Kurt Carrasquilla is a financial advisor with Morgan Stanley in San Jose, California, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked at Morgan Stanley and its affiliates since 2009 and previously at Citigroup Global Markets from 1993 to 2009. Outside of his advisory role, he teaches investment-related courses at the University of California, Berkeley, and Stanford University and serves on the CFP Program Advisory Board at UC Berkeley. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

David Sanepour is a financial advisor with LPL Enterprise who holds a Series 66 designation and has one year of industry experience. His prior roles include five years with World Financial Group and four years at Berkshire Hathaway HomeServices California Properties. He also teaches investment-related courses at Pasadena City College. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Andrew Carlisle is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at FactSet Research Systems and PricewaterhouseCoopers. He has been with Morgan Stanley Smith Barney LLC since 2022 and Morgan Stanley Private Bank, N.A. since 2026. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate industry-standard modeling techniques without providing individual security recommendations.

Tennyson Zhu is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities, and he has also worked at Merrill Lynch and Marsh & McLennan Insurance Agency. Zhu has been involved with the Youth Men's Christian Association (YMCA), reflecting engagement outside the financial sector. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, while offering both retail and institutional investment options.

Hana Cuartelon is a financial advisor with LPL Financial in Fremont, CA, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, she worked at Fremont Bank from 2019 to 2025 and has experience in the home health and banking sectors. She also serves as a notary 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 through a large network of representatives. The firm offers a range of investment programs and institutional platforms, utilizing various strategies including model portfolios and third-party management.

Michael Hollen is a financial advisor at Morgan Stanley in Palo Alto, CA, with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and previously worked at E*TRADE Capital Management and E*TRADE Securities. Outside of his advisory role, he is a non-manager member of Three Mutts LLC, a property management business based in Salt Lake City. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning for individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using approved tools and analytics but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Travis Benjamin is a CFP® professional with 13 years of industry experience, currently affiliated with Edward Jones since 2016. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a manager of Triumphant Estates, LLC, a rental property business in Brooklyn, NY. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Yuying Lei is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at J.P. Morgan Securities, HSBC Securities (USA) Inc., and Cathay Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Justin Yip is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank division since 2015. Based in Palo Alto, CA, Yip's career has been focused within Morgan Stanley's wealth management and private banking services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning and access to institutional resources, managing approximately $2.74 trillion in client assets.

Jose Leyva is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2014. Leyva has also been associated with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that incorporates ESG considerations.

Yuhsin Tseng is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill and Bank of America. He is currently based in Fremont, CA. 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 process combines quantitative screening and qualitative research to develop model asset allocations, incorporating an ESG eligibility framework where applicable.

Steven Harris is a ChFC® credentialed financial advisor with 36 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co in San Jose, CA since 1999. Outside of his advisory role, he is managing partner of a sailboat charter business based in Los Altos, CA. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars using firm-approved tools and collaborative annual planning engagements.

Philip Hoang is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley since 2010 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both 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 structured planning tools and strategies designed around their Global Investment Committee’s return estimates.

Wallace Chu is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations and over 30 years of industry experience. He has been with LPL Financial since 2009 and previously worked at several firms including Pension Planners Securities, Inc. and Cetera Wealth Services, LLC. Outside of his advisory role, he serves as CEO of Turning Leaf Financial Group, a company providing marketing and operational services to a group of advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary account management supported by advanced operational tools.

Leslie Proceviat is a financial advisor with LPL Financial in San Jose, CA, holding a Series 63 designation and over 41 years of industry experience. Prior to joining LPL Financial in 2025, Leslie spent 20 years at Securities America Advisors, Inc. and 34 years at Securities America, Inc. Leslie also manages a business offering tax preparation, accounting, and bookkeeping services. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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 access, and participant-level retirement advice, supported by a large network of investment adviser representatives.

Fiona Woo is a Financial Consultant currently at Fidelity Investments, where she has been serving since 2019 in various roles, including Financial Consultant, Financial Consultant I, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity Investments, she worked as a Financial Solutions Advisor at Merrill Edge and as a Personal Banker at Citibank. Her professional experience spans client relationship management and investment consulting. She holds a California Insurance License, supporting her ability to provide comprehensive financial planning services. Fiona partners with clients to develop personalized financial plans that align with their goals and values, offering thoughtful, ongoing guidance through different life stages. Outside of her professional work, Fiona's personal interests include music and traveling.

Quoc Pham is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in working with high net worth individuals and families to develop customized financial strategies that aim to help achieve their goals through careful planning and asset management. His focus areas include executive compensation, equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as Series 7, 66, and 31 FINRA registrations. Pham earned his Bachelor's Degree from Santa Clara University. His previous experience includes roles as a Financial Advisor and Vice President at Morgan Stanley Smith Barney and Smith Barney Citigroup Global Markets, Inc., as well as a Senior Financial Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated. Quoc Pham and his family reside in the Bay Area, where they participate in volunteering with local communities and charities. Outside of his professional work, he enjoys baseball, basketball, chess, football, gardening, golfing, running, swimming, table tennis, and spending time with his family.

Marc Rogers is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at RBC Capital Markets and Morgan Stanley DW Inc. Outside of his advisory work, he is involved in scriptwriting as a screenwriter. 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 combines in-house research and third-party analytics to support investment decisions and offers a broad range of brokerage and advisory solutions.

Raymond Carlisle is a financial advisor at Thrivent Investment Management with 28 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he serves as a board member for the Birch Lakes Owners Association, overseeing common areas for commercial office properties. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers comprehensive, goal-based planning across various topics, allowing clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Joseph Lawrence is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 66 and Series 63 licenses and having 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and Wells Fargo Bank NA since 2010. Outside of finance, he is involved in the hospitality industry through ownership of Amber India Restaurant. 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 offers a broad range of brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets through more than 14,000 financial advisors.