Rucong Zhang is a financial advisor with Cetera in San Jose, CA, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Cetera, Zhang worked at Wells Fargo Clearing and Wells Fargo Bank, as well as Citibank and several automotive dealerships. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management strategies, financial planning, and access to third-party money managers across discretionary and non-discretionary programs.

Suki Lee is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 33 years of industry experience. She has been with Charles Schwab since 1992 and has worked at Charles Schwab Bank since 2005. Outside of advising, she manages several rental properties in San Francisco. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory program. The firm combines non-discretionary and discretionary investment approaches with centralized operational and supervisory structures.

Dennis Karle is a CFA® charterholder with 34 years of experience in the financial services industry. He has worked at Morgan Stanley and its affiliated entities since 2004, including roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Morgan Stanley & Co. LLC. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is a large firm serving both individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Maria Aurea Dayap is a financial advisor at Merrill with a Series 66 designation and 1 year of industry experience. She has been with Merrill since 2014. 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.

Julius Agbonbhase is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. His career includes multiple roles at Morgan Stanley since 2010 and prior experience at E*Trade Securities and Waddell & Reed. Outside of his advisory role, he serves as Vice President 2 of ACCIOBA North America, a community organization involved in fundraising and administration. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, combining financial planning with investment strategies supported by tools such as Monte Carlo simulations and insights from its Global Investment Committee.

Weilun Wang is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Enterprise LLC, Schwab Wealth Advisory, and Charles Schwab & Co., Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third-party sources.

Kimberly Bradford is a Financial Consultant currently working at Fidelity Investments. She collaborates with individuals and families to develop strategies for retirement planning, tax-efficient investing, and navigating major life transitions. Kimberly has experience in various financial roles, including Financial Solutions Advisor at Merrill from 2022 to 2024, Senior Premier Banker at Wells Fargo from 2021 to 2022, and Relationship Manager at Bank of America from 2014 to 2018 and again from 2019 to 2021. She holds a California Insurance License. Outside of her professional work, Kimberly has interests in art, fitness, food, running, and traveling.

Wenjun Yang is a financial advisor at LPL Financial with 23 years of industry experience. He has held securities licenses including the Series 63 and Series 65 and has been with LPL Financial since 2010. Prior to that, he worked at Investment Advisors International, Inc. from 2006 to 2010. Yang is also involved with IntoWealth Insurance Services, an insurance agency based in California. 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 financial planning and model portfolio programs, access to third-party asset managers, and institutional platforms, supporting a wide range of investment strategies executed by its network of advisors.

Jenny Ju is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 designation and 17 years of industry experience. She has worked with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012 and previously was with Edward Jones from 2009 to 2012. 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 screening and qualitative research, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Laure Mendoza is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds a Series 66 credential and has previously worked at Morgan Stanley and Srebrow Investment Resources - Syntero Real Estate. Mendoza is based in Palo Alto, CA. UBS Financial Services 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 and uses proprietary research and model-based asset allocations to tailor client plans.

Brian Franklin is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, Franklin serves as a basketball referee and is a board member of the Coalition for the Unhoused of Silicon Valley. Morgan Stanley Wealth Management offers advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and scenarios to model outcomes, serving clients in both direct and corporate financial planning arrangements.

Robert Choy is a CFP®-designated financial advisor with 25 years of industry experience. He is currently with Robert W. Baird & Co., where he has worked since 2025. His prior experience includes roles at Financial Engines Advisors, Edelman Financial Services, Fidelity, Citigroup Global Markets, and Merrill. Robert W. Baird & Co.’s DDK Group serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, utilizing both manager-traded and model-traded strategies with ongoing internal research and oversight.

Matthew O'brien is a Financial Advisor at Merrill Lynch Wealth Management. He works to provide financial guidance and wealth management services to his clients. Matthew's educational background includes a High School Diploma from Clackamas High School. He has also attended Simon Fraser University, Clackamas Community College, and Portland State University, although he did not receive degrees from these institutions.

Rose Odland is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously worked at Unionbanc Investment Services and Wells Fargo Investments, LLC. Outside of her advisory role, she serves as trustee and executor for personal estates. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Maureen Bellotti is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 registrations and having 31 years of industry experience. She has worked within various divisions of Morgan Stanley since 1998, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Daniel Chan is a Financial Consultant currently working at Fidelity Investments since 2024. He has experience in financial solutions advisory, having served as a Financial Solutions Advisor at Merrill from 2021 to 2024. Prior to that, he worked as an ADP Relationship Manager at Bank of America from 2019 to 2021. Daniel holds a California Insurance License. He is committed to assisting clients in pursuing their financial goals through thorough financial planning.

Priyanka Kothari is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America N.A. since 2018. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Greg Edgar is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Luzaida Pietri is a financial advisor with Ameriprise in San Jose, CA, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 19 years of industry experience, including over 15 years with Ameriprise and its affiliate. Pietri also serves as a fiduciary and executor in other business activities. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Alexander Anstead is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.