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.

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.

Puja Aggarwal is Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2021. She has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, she worked as a Financial Advisor at Merrill Lynch and as a Relationship Banker at JP Morgan Chase. With 15 years of experience in the financial services industry, Puja specializes in wealth planning and works with individuals, families, business owners, executives, and institutions. She guides clients through rising, declining, and volatile markets by employing a comprehensive financial planning process aimed at helping them take educated and disciplined actions toward their goals. Puja holds a California Insurance License. Outside of work, her interests include spending time at the beach, comedy, social events with friends, hiking, caring for pets, and traveling.

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.

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.

David Halperin is a financial advisor with Wells Fargo Clearing in Pleasanton, CA, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing for a combined 17 years. He also serves as a trustee for a family investment entity. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets through a network of over 14,000 financial advisors.

Brian Immethun is a financial advisor at Merrill in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Merrill, he was associated with Bank of America Merrill Lynch and has a background that includes roles outside the financial sector. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary strategies developed by internal and third-party managers and offers strategic asset allocation with options tailored for tax-sensitive investors.

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.

Paul Bratrude is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2006. In addition to his advisory role, he is a partner and CPA at Bratrude & Jones CPAs, Inc., where he provides accounting assistance and income tax planning and preparation. Cetera is an SEC-registered advisor that supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with varied portfolio management options and oversees over $256 billion in assets under management.

Kyle Morgenroth is a financial advisor at Morgan Stanley with 16 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 2011. Morgenroth serves on the board and finance committee of the Carey School Corporation in San Mateo, California. Morgan Stanley Wealth Management offers 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 uses structured planning tools and models to support its financial advice.

Gregory Cohn is a financial advisor with Mass Mutual Investors Services in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with MassMutual Life Insurance Company and MassMutual Investors Services since 2001. Outside of his advisory role, he is a joint owner of a thoroughbred racehorse. MassMutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.

Ellen Nguyen is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities and JPMC Bank NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Steven Tran is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and had prior roles at E*TRADE Capital Management LLC and E*Trade Securities LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.