Marina Strasser is a CFP® with five years of industry experience, currently affiliated with Charles Schwab in Los Altos, CA. Her work history includes multiple roles at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB. Outside of financial services, she owns an investment property that she plans to rent out beginning in December 2025. Charles Schwab serves a large client base of 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 offers both non-discretionary and discretionary investment solutions, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Vinh Phuong is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2017, following prior roles at Merrill and Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Mary Keller is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2019, following four years at Ameriprise Financial Services, Inc. based in San Jose, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and financial planning services. The firm’s approach involves structured planning tools and modeling techniques such as Monte Carlo simulations, with clients responsible for implementing and updating their plans.

Hilary P. Jones is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. She primarily serves individuals, families, and small institutions, helping them achieve their financial goals through strategic development and ongoing management. Ms. Jones incorporates her personal experience with saving for college, retirement planning, elder care, wealth transfer, and divorce into her client services. She has been with Merrill Lynch since 2004 and previously worked as a Financial Advisor at AG Edwards. Before her career in financial advising, she held roles managing Human Resource departments at Hewlett Packard and Agilent, and served as Dean of Admissions at a private college in northern California. Ms. Jones earned both her Bachelor's and Master's degrees in Asian Studies from the University of California at Berkeley. She holds the Personal Investment Advisor (PIA) designation. Her investment philosophy is informed by a long-term market perspective and a family tradition of commitment to client relationships, spanning three generations. She focuses on combining traditional investments with Merrill Lynch Wealth Management strategies and approved third-party portfolios, with a particular interest in retirement issues affecting the Baby Boom generation. Outside of her professional work, Ms. Jones is active in the Palo Alto community. She serves as President of the Association for Senior Day Health and is involved with various local organizations including the Foothills Club, Kappa Kappa Gamma Sorority, and the Palo Alto Woman's Club.

Juan Rojas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2012 and previously worked at First Tech Federal Credit Union. Outside of his advisory role, he is involved with Phases Financial Group, a multi-member LLC, where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary consulting using analytical tools and supports a broad network of advisors, with specialized capabilities in municipal finance and employer advisory services.

Riley Marshall is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 credential and three years of industry experience. Prior to joining Morgan Stanley, he spent time at AT&T and was involved with several entertainment and service ventures including Shopwindow, Quest Factor Escape Rooms, and All That Dance Studios. Outside of financial advising, he operates a sole proprietorship in entertainment and co-hosts a podcast focused on AI topics. Morgan Stanley Wealth Management offers a range of advisory programs to both individual and institutional clients, providing financial planning supported by firm-approved tools and investment research while serving approximately $2.74 trillion in client assets.

Yuriy Lavor is a financial advisor at Edward Jones in San Jose, CA, holding ChFC® and Series 66 designations with six years of industry experience. His career includes roles at Edward Jones since 2019, as well as prior experience at Homestreet Bank, Solar Power Inc (Umining), and Autonation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a network of over 23,000 financial advisors and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Li Dong is a CFP® certificant and financial advisor with LPL Enterprise, bringing nine years of industry experience. His background includes roles at Transamerica Financial Advisors and Prudential Insurance, among others. Outside of advisory services, he provides mortgage and real estate services and operates an accounting and tax preparation business. LPL Enterprise offers investment advisory and brokerage services to a varied client base including individuals, high-net-worth investors, and institutional clients. The firm emphasizes a model-driven investment approach with access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Michael Cobb is a Series 66-licensed financial advisor at Merrill in San Jose, CA, with 9 years of industry experience. He has been with Merrill since 2015. 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, pension plans, corporations, and charitable organizations.

Robert Ha is a financial advisor at Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 designations. He has experience with several financial institutions, including Silicon Valley Bank and First Republic Bank. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with third-party analytics and uses diversification principles and modern portfolio theory in its investment evaluations.

Jane Khalaf is a CFP® with 16 years of industry experience. She is currently with LPL Financial and has previously worked at Edward Jones and UBS Financial Services. Her background includes advisory roles across major financial firms. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mehdi Moghni is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2017, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before his current position starting in 2024. As a CERTIFIED FINANCIAL PLANNER™, Mehdi focuses on wealth planning and staying informed about developments that affect his clients' financial futures. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional responsibilities, Mehdi enjoys boating, camping, attending concerts, hiking, and spending time with family.

David Enemark is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and over 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his financial advisory role, he is involved with the Trek Dirt Series, a recreational contracting business based in Canada. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and committee-driven market outlooks to support its advisory programs.

Emmanuel Abrokwah is a Financial Consultant currently working at Fidelity Investment since 2025. He began his tenure at Fidelity Investment in 2024 as a Financial Consultant 1 before advancing to his current role. Prior to joining Fidelity Investment, Emmanuel served as a Senior Premier Banker (AVP) at Wells Fargo Bank from 2014 to 2024. Emmanuel partners with his clients to co-create personalized, long-term financial plans tailored to their specific financial goals. He holds a California Insurance License, which supports his expertise in financial consulting. Outside of his professional career, Emmanuel has interests in beach activities, cars, fitness, hiking, soccer, and table tennis.

Galina Sapozhnikov is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 credential and 19 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2009 and previously worked at Wells Fargo Investments, LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm’s integrated structure supports a large client base with centralized custody and operational efficiencies.

Xianzheng Zhong is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Citigroup and Solomon Page Group. Outside of his advisory role, Zhong has been involved with a business focused on Chinese translation, travel, and consulting. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with additional financial product offerings.

Daniel Owens is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016, with prior roles at Wells Fargo Investments, Citigroup Global Markets, and Citicorp Investment Services. Outside of his advisory work, he plays trumpet in the Left 2 Write funk band based in San Francisco. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, incorporating research from Wells Fargo Investment Institute and employing diversification and modern portfolio theory in its investment evaluations.

Joseph Keenan is a financial advisor with Morgan Stanley in Cupertino, CA, holding a Series 66 designation and bringing 24 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and UBS Financial Services. 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 and financial planning services using firm-approved tools and methodologies.

Jen Wei Chi is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 registrations and bringing 33 years of industry experience. Her career includes roles at several Morgan Stanley entities since 2006 and a prior position at Charles Schwab. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Michael Rinaldi is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Silicon Valley. He specializes in personal investment and wealth management planning for high-net-worth clients, with a focus on custom strategies and private equity opportunities. His approach involves working one-on-one with clients to develop personalized financial strategies that aim to address their long-term goals. Michael holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and a Certified Investment Management Analyst (CIMA). He earned a Bachelor's Degree from California State University Long Beach. His client focus areas include college education planning, executive and equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Outside of his professional work, Michael participates in community service through organizations such as Amor Ministries and The San Diego Salvation Army through Mt. Carmel Parish. His personal interests include adventure sports, basketball, football, golfing, music, reading, spending time with his family, and traveling.