Hui Wong is a financial advisor with Morgan Stanley in Menlo Park, California, holding a Series 66 designation and six years of industry experience. Prior to joining Morgan Stanley in 2020, Wong worked at Nordstrom, Inc. and was the owner of Sugarie Bake Shop, a restaurant and bar in Pleasanton, California. Wong continues to maintain ownership of the Sugarie Bake Shop outside of financial advisory work. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and models.

Derek Ferriera is a CFP® and ChFC® with 42 years of experience in the financial services industry. He is currently with OSAIC and previously spent over 27 years at Lincoln Financial Advisors Corporation. Ferriera has co-authored the book *Master Your Financial Success* and is involved in several insurance-related businesses and practice management ventures. OSAIC Wealth serves a diverse client base including retail investors, high-net-worth households, retirement plans, charities, and corporations. The firm offers a range of brokerage and advisory services through a multi-advisor platform, featuring model-based asset allocation, portfolio optimization, and access to third-party money managers and alternative investments.

Hoa Kha is a financial advisor at J.P. Morgan Securities in San Jose, CA, holding Series 66 and Series 63 licenses with six years of industry experience. His work history includes roles at Wells Fargo Clearing and Wells Fargo Bank, as well as J.P. Morgan Securities and JPMorgan Chase Bank. Outside of advisory services, he is involved in an e-commerce business focused on selling used clothing, collectible dolls, and Funko Pop items through social media platforms. 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 supported by a centralized due diligence team and includes capabilities in derivatives and commodities through affiliated entities.

Erin Walsh is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill in 2025, she worked at Bank of America, N.A., and held roles at Data Axle, Aviva Stadium, Boston College, Avenir Restaurant Group, and Saint Francis High School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Charles Miller III is a financial advisor at Merrill with Series 66 credentials and three years of industry experience. Before joining Merrill, he worked at T-Mobile for eight years and Foothill College for five years. Outside of his advisory role, he provides mobile notary public services and works as an independent contractor for Amazon Flex, DoorDash, and Lyft in the Bay Area. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alia Davariar is a Series 66 licensed financial advisor with seven years of experience, currently affiliated with Merrill in San Jose, CA. She has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along 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, and various institutional investors.

Barbara Madden is a financial advisor at Ameriprise with 25 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2001, including her current role since 2020. Prior to her current position, she was associated with Mission College for 13 years. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Erika Tonges is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2017, following four years at GNorth. She holds a Series 66 designation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Darren Bado is a CFP®-certified financial advisor with five years of industry experience, currently practicing at Ameriprise in Santa Clara, CA. His prior roles include positions at Bordeaux Wealth Advisors, Kestra Advisory, and Transitions Wealth Advisors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies. The firm leverages a centralized team and proprietary tools to deliver non-discretionary recommendations tailored to clients meeting certain asset thresholds.

Sameera Gupta is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over 20 years of experience in the financial services industry, having held senior executive roles with global organizations including Wachovia/Wells Fargo, Visa Inc., and Western Union. Sameera leverages her extensive background in developing and launching financial products across multiple continents to assist individuals, small businesses, and senior corporate executives with complex wealth management needs such as concentrated stock options, deferred compensation, and estate planning. Sameera holds a Bachelor's and a Master's degree from the University of Allahabad and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). Fluent in English, Hindi, and German, she has a global perspective shaped by her experience living and working on four continents. Her client focus areas include personal retirement planning, executive compensation, college education planning, legacy planning, tax minimization, and retirement income strategies. In addition to her professional work, Sameera supports nonprofits that benefit families and communities, including Minds Matter. She resides in Los Altos with her husband and enjoys interests such as boating, cooking, gardening, hiking, yoga, and spending time with her family. Sameera previously served as a board member of the Economic Development Council at the Metro Denver Chamber.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. 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 offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Amy Brugger is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she engages in art sales through Amy N. Brugger Designs and is involved in self-publishing a book on exercise and general health. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Robert Mckee IV is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following earlier roles at Citigroup Global Markets and Merrill. Outside of his advisory work, he is a director of Zia Capital Corp and a partner in Zia Ranch Partners, a commercial cattle breeding and raising business, and serves as an advisory trustee for the Robert E & Evelyn Mckee Foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and market modeling techniques.

Charles Corley is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Terry Mckee is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets, Inc. for one year. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm serving both individual and institutional clients with a wide range of financial planning and investment programs. The firm’s approach includes structured planning tools and utilizes Global Investment Committee models to assist clients in developing tailored financial strategies.

Jason Drotar is a financial advisor with Wells Fargo Advisors in San Jose, CA, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including prior roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is a notary public and co-owns a fitness studio franchise with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm uses proprietary research and planning tools to develop tailored recommendations, with planning engagements typically discrete and client-implementation optional.

David Foguet is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and Series 66 credentials and 16 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Since 2023, he has also provided financial and tax planning services as a Certified Public Accountant, offering budgeting advice, tax preparation, and financial statement analysis. MML Investors Services, LLC, a subsidiary of MassMutual, serves individuals, business owners, trusts, and charitable organizations with financial planning, asset management, and educational services. The firm structures financial planning engagements as annual, collaborative relationships that utilize firm‑approved tools to analyze client goals and provide written recommendations.

Roy King is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques but generally acts in an advisory capacity without making individual security recommendations in its standalone planning services.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Dienyung Sun is a financial advisor with J.P. Morgan Securities in Sunnyvale, CA, holding Series 63 and Series 65 designations and having 12 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research, employs an ESG eligibility framework, and utilizes broader derivatives and commodities capabilities.