Aaron Valadez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2022 and has prior work experience spanning corporate and restaurant sectors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, focusing on advisory services rather than individual security recommendations.

Brian Lei is a financial advisor with Wells Fargo Clearing in Daly City, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC. Outside of his advisory work, he has also worked as a driver for a taxi service. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lesley Lemessurier is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation with nine years of industry experience. She has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Jason Degroodt is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, and prior experience at Citigroup from 2015 to 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Michael Lee is a CFP® with 19 years of industry experience currently advising clients at Edward Jones. His prior experience includes roles at Northwestern Mutual, Prudential, Merrill Lynch, Comerica Securities, and Scottrade. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and affiliated investment products. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Gary Chiang is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Chiang serves on the investment committee of The King's Academy in Sunnyvale, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rory Wiebusch is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and over 40 years of industry experience. He has been with Merrill since 1987. Outside of his advisory role, he serves as a power of attorney for a separate entity. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily through the Select Portfolio Solutions Program. The firm serves a range of clients including individuals, high-net-worth clients, and various institutions, offering model-based and discretionary investment strategies supported by internal and third-party managers.

Chun Yeung Tsang is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Tsang held roles at NYLife Securities LLC and New York Life Insurance Company. Outside of finance, Tsang previously worked with Automata Arts and Angeles Academy of Music. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies and delegation to sub-advisers, as well as its advisory roles with registered investment companies and delivery of model portfolios for Fidelity Institutional Wealth Adviser.

Tingting Chen is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. Her prior positions include roles at Morgan Stanley, UBS Financial Services, and HSBC Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services through a select group of Wealth Advisors on a non-discretionary basis.

Rachel Lu is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Citigroup Inc. and Lucrative Ventures. Outside of her advisory work, she is a partner involved in bookkeeping for Mckendree Assets LLC. Fidelity’s Strategic Advisers LLC, the company she is associated with, offers a range of investment management and advisory services for retail and institutional clients, including fund advisory and model portfolio delivery. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Roberto Martinez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes long tenures at Merrill and Bank of America prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers structured planning processes supported by firm-approved tools and analysis.

Abhishek Gupta is a financial advisor at Charles Schwab with five years of industry experience and holds the Series 66 designation. He has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2020. Prior to that, he worked at FutureAdvisor, Inc. and held roles at Codecademy and App Academy. 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 employs a multi-asset model portfolio approach.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Casey Winningham is a CFP® professional with 40 years of industry experience, currently serving at Cetera since 2019. Prior to this, he worked at Foresters Financial and Foresters Advisory Services for a combined 34 years. He is also the owner of Winningham Wealth Management LLC, which operates as a DBA for his Cetera business and tax reporting purposes. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various program structures and affiliated and unaffiliated managers.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Parsa Habibi is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab in 2025, he worked at CIMA Fundmaster for one year. His background includes several years of full-time education before entering the financial industry. 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 and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts and utilizes multi-asset model portfolios supported by in-house research and due diligence.

Stephen Clarke is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He also serves as a trustee for a trust in San Carlos, California. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including personalized financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and provides both direct and employer-sponsored financial plans.

Hyong Lark Kim is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at several firms, including Bank of America, Merrill, Woori America Bank, and Hanin Federal Credit Union. Kim has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

James Patt is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and investment management services to his clients. Details about his specific areas of expertise, professional experience, education, credentials, personal interests, or community involvement have not been provided.

Thomas Hunt is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill Lynch since 2007 and previously worked at M.L. Stern & Co., LLC. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.