Abhishek Gupta is a financial advisor at Charles Schwab with five years of industry experience and holds the Series 66 designation. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2020. Prior to that, he worked at FutureAdvisor, Inc. and held roles at Codecademy and App Academy. Charles Schwab & Co., Inc. serves a large client base, 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 employs a multi-asset model portfolio approach.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Casey Winningham is a CFP® professional with 40 years of industry experience, currently serving at Cetera since 2019. Prior to this, he worked at Foresters Financial and Foresters Advisory Services for a combined 34 years. He is also the owner of Winningham Wealth Management LLC, which operates as a DBA for his Cetera business and tax reporting purposes. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and affiliated and unaffiliated managers.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, 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.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Stephen Clarke is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1993. Clarke also serves as a trustee in an investment-related trust based in San Carlos, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm‑approved tools and modeling techniques.

Hyong Lark Kim is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America, Merrill, Woori America Bank, and Hanin Federal Credit Union. Kim has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

James Patt is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and investment management services to his clients. Details about his specific areas of expertise, professional experience, education, credentials, personal interests, or community involvement have not been provided.

Thomas Hunt is a Series 66 licensed financial advisor with Merrill in Palo Alto, California, where he has worked since 2007. He has 19 years of industry experience. Merrill, together 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jesse Zimmer is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Jesse holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves on the Investment Committee for the Burlingame Community Education Foundation, a charity supporting local schools. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services based on structured discovery and firm-approved tools, without providing individual security recommendations as part of standalone plans.

Hsiao Yun Yang is a CFP®-certified financial advisor with Morgan Stanley, based in Palo Alto, CA, and has 23 years of industry experience. Prior to joining Morgan Stanley in 2021, Yang worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advisory work, Yang is a sole proprietor involved in property management of real estate in Seattle and San Jose. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and advisory services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment programs.

James Nielsen is a financial advisor at RBC Capital Markets with 45 years of industry experience. He has been with RBC Capital Markets since 2012 and holds the Series 63 and Series 65 designations. Outside of his advisory work, he serves on the board of directors for the Waterfowl Environment Protection Organization, a nonprofit dedicated to maintaining wetland habitats. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers a range of advisory programs with customizable investment strategies utilizing both in-house and third-party managers.

Sue Teng is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.

Yvonne Flores is a financial advisor at Edward Jones in Fremont, CA, holding a Series 66 designation with one year of industry experience. Her prior work history includes positions at JP Morgan Chase, First Republic, and Bank of America. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Ynhu Dong is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and holds a Series 66 designation. Based in Mountain View, CA, his career has been focused on advisory services within a large institutional firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Xia Wang is a financial advisor with LPL Enterprise, holding the ChFC® designation and Series 63 license, with 24 years of industry experience. She has worked at Prudential Insurance Company of America since 2001, including a long tenure at Pruco Securities, LLC., before joining LPL Enterprise in 2024. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through an integrated platform.

Jacob Barone is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Charles Schwab, Bank of America, Merrill Lynch, and Goldman Sachs Investment Bank. Before entering finance, he spent over a decade at Edwards Flooring. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a notable range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michelle Nguyen is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Wells Fargo in 2025, she worked at JP Morgan Securities LLC and JPMorgan Chase Bank from 2015 to 2025, and HSBC Bank USA from 2016 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s offerings include investment policy statement development, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Louis Cano Jr. is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 28 years of experience in the financial industry, beginning his career at age 18 as a runner on the Pacific Coast Stock Options Trading Floor with Coast Options Inc. After graduating with a degree in Economics from San Francisco State University in 1994, Louis started his wealth management career at PaineWebber, Inc., where he consistently achieved club level advisor status. He transitioned his practice to Merrill Lynch in 2008 and has managed discretionary portfolios since 2014. Louis holds the CERTIFIED FINANCIAL PLANNER® designation and is also recognized as a Personal Investment Advisor. His areas of expertise include education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, sports and entertainment, tax minimization, and retirement income. He focuses on working one-on-one with clients to develop personalized financial strategies tailored to their long-term goals. Born and raised in the San Francisco Bay Area, Louis values community involvement and participates in volunteer activities. His personal interests include music, running, spending time with his family, and traveling.

Reiko Evangelista is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and uses modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.