history includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank, and Chase. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Investacorp Inc. Since 2009, he has also operated an investment-related business, Trinity Financial Services, where he serves as owner. OSAIC serves a diverse client base including individual investors, corporations, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk assessment, and access to multiple advisory platforms and third-party money managers.

Michael Santangelo is a Series 66 licensed financial advisor with 11 years of industry experience, currently working at J.P. Morgan Securities in Los Altos, CA. He has been with J.P. Morgan entities since 2014, including roles at JPMorgan Chase Bank, N.A. Outside of his advisory work, he has been involved with community church organizations. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Paul Wong is a financial advisor with Cetera in San Jose, CA, holding a Series 66 designation and 26 years of industry experience. He has been associated with Cetera and its related entities since 1999 and has operated as a self-employed financial professional since 1998. Outside of advising, Wong provides notarization services for clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers, supporting a range of program structures and custodial relationships.

Michael Corley is a CFP®-designated financial advisor at Morgan Stanley with 42 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a board member for the Phi Kappa Sigma Fraternity in Berkeley, California. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm‑approved tools and models.

Wen Wu is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 23 years of industry experience. Wu has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. 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. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and modeling techniques.

Sigal Barak is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 65 and Series 63 credentials with one year of industry experience. Prior to joining Morgan Stanley in 2024, Sigal worked at Deloitte from 2022 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory and financial planning services supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides financial plans that incorporate multiple analytical methodologies.

Ronald Lohbeck is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 57 years of industry experience. He has worked at UBS Financial Services since 2019 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advising, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a range of capital markets services.

Eliezer Lopez is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2012. He operates under the DBA Sequoia Wealth Advisors & Investment Management, Inc. in San Jose, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robin Zhao is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining UBS in 2018, Zhao worked at IBM for one year and was affiliated with New York University for four years. 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, supported by proprietary research and a broad platform of capital markets solutions.

Yingquan Zhang is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at BMO Harris Bank, LPL Financial, Citigroup, and Citibank. Outside of his advisory work, Zhang is involved with IHSS, a non-investment related activity he has participated in since 2017. 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 approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Collin Chu is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A., Merrill, Ardent Capital, and has prior experience at San Jose State University and Round Table Pizza. 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.

Yu Hong Tan is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2024, Tan worked at Charles Schwab and Charles Schwab Bank from 2022 to 2024 and has earlier experience in the hospitality sector. Outside of advising, Tan is a co-owner of a family rental property in Sacramento. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies developed by internal and third-party managers for a range of clients including individuals, high-net-worth clients, and institutions.

Vivek Thoppay is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Thoppay Team, serving a select group of executives, entrepreneurs, business owners, and multi-generational families. Since starting his career at Merrill Lynch in 2002, Vivek has built a team emphasizing intellectual rigor, thoughtful customization, and committed service to address the complex financial needs of his clients. Vivek advises clients on a variety of areas including management of concentrated stock, liquidity events, estate planning, tax minimization, retirement income, and philanthropy. His approach includes coordinating with clients' CPAs, attorneys, and other professional advisors to ensure a comprehensive financial strategy. He holds multiple professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Vivek earned bachelor's and master's degrees from the University of Virginia, University of Houston System, and Santa Clara University. He resides in Saratoga, California, with his wife and two sons.

Kevin O’Regan is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 40 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to evaluate investment options across a large platform serving more than 14,000 financial advisors.

Sijin Lin is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Before joining Merrill and Bank of America in 2026, Lin held roles at Uber Technologies, Inc., and various academic institutions, including the University of California, Irvine and University of San Francisco. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.