Shao Te is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2011. He is based in Palo Alto, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Shruti Gauba is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. She holds the Series 66 designation and has been with J.P. Morgan Securities since 2011. 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, distribution, and investment management capabilities.

Douglas Ingham is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including customized financial planning through its Financial Advisors and Estate Planning Strategies Group.

Veronica Parengkuan is a Series 66-credentialed financial advisor with five years of industry experience. She has worked at LPL Enterprise since 2024 and previously held roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, and MassMutual Life Insurance Company. Prior to her financial services career, she spent over a decade at Dell. LPL Enterprise serves a wide range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and brokerage services through a network of investment adviser representatives.

Thach Nguyen is a financial advisor at Morgan Stanley with eight years of industry experience. He previously worked at RBC Capital Markets and held roles at Transamerica Financial Advisors, Realty One Group-Infinity, and World Financial Group. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment modeling techniques.

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 financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at various J.P. Morgan entities since 2014, as well as a brief tenure at Morgan Stanley. Outside of his advisory role, he has been involved with several community churches. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Paul Wong is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 1999. In addition to his advisory role, he provides notarial services for clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

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 63 and Series 65 licenses with one year of industry experience. Prior to joining Morgan Stanley in 2024, Barak worked at Deloitte from 2022 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.

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 with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He operates a business under the name Sequoia Wealth Advisors & Investment Management, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 in San Jose, CA, holding Series 63 and Series 65 licenses and two years of industry experience. His work history includes positions at Wells Fargo Bank, BMO Harris Bank, LPL Financial, Citigroup, and other institutions. Outside of his advisory role, Zhang has been involved with In-Home Supportive Services (IHSS) since 2017. 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 offers a range of brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party sources while managing approximately $671 billion in assets under management.