Shao Te is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2011. He is based in Palo Alto, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 supported by firm-approved tools and models.

Shruti Gauba is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2011. Her prior experience includes roles at Merrill, Banc of America Investment Services, Inc., and Credit Suisse Securities (USA) LLC. 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 approach incorporates centralized due diligence and may include ESG eligibility frameworks.

Douglas Ingham is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including customized financial planning through its Financial Advisors and Estate Planning Strategies Group.

Veronica Parengkuan is a Series 66-credentialed financial advisor with five years of industry experience. She has worked at LPL Enterprise since 2024 and previously held roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Mass Mutual Investors Services, and MassMutual Life Insurance Company. Prior to her financial services career, she spent over a decade at Dell. LPL Enterprise serves a wide range of clients including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and brokerage services through a network of investment adviser representatives.

Thach Nguyen is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. His career includes previous roles at RBC Capital Markets, LLC, Realty One Group-Infinity, World Financial Group, Inc., and Transamerica Financial Advisors. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and financial planning services.

Molly Pratt is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, having previously been employed at Bank of America, N.A. from 2015 to 2020. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sneha Karihaloo is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2018. Prior to that, she was with Farmers Financial Solutions and Farmers Insurance Group. Charles Schwab & Co., Inc. serves a large client base 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 combination of non-discretionary investment advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment review process.

Shabana Sobhan is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this position, she focuses on helping clients pursue their financial goals through in-depth, customized planning. She aims to build relationships, educate clients, and assist them in leveraging Fidelity's resources to establish and maintain a strong financial future. Prior to joining Fidelity Investments, Shabana worked as a Private Client Banker at JPMorgan Chase from 2016 to 2023. Her experience in these roles centers on financial planning and client relationship management. Outside of her professional work, Shabana has personal interests that include board games, concerts, museums, reading, scuba diving, and volunteering.

Melvin Honda is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His career includes roles at MetLife Securities and Massachusetts Mutual Life Insurance Company. Outside of advising, he operates as an independent insurance agent specializing in dental, group disability income, life, accident, health, and long-term care insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships and offers a range of programs including educational seminars and divorce planning.

Phong Ly is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 66 designation and has worked at multiple JPMorgan-affiliated entities since 2017, with prior experience at Chase from 2007 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager research, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative due diligence and includes specialized regulatory registrations that support derivatives and commodities capabilities.

Kevin Fitzgerald is a financial advisor at OSAIC with 38 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors, Inc. and Investacorp Inc. He is also the owner of Trinity Financial Services, a fixed insurance business. OSAIC serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment programs and managing complex affiliate relationships.

Michael Santangelo is a Series 66-registered financial advisor with 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018. Outside of his financial career, he has been involved with several community churches. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Paul Wong is a financial advisor at Cetera with 27 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliates since 1999. In addition to his advisory role, he provides notarial services for clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Michael Corley is a Certified Financial Planner (CFP®) with over 40 years of experience in the financial services industry. He currently works at Morgan Stanley in Palo Alto, California, and has held prior positions at Wells Fargo Clearing and Prudential Equity Group. Outside of his advisory role, Corley serves on the board of the Phi Kappa Sigma fraternity at the University of California, Berkeley. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research to help clients model potential outcomes.

Wen Wu is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 23 years of industry experience. Wu has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and modeling techniques.

Sigal Barak is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Morgan Stanley in 2024, Barak worked at Deloitte from 2022 to 2023. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Ronald Lohbeck is a financial advisor at UBS Financial Services with 57 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and RBC Capital Markets. Outside of his advisory role, he manages rental properties in Kamuela, Hawaii. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its proprietary platforms.

Eliezer Lopez is a financial advisor with LPL Financial in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior work includes roles at Wells Fargo Clearing, UBS Financial Services, and Citigroup Global Markets. He operates a business under the name Sequoia Wealth Advisors & Investment Management, Inc. 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, third-party asset management, and institutional platforms.

Robin Zhao is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining UBS in 2018, Zhao worked at IBM for one year and was affiliated with New York University for four years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Yingquan Zhang is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and two years of industry experience. Prior to joining Wells Fargo Clearing, Zhang held positions at BMO Harris Bank, LPL Financial, CitiGroup, and CitiBank. Outside of his advisory work, he has been involved with IHSS since 2017. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.