April Heron is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2009. Heron is based in Menlo Park, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and offers a range of investment and financial products.

Yanlin Yu is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and having nine years of industry experience. Prior to joining Morgan Stanley in 2021, Yanlin worked at CitiGroup from 2012 to 2021. Outside of advisory work, Yanlin is involved in providing in-home senior services. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm employs structured discovery processes and advanced modeling tools to support clients, managing approximately $2.74 trillion in client assets.

Kuang Yang is a financial advisor at Charles Schwab with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014, based in San Mateo, 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 offers a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and proprietary research.

Paulo Manalo is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He works closely with clients to develop customized financial strategies aimed at addressing their specific objectives and supporting them throughout various stages of life. Prior to his current position, Paulo was a Private Client Advisor at JPMorgan Chase from 2020 to 2022 and served as a Private Client Banker at the same institution from 2013 to 2020. His experience spans multiple facets of financial advisory and client relationship management. Paulo holds a California Insurance License, which supports his work in financial consulting.

Richard Diregolo II is a financial advisor with LPL Financial in San Mateo, CA, holding a Series 66 credential and 18 years of industry experience. Prior to joining LPL Financial in 2020, he worked with Securian Financial Services, SGC Financial & Insurance Services, and Minnesota Life Insurance Company over a 13-year period. LPL Financial is an SEC-registered adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by research, model portfolios, and various management strategies.

David Jones III is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that use firm-approved tools and models to support client investment decisions.

Sanh Vuong is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Morgan Stanley in 2021, Vuong worked for Citigroup Global Markets for 14 years. Outside of advisory services, he owns and manages rental property in Alameda, California. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning using structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Xiaolu Yan is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. Yan has worked at Morgan Stanley and affiliated entities since 2013, with additional experience at East West Bank and Cetera Investment Services. Outside of advisory activities, Yan is involved in managing a rental property in Brooklyn, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory and financial planning services supported by firm-approved tools and insights from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers diversified investment programs, including corporate financial planning agreements.

Emily Kuang is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is a sole proprietor of a rental property business in San Francisco. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Randall Ng is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and JP Morgan Chase Bank. J.P. Morgan Securities LLC 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.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Todd Ringoen is a financial advisor with UBS Financial Services in Hillsborough, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with UBS since 1997. Outside of his advisory role, he serves as a trustee for the KLEF radio station and provides guidance for the University of Oregon Alumni Association. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Gen Tri is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2022. In this capacity, Gen partners with clients by educating and empowering them to understand their financial situation and make sound decisions to pursue their lifelong goals. Gen has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Investment Consultant, Central Relationship Manager, Retirement Solutions Representative, Premium Service Representative, and Financial Representative. This extensive experience reflects a deep understanding of financial consulting and client relationship management. Gen holds a California Insurance License. Outside of professional responsibilities, Gen has interests in fitness, food, snowboarding, tennis, and traveling.

Jizi Gu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Jizi has worked at Bank of America, N.A. since 2017 and has been affiliated with Merrill since 2021. 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, and institutions.

Matthew Dennis is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and possessing 11 years of industry experience. He worked at MML Investors Services LLC and MassMutual Life Insurance Company for nine years before joining LPL Financial. Outside of his advisory role, he is involved with Matador Risk in executive protection services. LPL Financial serves a broad client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, leveraging model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Jackson Kempker is a Financial Consultant at Fidelity Investments, where he works with clients to develop comprehensive financial plans tailored to their unique circumstances. He focuses on risk management, income strategies, and tax-efficient investing to help clients and their families maintain financial plans that align with their goals and adapt to their changing needs. Jackson holds a California Insurance License, which supports his professional practice in the financial services industry. Outside of his work, Jackson enjoys camping, cooking and baking, football, hiking, snowboarding, and traveling.

Dmitry Vasyutinskiy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and AXA Advisors. Morgan Stanley Wealth Management serves 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 supported by firm-approved tools and scenario modeling.

Michael Sullivan is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2015. He is based in San Mateo, CA. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques to support its advisory services.

Jonathan Reynolds is a Financial Consultant at Fidelity Investments, a role he has held since 2023. He supports clients in making informed investment and financial decisions by guiding them through a disciplined planning process and utilizing Fidelity's resources to create customized financial plans tailored to their unique family needs. Jonathan has been with Fidelity Investments since 2017, progressing through roles including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Service Representative at Forex Capital Markets from 2015 to 2017. He holds a California Insurance License.

Allan Abrams is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Cetera Advisor Networks, Reliastar, VOYA Financial Advisors, and his own firm, Abrams Insurance & Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs and financial planning services through a national network of investment adviser representatives.