Alan Wong is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2004 and focuses on creating wealth management strategies for successful executives, entrepreneurs, and business owners. Alan's approach centers on understanding clients' values and financial goals through one-on-one conversations, enabling him to develop tailored solutions for education planning, family wealth management, personal retirement planning, small business strategies, and retirement income. Alan holds bachelor's degrees in Economics and Political Science with an Education minor from the University of California system. He also holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He has served as the Chair of the South San Francisco Planning Commission and as President of the CFA Society of San Francisco's Board of Directors. Committed to community involvement, Alan is currently on the School Board at St. Roberts School and actively volunteers in local organizations. Outside of work, he enjoys spending time with his family, traveling, coaching his children's youth soccer and softball teams, and following Bay Area sports.

Stephen Lo is a CFP® professional with 33 years of industry experience, currently serving at Morgan Stanley in San Mateo, CA. His career includes positions at Wells Fargo Clearing, Merrill, Charles Schwab, and Wamu Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs for individuals and institutional clients, focusing on tailored financial planning and a structured discovery process supported by firm-approved tools.

Alain Cousin is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Bank of America and Merrill for nine years combined and spent a year at Raiser LLC. Outside of his advisory role, he serves as a licensed soccer referee with the Peninsula Soccer Referee Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Peiyi Lin is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Their prior roles include positions at Citibank, N.A. and Old Republic Title Company. Peiyi is based in San Mateo, CA. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, with a financial planning process that uses structured discovery and firm-approved tools to develop client plans. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Aaron Nichols is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63, 65, and 66 licenses and 22 years of industry experience. His prior roles include positions at First Republic Investment Management and Charles Schwab. Outside of finance, he is a passive investor and owner partner of Hope Management LLC, a real estate and hospitality company operating a winery in Napa, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process integrates quantitative and qualitative research with a forward-looking capital market approach and includes ESG considerations.

Trevor Davies is a Planning Consultant at Fidelity Investments, where he collaborates with advisors and their clients to develop personalized financial strategies tailored to their individual priorities. He has held his current position since 2025, following previous roles at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Trevor holds a California Insurance License, which supports his work in financial planning and consulting. Outside of his professional career, he has interests in biking, cars, fitness, food, and hiking.

Jonathan Noriega is a financial advisor at Edward Jones in San Carlos, CA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Advisors, and BDO USA LLP. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Phuong Hart is a Series 66 licensed financial advisor with five years of industry experience, currently practicing at Edward Jones since 2021. Prior to joining Edward Jones, Hart worked at Wells Fargo Bank for six years. Outside of finance, Hart assists with administrative duties for a kitchen and bath design business in Roseville, California. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. 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 financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Ronald Castellanos is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2014. Based in San Francisco, CA, his work primarily involves serving institutional clients through the firm’s advisory programs. 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 capabilities in derivatives and commodities through its broader regulatory registrations.

Edgar Diaz is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior work history includes roles at Apple and Sodexo. 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 affiliated discretionary SMAs, providing integrated advisory, brokerage, custody, and cash-sweep services.

Ritu Bhatia is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2003 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers a broad range of brokerage and advisory solutions supported by research and analytics from its investment institute.

Vladimir Martynov is a Vice President and Financial Consultant currently working at Fidelity Investments since 2019. He has over a decade of experience in the financial industry, having previously served as Vice President Financial Advisor at JPMorgan from 2012 to 2019. His professional expertise includes retirement income planning, long-term investment strategies, disciplined portfolio construction, and tax-efficient investing. Vladimir holds a California Insurance License. Outside of his professional career, he has personal interests that include cars, fitness, parenthood, skiing, soccer, and traveling.

Jan Doernte is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and financial planning services.

Ryan Nicholas is a Financial Consultant currently working at Fidelity Investments since 2023. He specializes in providing customized financial planning and guidance tailored to the unique circumstances and aspirations of individuals and families. Ryan has experience in various roles within the financial services industry, including positions as an Executive Relationship Manager and Financial Consultant at E*TRADE from Morgan Stanley between 2021 and 2023, as well as serving as a Financial Advisor Associate at Merrill Lynch from 2020 to 2021. He holds a California Insurance License.

Sven Geffken is a CFP® professional with nine years of industry experience, currently serving at Edward Jones since 2017. Prior to joining Edward Jones, he worked at McKinsey & Company from 2015 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, including managed solutions and separately managed accounts, and operates under a fiduciary standard.

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.

Sherman Lee is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over two decades of experience in the financial services industry. Since joining Merrill in 2002, Sherman and his team have provided clients with personalized wealth planning and access to comprehensive banking solutions from Bank of America. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans, supporting corporate executives in integrating these benefits into long-term financial strategies. Sherman has specialized knowledge in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, tax minimization, and retirement income. He earned a Bachelor's Degree from the University of California System and holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sherman is fluent in English and Chinese. Outside of his professional work, Sherman is interested in adventure sports, hiking, running, softball, and traveling. He emphasizes a client-focused approach supported by a skilled team and leverages Merrill’s resources to help clients achieve their financial goals.

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.

Jacqueline Cohen is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Fidelity Investments, Prudential Advisors, and Perigon Wealth Management. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.