Marianna Frederick Pauls is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 20 years of industry experience. Her prior experience includes roles at Citigroup Global Markets, Merrill, Planmember Securities Corporation, and Ameriprise. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Charlotte Lee is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 20 years of industry experience. Her background includes roles at Wells Fargo Clearing and Wells Fargo Investments prior to joining Morgan Stanley. Outside of her advisory work, she is a sole proprietor of a rental property business. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies.

Magdalena Villalvazo is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 16 years of industry experience. She has been with Wells Fargo Clearing since 2016. 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.

Karmyn Larsen is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, World Financial Group, and Brien Shamp Nutritional Coaching/Fitness. Outside of finance, Larsen works as a fitness instructor for the Peninsula Jewish Community Center in Foster City. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Gin Yuan Lai is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 and Series 63 designations and has worked at firms including Charles Schwab, Citibank, and JPMorgan prior to joining Fidelity. His current role is based in Mountain View, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages model portfolios using mutual funds, ETFs, and ETPs and holds distinctive registrations and advisory roles within the institutional investment sector.

Kyle Morgenroth is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Morgenroth serves on the board and finance committee of the Carey School Corporation in San Mateo, California. Morgan Stanley Wealth Management offers 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 uses structured planning tools and models to support its financial advice.

Tammy Leu is a financial advisor at OSAIC with 31 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Her other business activities include serving as a statutory agent for Perry Financial Network, which is involved in the sale of term life insurance products. OSAIC Wealth serves a diverse client base that includes individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services. The firm utilizes a model-based investment approach emphasizing asset allocation, portfolio optimization, and multiple platform options supported by its extensive affiliate network.

Anh Tran is a financial advisor at J.P. Morgan Securities in Santa Clara, CA, with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan since 2018. Prior to this, he worked at Wells Fargo clearing services and Wells Fargo Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Roland Bergman is a CFP® professional with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2009. His prior experience includes roles at Woodbury Financial Services, FSC Securities Corporation, and LPL Financial. Bergman is also involved with advisory activities at Gateway Financial Advisors, LLC and CIRA. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Steven Nieto is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in retirement, income, and corporate 401(k) planning. He focuses on providing a comprehensive and personalized approach to wealth management that begins with understanding the client’s financial situation, family, and priorities. Steven develops customized strategies that remain flexible to clients’ evolving needs and market conditions, incorporating investment insights from Merrill and banking solutions from Bank of America. His areas of expertise include college education planning, corporate benefits, divorce transition planning, executive compensation, legacy planning, managing new wealth, portfolio management, and retirement income. Steven holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor’s Degree in Finance from San Jose State University. Steven is committed to community involvement, reflecting the tradition at Merrill of serving local organizations through volunteer work. Outside of his professional activities, he enjoys boating, golfing, skiing, and spending time with his family.

Christopher Hoe is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Outside of his advisory role, Hoe serves as CFO and Treasurer for the Friends of Nigeria Basketball Foundation, a charitable organization based in Menlo Park, California. 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 supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Sara Alaei is a financial advisor at Merrill in Cupertino, CA, holding a Series 66 designation with seven years of industry experience. Her prior work includes roles at Bank of America and Wells Fargo. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Heath Strasser is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63, 65, and 66 credentials. His prior experience includes roles at Fidelity Investments, American Funds Distributors, Inc., Merrill, and Advisors Asset Management, Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of advisory, brokerage, custody, and cash-sweep services. The firm operates a hybrid client relationship model featuring both non-discretionary recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Vincent Andrighetto is a financial advisor at UBS Financial Services with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2019. Prior to joining UBS, he held roles at Apple Inc. and was involved with various small businesses including wineries and bakeries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources.

John Parsons is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Cetera and operating his own firms, Parsons Wealth Management and Parsons Financial Advisors. He also manages Parsons Accounting and Tax Services, which provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Aileen Low is a financial advisor with Edward Jones in Los Altos, CA, holding the CFP® designation and Series 63 and 66 licenses. She has 26 years of industry experience, including 27 years with Edward Jones. Outside of her advisory work, she is involved in commercial and residential real estate property ownership. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Aayush Kumar is a Financial Consultant who collaborates closely with clients to understand their financial goals and develop customized plans to help achieve them. He emphasizes building ongoing relationships with clients and their families to implement sound financial strategies aligned with their expectations. He has professional experience as a Planning Consultant at Fidelity Investments from 2024 to 2025 and as a Financial Planner at Prudential Insurance Company of America from 2019 to 2024. Aayush holds a California Insurance License. Outside of his professional work, Aayush has personal interests in comedy, cooking and baking, movies, music, and running.

Nancy Knight is a Series 66-licensed financial advisor with 20 years of industry experience. She has worked at LPL Financial since 2012 and previously spent six years at Edward Jones. She is based in Fremont, CA. 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 and model portfolio programs, and supports investment advisers with tools such as machine learning for operational and research purposes.

Patrick Sweeney is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has prior experience with firms including Edward Jones, Bank of America, Merrill Lynch, Hilltop Securities, and Morgan Stanley. Outside of his advisory role, he is actively involved in youth lacrosse coaching and mentorship, serving in leadership positions with several local lacrosse organizations. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering tailored financial plans based on proprietary research and model-based asset allocation.

Shareen Jafri is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Investments, LLC. Jafri serves on the board of the Munawar Foundation, a private foundation focused on distributing funds for education, food, and clean water. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers a range of brokerage and advisory solutions supported by research and analytics.