Warren Cheung is a financial advisor at UBS Financial Services with 33 years of industry experience. He has held roles at Morgan Stanley and Charles Schwab prior to joining UBS in 2013. He holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals.

Ricardo Santamaria is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior roles include positions at Bank of Montreal, Bancwest Investment Services, Inc., and Bank of the West, alongside multiple tenures at Morgan Stanley and its Private Bank. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and models to support its advisory services while maintaining a diverse platform that includes retail, institutional, and alternative investment activities.

Sue Wong is a CFP® with 26 years of experience in the financial advisory industry. She is currently with OSAIC, having joined in 2024, and previously worked at Woodbury Financial Services and Questar Asset Management. Outside of her advisory role, she incorporates life insurance products as part of a holistic financial planning process through Shannan Walter Wealth Advisors, LLC. OSAIC serves a broad range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based approach to asset allocation and portfolio optimization, offering multiple advisory and brokerage services across various platform programs.

Taseer Rasheed is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has one year of industry experience, having previously worked at J.P. Morgan Securities, Wells Fargo, and Teachers Federal Credit Union, among other firms. Rasheed also served in the United States Marine Corps Global from 2021 to 2024. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Dienyung Sun is a financial advisor with J.P. Morgan Securities in Sunnyvale, CA, holding Series 63 and Series 65 designations and having 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research, employs an ESG eligibility framework, and utilizes broader derivatives and commodities capabilities.

Mai Yee Marian Ting is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients and their families to help achieve financial goals and address complex financial issues by offering personalized, planning-based strategies tailored to each client’s unique situation. Marian serves a select group of affluent clients, including corporate executives, physicians, attorneys, business owners, retirees, and families with special needs children. She emphasizes a holistic approach to wealth management, which includes thorough risk management reviews and the creation of tax-sensitive investment portfolios utilizing ETFs, index-linked notes, mutual funds, annuities, and separately managed accounts. Marian focuses on intergenerational wealth transfer and works to align financial plans with each client’s vision of success. A graduate of Stanford University with a Bachelor’s degree, Marian holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her advisory work, Marian is engaged in community initiatives such as Better Money Habits. Her personal interests include cooking, dancing, gardening, genealogy, hiking, music, reading, running, traveling, and yoga.

David Fung is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and three years of industry experience. Before joining LPL Financial in 2025, he worked at NEXT Financial Group, Inc. for two years and has prior experience in engineering roles at Applied Materials and Lam Research. Outside of his advisory work, he is employed in an engineering role at TSMC. 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, and institutional platforms, supported by a network of over 22,800 advisors.

Darling Pineda is a financial advisor at J.P. Morgan Securities in Menlo Park, CA, holding a Series 66 designation with 12 years of industry experience. Her work history includes multiple roles within J.P. Morgan Securities since 2014, as well as positions at California Bank & Trust and LPL Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and utilizing affiliates for portfolio implementation.

Yevgeniy Koyfman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63, 65, and 66 licenses and nine years of industry experience. His prior roles include positions at Millennium Advisors LLC and Old Mission Capital LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and corporate financial planning services.

Kathy Lee is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she has been serving since 2022. In this role, she acts as the primary contact for Private Wealth Management investors and their families, focusing on delivering personalized service and supporting clients with their financial goals. Before joining Fidelity, Kathy accumulated extensive experience in the financial sector, including positions such as Managing Principal at Silicon Valley Capital Partners from 2011 to 2022, Operations Manager at Grassi Investment Management from 2006 to 2011, and Operations Coordinator at TIAA Kaspick from 2000 to 2006. She holds a California Insurance License.

Cory Evans is the Vice President and Financial Consultant at Fidelity Investments. In this role, he collaborates with clients to develop customized plans aimed at achieving their financial planning and investment planning goals. His primary focus is on working with clients who are in or approaching retirement to help them work toward successful outcomes. Cory has extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2015, including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as an Associate Advisor at NewFocus Financial Group and as an Associate Financial Advisor at YellowBrickRoad Financial Advisors. He holds a California Insurance License. Outside of his professional work, Cory enjoys family activities, food, hiking, parenthood, and traveling.

Santiago Manrique Parra is a Series 66 licensed financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and research-based modeling techniques.

Heather Wong is a financial advisor at Morgan Stanley in Palo Alto, CA, with six years of industry experience. She holds a Series 66 designation and has worked at several firms including Bank of America, Merrill, and Ameriprise Financial. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include structured planning but generally does not act as an ERISA fiduciary unless separately engaged.

Andre Duong is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Rockefeller Capital Management and Thrivent Financial. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and techniques such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Claire Benoit is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2014, both located in San Bruno, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research supported by centralized due diligence and may include ESG considerations.

Renee Hurni Gray is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008, following roles at UBS Financial Services and Waddell & Reed. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Oberle is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2012, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, Oberle is a sole proprietor involved in rental property management in San Jose, California. 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 a structured planning process that incorporates firm-approved tools and market modeling techniques.

Jennifer Cardoza is a financial advisor at Edward Jones in Mountain View, CA, holding a Series 66 designation with six years of industry experience. She worked at Merrill for 20 years before joining Edward Jones in 2024. Outside of finance, she serves as an office manager for South Bay Pest Control, where she handles client communications and website tasks. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Roland Villanueva is an Investment Consultant with experience in financial planning and client relationship management. He has worked in various roles within the financial services industry, including Planning Consultant and Relationship Manager at Fidelity Investments from 2020 to 2024, Financial Consultant and Client Service Specialist at TD Ameritrade from 2016 to 2019, and Personal Banker at Citibank from 2014 to 2016. In his current role, Roland focuses on understanding clients' unique stories to develop personalized and holistic financial plans and investment strategies that aim to support their financial goals. He holds a California Insurance License, which supports his work in financial consulting. Outside of his professional work, Roland has interests in baseball, fishing, football, kayaking, outdoor adventures, and spends time with his pets.

Min Ma is a financial advisor with LPL Financial in Sunnyvale, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. Prior to joining LPL Financial in 2009, Min worked at Ameriprise from 2005 to 2009. Outside of advisory work, Min is involved in providing in-home supportive services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and extensive non-advisory financial activities.