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.

Zachary Levy is a Financial Consultant currently working at Fidelity Investments since 2024. He has held prior roles including Executive Relationship Manager at Morgan Stanley from 2023 to 2024, Financial Consultant at E*TRADE from 2022 to 2023, and Retail Trading Specialist at TD Ameritrade from 2020 to 2022. Zachary specializes in providing financial consultation services, focusing on partnering with clients to develop clear and actionable financial strategies. He is licensed with a California Insurance License. Outside of his professional career, Zachary engages in family activities and enjoys fitness, football, golf, outdoor adventures, and running.

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.

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.

Cynthia Valencia is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 66 designation and seven years of industry experience. She previously worked five years at Morgan Stanley before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and solutions.

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.

Marina Perry is a Certified Financial Planner (CFP®) with 21 years of experience in the financial services industry. She currently works at Morgan Stanley in San Mateo, CA, where she has been affiliated with both Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017. Her prior experience includes roles at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its planning process.

Tamara Blue is a financial advisor with Charles Schwab in Los Gatos, CA, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. She has been with Charles Schwab and its affiliate bank since 1999 and 2008, respectively. 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 services, offering a combination of non-discretionary investment guidance and access to discretionary separately managed accounts within an integrated custody and brokerage platform.

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.

Jamel Wright is a financial advisor at Primerica Advisors with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Transamerica Financial Advisors and World Financial Group. Outside of finance, he is involved as an HR Manager at Hongwei Medical Group and serves as Managing Member of HL & Jewsr Holdings LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and an independent due-diligence process to implement a variety of investment models.

Tyler Hogan is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at RBC Capital, Cetera Wealth Services, and Rivercrest Financial Group. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Ying Mei is a financial advisor at Morgan Stanley with 22 years of industry experience. She has worked at Citigroup Global Markets for 14 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2021. Mei is also an officer of the South Lake Foundation, a private foundation focused on donations. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support clients’ financial goals.

Elena Lopez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2004. Elena also engages in trust-related business activities in the San Francisco area. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies.

Celeste Basuino is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 registrations and 34 years of industry experience. Her career includes positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, as well as eight years each at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm employs structured planning tools and provides access to various investment strategies, managing approximately $2.74 trillion in client assets.

Danial Khan is a financial advisor with LPL Financial based in Palo Alto, CA. He holds the Series 66 designation and has one year of industry experience, including prior roles at Mariner Independent Advisor Network and Stanford Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, leveraging model portfolios and research from internal and third-party sources.

Marianna Frederick Pauls is a financial advisor at Morgan Stanley in Palo Alto, CA, with 19 years of industry experience. She holds a Series 66 designation and has worked previously at Citigroup Global Markets, Merrill, and various other entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and investment research.

Charlotte Lee is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 manages approximately $2.74 trillion in client assets.

Magdalena Villalvazo is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 63 designation and 16 years of industry experience. She has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research-driven approaches emphasizing diversification and modern portfolio theory.

Karmyn Larsen is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America and Merrill. Larsen also works as a fitness instructor at the Peninsula Jewish Community Center. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers.