Nicholas Hunt is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He worked at Ameriprise Financial Services, Inc. from 2012 to 2020 before joining UBS in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering comprehensive solutions supported by proprietary research and capital markets expertise.

Ting Gong is a financial advisor at J.P. Morgan Securities with 4 years of industry experience. They hold the Series 66 and Series 63 designations. Prior to joining J.P. Morgan, Ting Gong worked at Citibank for four years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm integrates quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Bao Nguyen is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, Bao held positions at Bank of America, Kestra Financial Services, and New York Life among others. Bao has also been involved with Thriving Asset Management in an insurance-related capacity, assisting with administrative tasks and client service. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Madeline Beaton is a financial advisor at Morgan Stanley with one year of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Natixis Advisors, LLC, Natixis Distribution, LLC, and Impax Asset Management. Outside of finance, she has experience operating Sandpiper Productions LLC and has been involved with the Edgartown Yacht Club and the Field Club and Boathouse. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulation models as part of its advisory services.

Zhen Zhang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with J.P. Morgan in various capacities since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Neepa Shah is a financial advisor with Mass Mutual Investors Services in Fremont, CA, holding a Series 66 designation and 15 years of industry experience. She has been with MML Investors Services since 2011 and is also associated with Mass Mutual Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, with a focus on collaborative, goal-oriented planning and a range of event-driven services.

Brian Brogan is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and 27 years of industry experience. He has worked at Citigroup Global Markets since 1999 and with Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association starting in 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and processes to support financial decision-making.

Kalvin Sid is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at LPL Financial since 2025. Prior to this, he spent 17 years with Next Financial Group Inc. He operates Sid Financial Services, a business related to his LPL advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from internal and external sources.

Vanessa Hubbard Vargas is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and having 10 years of industry experience. She has worked at JP Morgan Securities and JP Morgan Chase Bank since 2017 and previously held positions at MML Investors Services and MassMutual Life Insurance Company. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the broader J.P. Morgan organization and offers access to a wide range of products, including those related to security-based swap and futures commission merchant activities.

Paige Hovermale is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Paige held positions at RBC PH&N and worked at several educational institutions and service roles. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other entities. The firm is integrated into Bank of America’s broader platform, which enables access to a wide array of products and services.

Caroline Maglio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and possessing 32 years of industry experience. Her work history includes roles at Charles Schwab Bank, TD Ameritrade, and Fidelity Brokerage Services. 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 SMAs and offers a comprehensive operational structure including custody, brokerage, and cash-sweep services.

Carlos Betancourt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 credential and 16 years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and Chase Bank for eight years, and at Bank of America and Merrill for five years. Outside of his advisory role, he is involved in real estate ventures, including co-ownership through Pacaso Inc. and managing a family trust that engages in short-term rental properties. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and modeling tools, and offers a broad range of investment and financial solutions.

Ahmed Metwaly is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has prior experience at Goldman Sachs. Metwaly has also been involved with the Student Association at SUNY Plattsburgh. Charles Schwab 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 offers a combination of non-discretionary and discretionary investment guidance, multi-asset model portfolios, and a formal alternative-investment onboarding process within an integrated operational structure.

John Lee is a Financial Consultant currently working at Fidelity Investments since 2022. He focuses on understanding clients' goals and building customized financial plans to meet their unique needs. His approach includes providing financial education and guidance to help clients gain confidence in their financial futures. Before joining Fidelity Investments, John served as a Senior Advisory Consultant at Vanguard from 2017 to 2022. He holds a California Insurance License and brings experience from these roles to support his clients effectively. Outside of his professional work, John has personal interests in cooking and baking, fitness, movies, outdoor adventures, theater, and traveling.

Christian Petersen is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Morningstar, Inc. and KKR, as well as positions within Charles Schwab Bank and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, due diligence on alternative investments, and integrated custody and brokerage services.

Robert Gold is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and has previously worked at Woodbury Financial Services, CETERA Advisor Networks, and Summit Financial Group. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to create portfolios that may include a variety of investment types, supporting both discretionary and non-discretionary account management.

Brian Penzel is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Morgan Stanley since 2009. Outside of his advisory role, he serves on the board of the Logistics Advances Research Center, sits on the Board of Trustees for the Moreland School District, and acts as treasurer for the Saratoga Federated Church. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm‑approved tools and resources.

Kathleen Augusta is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2017, following an eight-year tenure at Morgan Stanley Smith Barney. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Vincent Yip is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Wells Fargo Bank, and JPMorgan Chase Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory process.

Joshua Fong is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018. Outside of his advisory role, he operates as an eBay seller specializing in sports memorabilia and collectibles. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.