Samuel Cannon is a CFP® certificant with nine years of industry experience. He currently works at Cetera and has held advisory roles at JY WealthCare, Johanson & Yau, Avantax, and Fidelity Brokerage Services. He is involved in financial planning and wealth management through JY WealthCare, LLC and provides financial advisory services within Johanson & Yau, an accounting firm with a wealth management division. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of investment program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.

Shanelle Winters is a financial advisor at Merrill based in San Jose, CA, holding a Series 66 designation. She has over 20 years of experience in the industry, including 23 years at Wells Fargo Bank and more recent positions at Bank of America and Merrill. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Toy is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Avantax Investment Services, Securities America, Inc., and LPL Financial. His practice includes operating under the DBA Toy Financial Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program options.

Noah Rubin is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and investment services supported by firm-approved tools and methodologies.

Hanh La is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and seven years of industry experience. Hanh has worked at JPMorgan Chase Bank, N.A. and Kaiser Permanente prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to 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 while clients retain final decision-making authority.

Vicky Tsang is a financial advisor with Charles Schwab in Fremont, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 1999 and 2007, respectively. 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 offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, delivered through multi-asset model portfolios and supported by centralized operational and custody services.

Alexandra Tran is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2014. She specializes in creating and maintaining customized financial plans aimed at helping clients achieve their financial goals. Alexandra's approach involves understanding each client's unique situation to assist them in making informed financial decisions. Alexandra has over 19 years of experience in the financial industry. Prior to her current role, she held positions at Fidelity Investments as an Investment Consultant from 2011 to 2014 and as a Financial Representative from 2008 to 2011. She began her career as a Financial Advisor at Ameriprise from 2006 to 2008. She holds a California Insurance License.

Jami Rhoads is a financial advisor at Morgan Stanley in San Jose, CA, holding Series 63 and Series 66 licenses with 17 years of industry experience. She has been with Morgan Stanley 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 broad range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Dillon Magee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Wells Fargo Bank and experience outside the financial sector at Sun Shops and the University of California, Santa Cruz. Wells Fargo Advisors is a national firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Shawn Liu is the Vice President Private Wealth Management Advisor at Fidelity Investments, a position held since 2026. In this role, he leads a team focused on delivering a disciplined and relationship-driven financial planning approach. His work centers on understanding family values, long-term goals, and the complexities associated with significant wealth to support clients in making informed financial decisions. Shawn's professional experience includes roles as a Wealth Advisor at Schwab Wealth Advisory in 2025-2026, and Vice President, Financial Consultant at Charles Schwab & Co. Inc. from 2020 to 2025. Prior to that, he served as a Financial Planner at Lincoln Financial Advisors between 2014 and 2020 and started his career as a Para-Planner at Lincoln Financial Advisors in 2013-2014. He holds insurance licenses in both Arkansas and California. Outside his professional pursuits, Shawn has interests that include cooking and baking, fitness, golf, parenthood, reading, and traveling.

Andrew Forman is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His prior experience includes roles at Synopsys, Randstad, and California Polytechnic University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors.

Nathan Van Dell is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at John Mills and been involved with the United States Tennis Association. Outside of finance, he has been active with the Peninsula Community Center for several years. Morgan Stanley Wealth Management provides a wide range of advisory services to both individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and extensive asset management capabilities.

Sean Chatman is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options.

Ashna Sharma is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley, she worked at Wells Fargo Bank for eight years. Outside of her advisory role, she provides home health care services through California’s In-Home Supportive Services Program. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Ngoc Le is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and has three years of industry experience. Prior to joining Merrill, Ngoc worked for Riviera Finance from 2014 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cheryl James is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background as a former engineer in Defense Intelligence and the high-tech industry to provide clients with comprehensive financial strategies tailored to their individual needs. Cheryl's approach integrates the resources of Merrill Lynch and Bank of America, offering clients access to investment, banking, and lending solutions designed to pursue their financial goals. Cheryl specializes in areas including college education planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, and retirement income. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) and earned a bachelor's degree from the University of California system. In addition to her professional work, Cheryl is actively involved in community organizations such as the Alzheimer's Association, where she co-chairs the Silicon Valley Walk to End Alzheimer's, and serves as a board member for the Contemporary Asian Theatre Scene and High Tech High Heels. She also contributes to Habitat for Humanity and the Happy Neighborhood Project. Cheryl's personal interests include cooking, scuba diving, spending time with her family, traveling, and practicing yoga.

Yanyin Yu is a financial advisor at Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses with six years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2021, Yu worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., and has experience with nonprofit work at Self-Help for the Elderly. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee analyses in its financial planning process.

Thomas Boesch is a financial advisor with Fidelity Investments, holding Series 63, Series 65, and Series 66 credentials and possessing 38 years of industry experience. He has been with Fidelity Personal and Workplace Advisors since 2018 and has worked at Fidelity Investments since 1999. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction, and it serves a broad client base with discretionary and non-discretionary advisory services, model portfolios, and fund advisory.

Thoa Algan is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Wells Fargo Clearing and Wells Fargo Bank NA in 2018, Algan worked at Citibank from 2011 to 2017 and was a homemaker for one year. 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 solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical among large institutional advisers.

Joshua Yeager is a financial advisor at UBS Financial Services with four years of industry experience. He holds the Series 65 and Series 63 licenses. Prior to joining UBS in 2025, he worked at Scotia Capital (USA) Inc., Nomura Securities International, Inc., KPMG, and Duff & Phelps. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant operations and securities-backed lending programs.