Dayna Sumiyoshi is a financial advisor at Morgan Stanley with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Qizhen Xie is a ChFC® and holds a Series 66 license with eight years of industry experience. He has been with Morgan Stanley since 2018, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to that, he worked at Amazing Wealth Insurance Agency for seven years. Outside of his advisory role, he is an owner of a rental property in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Zvart Potoukian is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Potoukian serves as a board member for the adoption agency St. Nick's Kids Inc. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Ken Rosenberg is a financial advisor at Morgan Stanley with a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Ho Yu Liu is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2022, Mr. Liu worked at several financial institutions including Bank of America, Citibank, J.P. Morgan Securities, and Bank of The Orient. He also gained experience outside finance with roles in engineering and construction firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers advisory programs including tailored financial planning supported by structured discovery processes and proprietary modeling tools.

Ryan Kanetoku is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process includes structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Grace Ma is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2012, with prior roles at Wells Fargo Clearing, Charles Schwab, and TD Ameritrade. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning supported by firm‑approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and planning services.

River Li is a CFP® professional with 11 years of industry experience, currently serving at Morgan Stanley in Cupertino, CA. His career includes roles at Wells Fargo Clearing, Charles Schwab, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee guidance in its process.

Steven Do is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at E*TRADE in various capacities from 2013 to 2022. Outside of his advisory work, he is a passive investor in a poke restaurant in Santa Cruz, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and extensive asset management capabilities.

Adam Anderson is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and has been with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Eric Zhang is a financial advisor with Morgan Stanley in Cupertino, CA, holding the Series 66 designation and one year of industry experience. His prior work includes roles at KPMG and Ernst and Young, as well as a position in the University of California, Santa Barbara Sustainability Office. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment forecasts to support its financial planning process.

Debby Kurniawati is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at U.S. Bank, Unionbanc Investment Services, and MUFG Union Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Haoyi Luo is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Luo worked at CitiBank from 2018 to 2022 and held roles at My Wireless between 2015 and 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by structured discovery conversations and firm-approved tools.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Catherine Shen is a financial advisor at Morgan Stanley with two years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Compass for eight years. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment modeling techniques.

Judy Fang is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2012, following prior roles at Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market models.

Jessica Chang is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Brian Shih is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation. He has prior work experience at Nimble Robotics, Amazon, and serves in the United States Army Reserve. His industry experience as a financial advisor is under one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Jeffrey Spence is a financial advisor with Morgan Stanley in San Jose, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes structured planning tools and methodologies to support its financial planning services.