Steven Nieto is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in retirement, income, and corporate 401(k) planning. He focuses on providing a comprehensive and personalized approach to wealth management that begins with understanding the client’s financial situation, family, and priorities. Steven develops customized strategies that remain flexible to clients’ evolving needs and market conditions, incorporating investment insights from Merrill and banking solutions from Bank of America. His areas of expertise include college education planning, corporate benefits, divorce transition planning, executive compensation, legacy planning, managing new wealth, portfolio management, and retirement income. Steven holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor’s Degree in Finance from San Jose State University. Steven is committed to community involvement, reflecting the tradition at Merrill of serving local organizations through volunteer work. Outside of his professional activities, he enjoys boating, golfing, skiing, and spending time with his family.

Jingwen Sun is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, Sun held roles at Bank of America, New York Life, and several other companies in various capacities. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sara Alaei is a financial advisor at Merrill in Cupertino, CA, holding a Series 66 designation with seven years of industry experience. Her prior work includes roles at Bank of America and Wells Fargo. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eileen Bader is a financial advisor at Charles Schwab with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Merrill and UBS Financial Services. Since 2021, she has been with Charles Schwab Bank, SSB 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 alongside access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios supported by centralized operational and supervisory arrangements.

John Lehr is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Heath Strasser is a financial advisor at Charles Schwab with 17 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at Fidelity Investments, Advisors Asset Management, Inc., and American Funds Distributors, Inc. He is based in Sunnyvale, CA. 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 discretionary separately managed accounts and provides centralized custody and order-routing services.

Vincent Andrighetto is a financial advisor at UBS Financial Services with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2019. Prior to joining UBS, he held roles at Apple Inc. and was involved with various small businesses including wineries and bakeries. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources.

Ron Fetsch is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 63 license and 40 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2024. Outside of his advisory work, he owns and operates a sod farm and serves on the board of a homeowners association in Lahaina, Hawaii. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, tailored to plan objectives and risk tolerances.

Aileen Low is a financial advisor with Edward Jones in Los Altos, CA, holding the CFP® designation and Series 63 and 66 licenses. She has 26 years of industry experience, including 27 years with Edward Jones. Outside of her advisory work, she is involved in commercial and residential real estate property ownership. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Aayush Kumar is a Financial Consultant who collaborates closely with clients to understand their financial goals and develop customized plans to help achieve them. He emphasizes building ongoing relationships with clients and their families to implement sound financial strategies aligned with their expectations. He has professional experience as a Planning Consultant at Fidelity Investments from 2024 to 2025 and as a Financial Planner at Prudential Insurance Company of America from 2019 to 2024. Aayush holds a California Insurance License. Outside of his professional work, Aayush has personal interests in comedy, cooking and baking, movies, music, and running.

Patrick Sweeney is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and eight years of industry experience. He has prior experience with firms including Edward Jones, Bank of America, Merrill Lynch, Hilltop Securities, and Morgan Stanley. Outside of his advisory role, he is actively involved in youth lacrosse coaching and mentorship, serving in leadership positions with several local lacrosse organizations. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering tailored financial plans based on proprietary research and model-based asset allocation.

Shareen Jafri is a financial advisor with Wells Fargo Clearing in Mountain View, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Jafri serves on the board of the Munawar Foundation, where she participates in directing and investing funds for education, food, and clean water initiatives. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven advisory services grounded in modern portfolio theory. The firm’s investment approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, and it acts as an ERISA fiduciary when providing investment advice.

Ziqi Wong is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Ziqi provides comprehensive wealth management strategies tailored to address the financial needs of individuals and multigenerational families. Their practice includes customized portfolio construction, retirement planning, and estate planning aimed at preserving, growing, and transferring wealth with precision. Ziqi serves as a long-term strategic partner, guiding clients through various stages of their financial journey. Utilizing resources from Merrill and Bank of America, Ziqi offers tailored investment insights, risk management, and legacy planning to help clients achieve financial stability and confidence. Ziqi holds a Bachelor's Degree from the University of California System and a Master's Degree from Cornell University. Additionally, Ziqi has earned the Personal Investment Advisor (PIA) designation.

James Hsiao is a financial advisor at Cetera with a PFS™ designation and two years of industry experience. His prior roles include positions at Avantax Advisory Services, Johanson & Yau, and Jerome Bellotti & Associates. Outside of his advisory work, he provides tax return preparation and consultation services to family and friends through a side business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that features both affiliated and third-party investment options.

Jillan Hong is a Financial Advisor at Merrill Lynch Wealth Management. She helps clients develop strategies to pursue their short-, mid-, and long-term financial goals. Jillan provides resources ranging from general investing and retirement planning to saving for unexpected expenses, and offers access to Bank of America specialists in banking, credit, home financing, and small business solutions. She holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Jillan earned her Bachelor's Degree from the University of San Francisco. Jillan's approach involves understanding what matters to each client and their family in order to create tailored strategies to meet their financial objectives. She provides ongoing advice and guidance as clients' needs evolve.

Veronica Vu is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior work includes roles at B & B Machining and Smittenkiss Weddings & Events. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Rosario Oliveri is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience in the financial industry, including expertise in investments, banking, insurance, and real estate. He assists clients with various financial planning needs such as college education planning, executive compensation, family wealth management strategies, legacy planning, retirement income, and tax minimization. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Rosario graduated from the University of Washington's Foster School of Business with a bachelor's degree, where he concentrated his studies in finance. Rosario is a member of the professional organization Sons of Sicily and is involved in community service through the Second Harvest Food Bank in San Jose. His approach focuses on educating and guiding investors through their wealth-building journey with a long-term plan and steady vision for the future.

An Le is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Merrill, An worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank N.A. for three years. Their work history also includes roles at Bank of America and experience outside the financial sector. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Shashi Bhagat is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and scenarios to guide financial decisions.

Stephen Luk is a financial advisor at UBS Financial Services in Palo Alto, CA, with 26 years of industry experience. He has worked at UBS since 1999 and holds Series 63 and Series 65 registrations. Outside of his advisory role, Luk is the proprietor and owner of Foster Square 55+ Housing, where he manages property maintenance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.