Kathleen Carrion is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at Wells Fargo Advisors and spent over a decade with the Four Seasons Hotel Silicon Valley. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs focused on tailored financial planning and asset management. The firm employs structured discovery processes and advanced modeling tools as part of its planning services.

Liya Lin is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 66 licenses and five years of industry experience. Her prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Co. She spent two years as a homemaker before resuming her career in financial services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics based on diversification principles and modern portfolio theory to evaluate investment options while offering a range of brokerage and advisory solutions.

Willard Wellings is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has a long career including prior roles at Avantax Advisory Services and 1ST Global Advisors. He is also a partner at Wellings & Co., a firm he has been associated with since 1990. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and retirement services, supporting over 10,000 advisors and managing more than $256 billion in assets.

John Ogilvie is a Planning Consultant at Fidelity Investments. In his current role, he partners with clients and their Financial Consultants to support retirement planning through holistic guidance. He has experience in financial services, having held positions as a Relationship Manager and Financial Representative at Fidelity Investments, as well as internship roles in investment banking at Canaccord Genuity and private wealth management at CIBC. John holds a California Insurance License. Outside of his professional work, he enjoys attending concerts, football, music, outdoor adventures, skiing, and surfing.

Andrew Tang is a CFP® with 24 years of industry experience, currently affiliated with Charles Schwab. His prior roles include positions at TD Ameritrade and Fidelity, where he worked for a combined total of 14 years. Outside of his advisory work, Tang serves as an assistant girls junior varsity basketball coach for the Santa Clara Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its wealth advisory wrap fee program and affiliated managed-account services, offering both non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Zhenzhen Huang is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager and fund searches, and customized performance reporting. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Mailyn Nelson is a Series 66-licensed financial advisor at Fidelity with one year of industry experience. Prior to joining Fidelity, Nelson held various roles including positions in Enterprise Mobility and university instruction. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Hank Peng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with five years of industry experience. His prior roles include positions at Fidelity Investments, GENRICH Family Office, and academic institutions such as the University of California, Irvine, and the College of San Mateo. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Jared Sanchez is a financial advisor with Primerica Advisors in Santa Clara, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. Outside of his advisory role, he consults part-time for Rivel Athletics, an athletic clothing company. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on non-institutional portfolios.

Daniel Schwartz is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 credentials. He has 13 years of industry experience and has been with Charles Schwab and Charles Schwab Bank since 2012 and 2014, respectively. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure that supports centralized supervision, custody, and order routing.

Colleen Erickson is a financial advisor at UBS Financial Services with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2010. Based in Palo Alto, CA, she provides advisory services through one of the largest firms in the industry. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Lucille Denos is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds the Series 63 and Series 65 designations and has been with UBS since 2010. Outside of her advisory work, she has worked as a backup cashier in retail. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of investment products and capital markets services.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

John Ubaldi is a financial advisor at UBS Financial Services with four years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience at Digital Media Solutions and Nordstrom. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Justin Skelton is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Minnesota Life Insurance Co. and Securian Financial Services. He is involved in an outside position unrelated to investment advising based in New York. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Rey Deborja Jr. is a financial advisor at OSAIC with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Ameriprise, Lincoln Financial Advisors, and Prudential Insurance Company of America. Outside of his advisory role, he co-owns a tax preparation business, PDC Taxes. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing in portfolio construction and supports multiple platforms and third-party services.

Pashmeena Vyas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in assisting young professionals, business owners, and retirees in the Bay Area. She focuses on developing comprehensive wealth plans that address clients' unique needs and goals, emphasizing long-term financial security, wealth accumulation, retirement preparedness, and income generation. Pashmeena offers expertise in education planning, personal retirement planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Pashmeena earned a Master's Degree from Mumbai University and a Bachelor's Degree from Sreemati Nathibai Damodat Thackersey Women's University. Additionally, she completed a Master of Business Administration from the State University of New York at New Paltz and a non-accredited certificate program from the University of California Berkeley Extension. She is affiliated with the CFP® Board of Standards Inc. Outside of her professional responsibilities, Pashmeena enjoys music, spending time with her family, watching movies, and practicing yoga.

Sze Wai Kwok is a Series 66-licensed financial advisor at Charles Schwab with 10 years of industry experience. Kwok has worked at Charles Schwab Bank and Charles Schwab since 2019 and previously held roles at Bank of America, Merrill, Bancwest Investment Services, and Bank of the West. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and provides investment guidance through multi-asset model portfolios and a formal alternative-investment process.

Daniel Peterson II is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked in educational roles at San Jose State University and Palma Highschool. He serves as a board member for the Sigma Nu Fraternity Alumni Association, where he participates in organizing alumni and student events. 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, and institutional investors.