Megan Araujo is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 14 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Fochson Fung is a financial advisor with Cambridge Investment Research Advisors in San Mateo, CA, holding the ChFC® designation along with Series 63 and Series 66 licenses. Fung has 19 years of industry experience and has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011. Outside of advising, Fung is active as an independent insurance agent for various companies and is involved in sales and marketing for a separate business. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, by providing financial planning, ongoing 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 with access to multiple platforms and custodians.

Sylvia Rivera is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 10 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 both brokerage and advisory solutions, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

Cecilia Montoya is a Series 63 credentialed financial advisor with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Garrett Vitangeli is an Investment Consultant currently working at Fidelity Investments since 2024. Prior to this role, he was a Financial Consultant at Equitable Advisors from 2022 to 2024. He holds a California Insurance License. Garrett focuses on helping individuals and families plan for various financial goals by applying strategies tailored to their unique situations. His professional experience encompasses investment consulting and financial advisory services. Outside of his professional work, Garrett has personal interests that include baseball, cooking and baking, family activities, golf, parenthood, and traveling.

Chelsea Carlton is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior work includes roles at TD Ameritrade and various positions in the hospitality sector. Charles Schwab 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by an integrated operational structure and multi-asset investment models.

Daniel Rave is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 65 and Series 66 designations. His prior roles include eight years at Wells Fargo Clearing and seven years at Wells Fargo Investments, LLC. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across multiple asset classes.

Liam Powers is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab Bank, Charles Schwab & Co., and TD Ameritrade, as well as Moody’s Analytics. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Jerald Henderson is a financial advisor with LPL Financial in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Securian Financial Services and Link Allen/Secure Futures, spanning 22 years before joining LPL Financial in 2020. 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 portfolios, third-party asset management, and institutional platforms, with advice and account management primarily conducted through a network of investment adviser representatives.

Paul Karson is a financial advisor at LPL Financial with 35 years of industry experience. He has worked at LPL Financial since 2009 and previously spent four years at U.S. Bancorp Investments, Inc. Karson is a Series 63 license holder. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Huiying Cheng is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 10 years of industry experience. She has previously worked at Bank of America, Merrill, and Fidelity Brokerage Services. Cheng is currently affiliated with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm utilizes structured planning tools and investment models to support client outcomes, managing approximately $2.74 trillion in assets.

Julie Tung is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her career includes roles at Wells Fargo Investments and Banc of America Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

Adrian Lee is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has been with various Charles Schwab entities since 2024. Outside of his advisory role, he occasionally sells used personal items on an online marketplace. 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 discretionary separately managed accounts, multi-asset model portfolios, and a centralized operational structure.

Jimmy Yang is a financial advisor at J.P. Morgan Securities in San Francisco, CA, with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2012, following prior roles at Citigroup Global Markets, Charles Schwab, and Chase Investment Services Corp. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, integrates ESG considerations, and includes broader derivatives and commodities capabilities.

Nolan Michaels is a CFP® and holds a Series 66 license with four years of experience in the financial industry. He has worked at Charles Schwab, Fidelity Investments, Morgan Stanley, Royal Bank of Canada, and Merrill Lynch. Outside of financial services, he has been involved with Room to Read. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management along with brokerage, custody, and cash-sweep services. The firm’s scale and integrated operational structure distinguish it within the wealth management industry.

Sanam Chaudhary is a financial advisor at Edward Jones with three years of industry experience. Chaudhary has worked at JPMorgan Chase Bank, J.P. Morgan Securities LLC, and Bank of America prior to joining Edward Jones. Outside of financial services, Chaudhary was involved with Newari Kitchen in 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory services, supported by a large network of financial advisors and branch offices nationwide.

Madiyar Rakhymzhan is a financial advisor with Charles Schwab holding Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Schwab, he had brief tenures at Fidelity Investments, J.P. Morgan Securities, and JPMorgan Chase Bank, among other firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

James Oszust is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior roles include positions at JP Morgan Securities and First Republic Bank. 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 through a large network of over 14,000 advisors, offering a range of brokerage and advisory solutions supported by research and analytics.

Dominic Anderson-Nakagawa is a Planning Consultant at Fidelity Investments, where he collaborates with Financial Consultants to develop personalized financial plans tailored to the unique goals and needs of clients. He emphasizes building strong relationships with clients and their families, focusing on earning and maintaining trust through reliability, thoughtful guidance, and professional competence. Before his current role, Dominic served as a Relationship Manager and Financial Representative at Fidelity Investments. He holds a California Insurance License, supporting his expertise in financial planning and insurance services. Outside of his professional responsibilities, Dominic's personal interests include baseball, fitness, food, and golf.

Qiqin Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Paramus, New Jersey. With over 30 years of experience, she has held roles including controller, corporate finance analyst, and wealth management advisor. She provides personalized wealth management strategies tailored to the unique financial goals of individuals, families, small business owners, nonprofit organizations, and international corporations. Qiqin focuses on areas such as corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Qiqin holds a Master’s degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor of Science degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant, as well as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in both English and Chinese, she employs a process-oriented, personalized approach to build long-term trust and help clients pursue their financial goals through customized investment strategies. Outside of her professional work, Qiqin enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. She resides in Paramus with her husband and son.