Niya Xie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and its securities affiliates. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Kozue Wang is a financial advisor with LPL Financial based in Fremont, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. Prior to joining LPL Financial in 2019, Wang worked at Unionbanc Investment Services and Union Bank from 2004 to 2019. Wang also serves as a private banker at Fremont Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a combination of discretionary and non-discretionary strategies supported by research and technology tools.

Alison Jones is currently the Branch Leader at Fidelity Investments in Campbell, where she works with her team to facilitate relationships with clients and develop positive lifetime partnerships. She has been with Fidelity since 2018, advancing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked in new client development at TD Ameritrade. Alison holds a California Insurance License. Outside of her professional responsibilities, she enjoys cooking and baking, exploring food as a foodie, gardening, running, playing tennis, and traveling.

Liming Zhang is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Prior to joining J.P. Morgan Securities in 2020, Zhang worked at Citibank and Qiaoli Hu CPA, and spent two years at the University of California, Los Angeles. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations and incorporates broader derivatives and commodities capabilities.

Cameron Briggs is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He has held various positions within Fidelity Investments since 2021, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to his tenure at Fidelity, Cameron gained experience as a Wealth Management Intern at Morgan Stanley from 2019 to 2020. Cameron is licensed with a California Insurance License, enabling him to provide investment and retirement guidance tailored to the unique situations of his clients. He utilizes historical data and Fidelity's statistical analysis to partner with clients and offer suggestions throughout each phase of their financial circumstances. Outside of his professional work, Cameron has interests in baseball, fitness, social events with friends, horseback riding, and surfing.

Nida Memon is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 19 years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at JP Morgan Chase Bank and J.P. Morgan Securities from 2023 to 2025, and held roles at First Republic Securities Company and First Republic Investment Management from 2022 to 2023. Her earlier experience includes six years at Wells Fargo Clearing and two years at Ameriprise. Morgan Stanley Wealth Management provides a range of advisory services to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses methodologies such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Michael Thomas is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021, following positions at Carmax and FedEx. Outside of his advisory role, he is involved in real estate investment as an owner and partner. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research to develop model asset allocations and offers a range of portfolio services through affiliated entities.

Steven Zeller is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He has held positions at Wells Fargo Clearing since 2016 and previously worked at A. G. Edwards & Sons, Inc. from 2001 to 2008. He holds a Series 63 designation and is based in Palo Alto, California. 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 combines research and analytics with diversification principles to evaluate investment options and offers both brokerage and advisory solutions through a large network of financial advisors.

David Le is a financial advisor at J.P. Morgan Securities with 8 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various roles since 2013, including positions at GMGB, Inc and JPMorgan Chase Bank, N.A. Outside of finance, he was involved with Stella Boo Corporation, operating a dessert and drinks business for six years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes ESG considerations, supporting clients in making informed investment decisions.

Jonathan Vera is a CFP® professional with eight years of industry experience, currently affiliated with Charles Schwab in Menlo Park, CA. He has worked at Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank, SSB since 2024. Outside of his financial advisory role, he owns and manages inventory for a retail business specializing in Lego products. Charles Schwab & Co., Inc. serves a broad client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and associated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Laura Barberian is a financial advisor at Morgan Stanley with 33 years of industry experience. She has held roles at Morgan Stanley Private Bank, Wells Fargo Clearing, and UBS Financial Services. Barberian also serves as a trustee and co-trustee in a trust-related capacity outside of her advisory role. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning approach and a wide range of investment programs.

Emiliano Siqueiros is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America and Door Dash. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor client plans.

Yun Sum Fung is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Prior to joining Merrill and Bank of America in 2019, Fung worked at the University of California, Los Angeles, and San Joaquin Delta College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, along with account administration and custody support.

Prabhleen Kaur Dhanda is a financial advisor at Charles Schwab with one year of industry experience. She holds the Series 66 designation and has worked at several financial institutions, including Wells Fargo Bank, Bank of America, and Merrill Lynch. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Kristopher Watts is a financial advisor at Morgan Stanley in Pleasanton, CA, holding Series 65 and Series 63 credentials with 11 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Karen Glomb is a Series 66-licensed financial advisor at Wells Fargo Clearing with 18 years of industry experience. She has held positions at several major firms, including J.P. Morgan Securities and UBS Financial Services. Glomb is based in Palo Alto, CA. 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 combines research and analytics with diversification principles and modern portfolio theory to provide both brokerage and advisory solutions.

Therese Cleary Whiting is a financial advisor with Charles Schwab in Menlo Park, CA, holding a Series 66 designation and over 20 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2005 and operates TMC Consulting, a marketing and business development consultancy, on a part-time basis. Whiting occasionally undertakes small projects independently outside of her advisory role. 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 a multi-asset investment approach supported by centralized custodial and operational services.

Paul Mills is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Clavius Wealth Management and has a background that includes roles in education and community involvement, including ongoing work with ADVNC Lacrosse since 2022. 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 that utilizes structured discovery processes and firm-approved tools.

Aicha Fofana is a Financial Advisor at Merrill Lynch Wealth Management based in the Palo Alto office. She collaborates closely with clients to understand their unique financial goals and offers personalized guidance to assist with building, managing, and preserving their wealth. Prior to her current role, Aicha worked as a Relationship Manager, where she gained experience supporting clients in achieving their financial objectives. Her career has been centered on fostering long-term relationships rooted in trust and communication. Aicha holds FINRA Series 7 and Series 66 registrations and has earned the Chartered Retirement Planning Counselor™ (CRPC) designation. She obtained her Bachelor's Degree from Franklin & Marshall College and remains committed to staying informed about industry developments to provide clients with thoughtful and informed financial guidance.

Patrick Phillips is a financial advisor with LPL Financial in San Leandro, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Wells Fargo Clearing. Outside of his advisory work, he is a business owner of Whiskey Riot LLC, a non-investment related venture based in Sacramento. 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.