Daniel Miller is a Series 66-credentialed financial advisor at Charles Schwab in San Francisco, CA, with one year of industry experience. His prior roles include positions at Celigo, Emergence, and Doma, as well as periods dedicated to extended travel. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Queenie Ngo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and six years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2004 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Isaac Feldstein is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and five years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Itamar Medical, and a position with the Committee on Ways and Means in the U.S. House of Representatives. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Tammy Lau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 21 years of industry experience. She previously worked at BancWest Investment Services and Bank of the West from 2003 to 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Echeverria is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2014. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Raymond Jew is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes positions at Merrill Lynch, Concert Wealth Management, and Morgan Stanley before joining J.P. Morgan Securities in 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Anna Levaggi is a Series 63-licensed financial advisor with 30 years of industry experience. She has been with Merrill since 2013, working in their San Mateo, CA office. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tyson Lai is a financial advisor with Wells Fargo Clearing in Los Altos, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Ting is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2002, joining his father and brother at Merrill Lynch. Jason focuses on philanthropic giving strategies and has appeared in national and local television and print media as an approved financial advisor spokesman for Merrill Lynch. He strives to understand each client's individual needs to help craft wealth management strategies tailored to meet short-term needs and long-term goals. Jason has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University of California, San Diego with a bachelor's degree in Communications and a minor in Video Production/Public Relations. Jason is multilingual, speaking Korean, Spanish, Chinese, and English. In addition to his professional work, Jason is involved in community organizations such as the Leadership Council of San Mateo County, Mills-Peninsula Hospital Foundation, Protect Our Defenders, and Samaritan House in San Mateo County. He has served on boards and in fundraising roles. In his free time, Jason enjoys playing tennis, attending the theater, and pursuing his interest in cars. He lives in San Mateo, California with his wife and daughter.

Paul Luciano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1993. He serves a client base consisting mainly of entrepreneurs and venture capitalists, focusing on comprehensive financial planning and portfolio management. Paul emphasizes liability management, tax minimization, estate planning, and the inclusion of non-correlated assets such as private and public equity and alternative investments in portfolios to help clients achieve their long-term financial goals with reduced risk. Paul holds a Bachelor's degree in Finance from California State University, Long Beach, and also studied at Northeastern University in Boston. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds the Chartered Retirement Planning Counselor™ designation. In his role, he manages portfolios on a discretionary basis, using a variety of investment strategies including individual securities, model portfolios, and third-party strategies. Originally from New York, Paul has lived in the Bay Area for over 30 years. He and his wife, Leslie, have three children and share interests in fitness and outdoor activities such as skiing and golf. Paul is also involved in community service, having served on several non-profit boards.

Araceli Castaneda Ramirez is a financial advisor at Morgan Stanley in San Mateo, CA, holding a Series 66 designation with two years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at H&R Block and American Girl. Outside of her advisory role, she owns and operates retail online stores on platforms including Etsy and Facebook Marketplace and has worked as an extra/actor/model. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering financial planning and a wide range of advisory programs supported by structured planning tools and broad market expertise.

Brian Yoo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA. He holds a Series 66 designation and has over 13 years of experience at Wells Fargo affiliated entities, including Wells Fargo Bank and Wells Fargo Clearing Services. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Rasa Petrauskaite is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley, Bank of America, and Merrill. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis, allowing clients to retain final decision-making authority.

Daniel Kolb is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 15 years of industry experience. He has worked 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 providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Gilbert Zucker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes tenures at Merrill and Bank of America before joining Morgan Stanley and its affiliated entities in 2020. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning tools and investment modeling, serving clients through personalized financial advice and estate planning strategies.

Robert Gardner is a Series 66-licensed financial advisor with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2024 and previously held positions at Charles Schwab and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

David Mumford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and committee-driven investment estimates in its financial planning process.

Jordon Luo is a Financial Consultant who employs a consultative, data-driven approach to financial advice, focusing on planning, portfolio construction, and measurable outcomes. He assists clients in evaluating trade-offs, managing risk, and aligning investments with long-term goals, with particular attention to tax efficiency. Jordon has held several roles in the financial services industry, including Investment Consultant and Planning Consultant at Fidelity Investments, Relationship Manager for Corporate Brokerage Solutions at Morgan Stanley, Branch Service Representative at E*TRADE from Morgan Stanley, and Relationship Banker and Small Business Specialist at JPMorgan Chase Bank, N.A. He holds a California Insurance License. Outside of his professional career, Jordon competes as a professional MMA athlete, an experience that reinforces discipline, preparation, and accountability in his client relationships. His personal interests include comedy, fitness, and golf.

Kiara Adrienne Jaro is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior roles include work with the Bay Area Ballet Con, Myriad Music School, and the San Francisco Giants. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Carl Wong is a Financial Consultant currently working at Fidelity Investments since 2024. He has extensive experience in the financial services industry, having served as a Financial Consultant at Charles Schwab from 2020 to 2024, Branch Manager roles at TD Ameritrade from 2018 to 2020 and at Scottrade from 2016 to 2018, and as an Investment Consultant at TD Ameritrade from 2014 to 2016. In his role, Carl focuses on helping clients strengthen their financial wellbeing by collaborating to create customized planning strategies. He emphasizes understanding clients' goals thoroughly and providing personalized guidance, aiming to build lasting relationships and support clients through various life stages. Carl holds a California Insurance License. Outside of his professional work, Carl has personal interests in comedy, hiking, and movies.