Gulneer Sarang is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Wells Fargo, Bank of America, Merrill, Citicorp Investment Services, and Morgan Stanley. 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 both non-discretionary and discretionary investment options with a multi-asset model portfolio approach and centralized operational support.

David Fung is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and three years of industry experience. Before joining LPL Financial in 2025, he worked at NEXT Financial Group, Inc. for two years and has prior experience in engineering roles at Applied Materials and Lam Research. Outside of his advisory work, he is employed in an engineering role at TSMC. 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 portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Darling Pineda is a financial advisor at J.P. Morgan Securities in Menlo Park, CA, holding a Series 66 designation with 12 years of industry experience. Her work history includes multiple roles within J.P. Morgan Securities since 2014, as well as positions at California Bank & Trust and LPL Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The advisory process combines quantitative and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and utilizing affiliates for portfolio implementation.

Michael Cott is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management provides advisory services and financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers a range of investment programs, combining broad retail and institutional capabilities.

Yevgeniy Koyfman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63, 65, and 66 licenses and nine years of industry experience. His prior roles include positions at Millennium Advisors LLC and Old Mission Capital LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both retail and corporate financial planning services.

Kathy Lee is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she has been serving since 2022. In this role, she acts as the primary contact for Private Wealth Management investors and their families, focusing on delivering personalized service and supporting clients with their financial goals. Before joining Fidelity, Kathy accumulated extensive experience in the financial sector, including positions such as Managing Principal at Silicon Valley Capital Partners from 2011 to 2022, Operations Manager at Grassi Investment Management from 2006 to 2011, and Operations Coordinator at TIAA Kaspick from 2000 to 2006. She holds a California Insurance License.

Santiago Manrique Parra is a Series 66 licensed financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and research-based modeling techniques.

Hector Murillo is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2013 and JPMorgan Chase Bank, N.A. since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to develop model allocations within an ESG eligibility framework.

Tri Nguyen is a Financial Consultant currently working at Fidelity Investments since 2023. In this role, Tri serves as an advocate for clients, collaborating to develop financial plans tailored to each family's unique needs. Tri emphasizes thoughtful strategy development, identifying opportunities for improvement, and maintaining open, ongoing communication. Tri has professional experience in the financial services industry, having served as a Premier Banker at Wells Fargo from 2021 to 2023 and as a Financial Solution Advisor at Bank of America from 2016 to 2021. Tri holds a California Insurance License. Outside of work, Tri has interests in badminton, exploring food as a foodie, and spending time with pets.

Brandon Cheng is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services since 2019, recently transitioning to Fidelity Investments. His prior experience includes roles at Patelco Credit Union, CUSO Financial Services, LP, and Gray Matter Elite. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

Heather Wong is a financial advisor at Morgan Stanley in Palo Alto, CA, with six years of industry experience. She holds a Series 66 designation and has worked at several firms including Bank of America, Merrill, and Ameriprise Financial. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include structured planning but generally does not act as an ERISA fiduciary unless separately engaged.

Andre Duong is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Rockefeller Capital Management and Thrivent Financial. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and techniques such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Renee Hurni Gray is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008, following roles at UBS Financial Services and Waddell & Reed. 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.

Cathy Ha is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Her prior roles include positions at Merrill Lynch, Citibank, and East West Bank. 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 relationships with access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative investment onboarding process.

Alexander Oberle is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2012, including 11 years at Morgan Stanley Private Bank, National Association. Outside of his advisory role, Oberle is a sole proprietor involved in rental property management in San Jose, California. 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 employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Roland Villanueva is an Investment Consultant with experience in financial planning and client relationship management. He has worked in various roles within the financial services industry, including Planning Consultant and Relationship Manager at Fidelity Investments from 2020 to 2024, Financial Consultant and Client Service Specialist at TD Ameritrade from 2016 to 2019, and Personal Banker at Citibank from 2014 to 2016. In his current role, Roland focuses on understanding clients' unique stories to develop personalized and holistic financial plans and investment strategies that aim to support their financial goals. He holds a California Insurance License, which supports his work in financial consulting. Outside of his professional work, Roland has interests in baseball, fishing, football, kayaking, outdoor adventures, and spends time with his pets.

Julianna Miller is a financial advisor at Charles Schwab with a Series 66 designation and seven years of industry experience. She has worked at Charles Schwab Bank since 2019 and Charles Schwab & Co., Inc. since 2018. Prior to that, she held positions at Avail, LLC and the City of Sharonville, and she studied at the University of Kentucky. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Raymond Jung is a financial advisor at OSAIC with 39 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for the entirety of his career until joining OSAIC in 2025. His credentials include the Series 63 designation. Outside of his advisory work, Jung is involved in managing rental properties and serving as a trustee for family trusts. OSAIC Wealth serves a diverse clientele, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a multi-advisor platform and emphasizes model-based asset allocation and portfolio optimization.

Jack Hollmeyer is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. since 2024 and previously with Northwestern Mutual Investment Services. Outside of advisory roles, Hollmeyer has experience in basketball coaching and support roles within community recreation. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm employs analytical tools for tailored, non-discretionary advice and supports a broad advisor network with programs that include municipal and public finance services.

Evelyn Huey is a financial advisor with LPL Financial in Fremont, CA, holding Series 63, 65, and 66 licenses and having 26 years of industry experience. She previously worked at Merrill Lynch from 2013 to 2017 and has been associated with both Fremont Bank and LPL Financial since 2017. She is also a commissioned notary public in the state of California. 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 and access to various portfolio programs, supported by a large network of investment adviser representatives and technological tools for operational and research support.