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.

Steven Hansen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to each client's individual goals, utilizing insights from Merrill and solutions from Bank of America. His approach emphasizes flexibility to adapt to changing market conditions while aiming to help clients pursue their long-term financial objectives. Steven holds a Bachelor's Degree from the University of California System and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Committed to community involvement, he follows the Merrill tradition of volunteering with local organizations.

Alexander Hendricks is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Northern Trust for five years prior to joining J.P. Morgan in 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Savada Kong is a financial advisor at Fidelity with six years of industry experience. Her prior roles include positions at Edward Jones and New York Life Insurance Company. Outside of her advisory work, she manages a dog vlog channel where she edits and posts videos featuring her dog. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Jermaine Williams is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He also serves as a Planning Consultant at Fidelity Investments since 2023. In these roles, he focuses on educating clients and assisting them with comprehensive financial planning to help them achieve their financial goals. Prior to his current roles, Jermaine worked as a Credit and Housing Counselor at Empowerment and Development Housing Resource Center from 2018 to 2023. He has experience in the insurance industry as an Insurance Service Representative at Hanover Insurance Group between 2015 and 2016, and in banking as a Customer Support Representative at Comerica Bank from 2013 to 2016. He holds a California Insurance License. Outside of his professional work, Jermaine has personal interests that include fitness, exploring food, reading, and traveling.

Sean Layton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing in-depth, individualized financial advice aimed at helping clients make informed investment decisions. His focus areas include executive compensation, legacy planning, portfolio management services, and retirement income. Sean is committed to acting with honesty and integrity, delivering premier customer service and extensive financial resources to assist clients in reaching their personal and financial goals. Sean holds a Bachelor of Science in Business with a double concentration in marketing and entrepreneurship from California State University, Monterey Bay. During his time at CSUMB, he was recognized as a business leader and received the school’s capstone award. Prior to his current role, Sean worked at BuildingWise, LLC, where he provided customized green building solutions with a focus on LEED-EB certifications in the San Francisco Bay area. He applies a sustainable and renewable approach to his wealth management practice. Outside of work, Sean enjoys outdoor activities including rock climbing and golfing. He embraces the Merrill tradition of community involvement and volunteers with local organizations. Sean holds the Professional Investment Advisor (PIA) designation.

Philip Moffatt is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Texas Methodist Foundation, National United Bank, and Southwestern University. 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 tailored financial planning, utilizing structured discovery and firm-approved tools to develop client plans.

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.

Larry Ngai is a financial advisor with Wells Fargo Clearing in Redwood City, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at CitiGroup for 11 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Cindy Shi is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 20 years of industry experience. She has been with Cambridge Investment Research Advisors since 2012 and operates a tax preparation business as a CPA. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides various portfolio management options and utilizes both proprietary and third-party strategies tailored to client objectives.

Shirley Chen is a financial advisor at UBS Financial Services with 21 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for 13 years before joining UBS in 2022. Outside of her advisory role, she is a partner in a healthcare consulting business that supports her husband’s medical consulting practice. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial strategies. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services and fee-based planning.

Daniel Weisman is a financial advisor with Charles Schwab based in Sunnyvale, CA. He holds a Series 66 designation and has 21 years of industry experience, having worked at Charles Schwab Bank Ssb since 2005 and Charles Schwab & Co., Inc. since 2004. Outside of his advisory role, he owns rental properties managed by a third party. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers both non-discretionary and discretionary investment management options, utilizing multi-asset model portfolios and conducting due diligence on alternative investments through its integrated operational platform.

Serena Truong is a financial advisor with Morgan Stanley in Palo Alto, California, holding a Series 66 designation and five years of industry experience. She has been with Morgan Stanley since 2019 and previously worked at Pantheon Wealth Planning from 2017 to 2019. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly and through corporate financial planning agreements.

Dana Ruusinen is a financial advisor at Morgan Stanley with 13 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2012 and worked at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Ruusinen serves on the Strong Schools Bond Citizens' Oversight Committee for the Palo Alto Unified School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Jacky Zhang is a Vice President and Wealth Planner at Fidelity Investments, a position held since 2018. In this role, he focuses on understanding clients' financial goals and objectives to build and maintain long-term financial plans. He aims to provide candid assessments to assist clients in making important financial decisions and maintains regular contact to keep plans on track and adjust them as needed. Prior to his current role, Jacky Zhang served as Vice President and Private Client Advisor at JP Morgan & Chase Co. from 2017 to 2018, Vice President and Financial Consultant at Charles Schwab & Co. from 2016 to 2017, Branch Manager at Scottrade Inc. from 2014 to 2016, and Investment Consultant at Scottrade Inc. from 2009 to 2014. He holds a California insurance license. Outside of work, Jacky Zhang has interests in biking, cars, fishing, outdoor adventures, parenthood, and traveling.

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.

Holly Stowell is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm-approved tools, providing advisory services without individual security recommendations in standalone plans.

Robert Boyd is a financial advisor with Charles Schwab in Los Altos, CA, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Charles Schwab since 1997 and with Charles Schwab Bank SSB since 2005. Outside of his advisory role, Boyd owns and manages several rental properties. 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, supported by a multi-asset investment approach and a centralized operational structure.

Stephen Schweikart is a financial advisor at Fidelity with 22 years of industry experience. He holds the Series 63 and Series 66 credentials and is based in Sunnyvale, CA. Schweikart has been with Fidelity Investments since 2004. Strategic Advisers LLC, a Fidelity Investments company where Schweikart is employed, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Rebecca Lee is a financial advisor with UBS Financial Services in Santa Clara, CA. She holds the Series 66 designation and has nine years of industry experience, with a tenure at UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services. The firm offers fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products, leveraging institutional trading capabilities alongside wealth management.