James Ong is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and having 22 years of industry experience. His prior firms include Merrill, Banc of America Investment Services, and Morgan Stanley DW Inc. Outside of advising, he is involved in managing several rental properties. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics-based investment evaluation and offers both brokerage and advisory solutions across a large-scale operation.

Kameron Elledge is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Check 'n Go. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and analytical tools, serving clients through both direct and corporate financial planning arrangements.

Michael Victor is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs 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 structured planning tools alongside various investment services.

Whitney Itano is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at American Century Investment Services, Inc. and Central Pacific Bank. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services that include corporate financial planning agreements.

Mengjia Gu is a Planning Consultant at Fidelity Investments, where she collaborates with advisors to ensure clients receive a superior experience and a smooth planning process. She aims to partner with clients to understand their unique situations and co-create financial plans designed to improve their lives. Mengjia has been with Fidelity Investments since 2019, progressing through roles including Financial Representative, Relationship Manager, and currently Planning Consultant. Prior to Fidelity, she held positions as a Registered Representative at Western & Southern Life from 2017 to 2019 and as a Financial Professional at AXA Advisors, LLC from 2015 to 2016. She holds a California Insurance License.

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.

Proteek Biswas is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and previously worked at PNC before joining Morgan Stanley Smith Barney LLC in 2021. He attended Case Western Reserve University from 2012 to 2016. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Grant Liu is a financial advisor with J.P. Morgan Securities in Burlingame, CA, holding Series 66 and Series 63 licenses and bringing five years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2018. Prior to that, he worked at Vive la Mode and attended Sonoma State University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Robert Mullarkey is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Charles Schwab & Co., Inc. since 2002 and Charles Schwab Bank SSB since 2005. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Dixin Zheng is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Zheng focuses on understanding clients' priorities to develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. Zheng serves as a resource for a range of financial needs, including general investing, retirement planning, and emergency savings, while also providing access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Zheng holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the University of California system. Zheng’s approach centers on helping clients identify what matters most to them and their families to create tailored financial strategies.

Josh Ebadi is a Series 66 licensed financial advisor with six years of industry experience. He currently works with Merrill and Bank of America, having held prior roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Bank of the West. 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 and profit-sharing plans, corporations, and charitable organizations.

Shuyang Feng is a Series 66-licensed financial advisor with Morgan Stanley in Palo Alto, CA, bringing seven years of industry experience. Feng has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2017 and previously held roles outside the financial industry, including at Sharetea and Cardinal Pitch Club. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Michael Curts is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Prior to that, he worked at Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Morgan Baldwin is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Morgan works closely with clients to understand their financial goals and develops strategies to help pursue those objectives. Morgan's approach involves taking the time to learn what matters to each individual and their family to provide tailored financial advice. Morgan's expertise spans general investing, retirement planning, and preparing for unexpected expenses. With the Professional Designation of Personal Investment Advisor (PIA), Morgan provides ongoing guidance and support as clients' needs evolve. Morgan holds a Bachelor's Degree from Sonoma State University.

Robert Breyer is a financial advisor at Morgan Stanley with two years of industry experience. His prior roles include positions at Punch and Associates, KeyBank, and DIS, as well as experience outside finance at Carleton College and Pagliacci Pizza. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process that includes firm-approved tools and models client outcomes using recognized methodologies.

Grace Ma is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Morgan Stanley Smith Barney since 2012. Her prior roles include positions at Wells Fargo Clearing, Charles Schwab, and TD Ameritrade. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and analytical models to support client planning needs.

Christoph Bono is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and previously worked at eShares, Inc. DBA Carta, Levi's Stadium Management Company, and the San Francisco Giants, among others. He also serves as a part-time high school football coach for the Palo Alto Unified School District. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Shane Shay is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2005. 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 and discretionary investment guidance, multi-asset model portfolios, and a formal alternative investment program, supported by its integrated operational and supervisory structure.

Andrew Freeman is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and nine years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and also operates Freeman Wealth Planning. In addition to his advisory work, Freeman provides tax preparation services in Belmont, California. Cambridge Investment Research Advisors serves a diverse client base including individuals and institutions such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and custodians, with access to both discretionary and non-discretionary management and affiliated model strategies under the Founders Gate Capital brand.

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.