Xiaobei Li is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Li holds Series 63 and Series 66 licenses and has worked with J.P. Morgan entities since 2017. Outside of advisory work, Li is a partner and owner of San Tomas Aquito, LLC, a real estate venture. J.P. Morgan Securities 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 institutional advisory operations with brokerage and investment management capabilities and delivers recommendations on a non-discretionary basis.

Mami Uenobo is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 66 licenses and 20 years of industry experience. Her career includes positions at Hamano & Associates, LPL Financial, Unionbanc Investment Services, and Union Bank of California. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, using model-based and discretionary investment strategies developed by internal and third-party managers.

Matthew Jimison is a financial advisor with Merrill in San Jose, CA. He holds a Series 66 designation and has one year of industry experience, including prior roles at Bank of America and James Capital Advisors. Outside of finance, he has worked in the cosmetics sector with Seven Seven Cosmetics. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, utilizing internal and third-party management teams.

Xi Wang is a Series 66-credentialed financial advisor with 17 years of industry experience. Currently based in Cupertino, CA, Wang has been with Morgan Stanley since 2020, including roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Prior to that, Wang worked at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. from 2016 to 2020. 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 utilizes structured financial planning tools and scenario modeling as part of its advisory process.

Lam Kwok is a financial advisor at Morgan Stanley with 23 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds a Series 66 designation. 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 financial planning services, managing approximately $2.74 trillion in client assets.

Jeffrey Ullom is a Financial Consultant at Fidelity Investments, a position he has held since 2017. Prior to this role, he served as a Relationship Manager at Fidelity from 2016 to 2017 and as a Financial Representative from 2015 to 2016. Jeffrey's approach to financial advising is grounded in a structured process, dedication, and integrity, which complements Fidelity's brand, ethics, and pricing. He holds a California Insurance License, enabling him to provide insurance-related financial services. Additional details about his education, credentials beyond his insurance license, or personal interests have not been provided.

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.

Praveena Nand is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erik Jue is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following a nine-year tenure at CitiGroup. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm-approved tools and analyses such as Monte Carlo simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Frank Bisceglia is a financial advisor at UBS Financial Services with 48 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor plans based on clients’ goals and risk tolerances.

Anthony Valle is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at WELLS FARGO Advisors, LLC and Wells Fargo Bank, N.A. since 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Their advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Brian Higashi is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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 utilizes structured planning tools and scenario modeling in its financial planning process.

Ryskiem Henderson is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he provides guidance and ongoing support to clients in areas such as retirement planning, wealth building, asset preservation, and financial legacy creation. He has held financial consultancy and advisory roles across several firms, including TrueStage Financial (2022-2024), CUSO Financial Services (2020-2022), Mass Mutual Investor Services (2017-2020) as a Registered Investment Advisor, MetLife Securities as a Registered Investment Advisor (2013-2017) and earlier as a Financial Consultant (2002-2008), as well as serving as Managing Director at Princor Financial Services (2009-2011). He holds a California Insurance License. Outside of his professional work, Ryskiem engages in family activities, music, soccer, and traveling.

Violet Chen is a Financial Consultant currently working at Fidelity Investments since 2023. She has over a decade of experience in financial services, with a focus on comprehensive financial planning. Violet partners with clients to develop tailored financial plans that align with their long-term goals, offering guidance on asset allocation, asset location, withdrawal strategies, and tax-efficient investing. Prior to her current role, Violet worked as a Financial Solutions Advisor at Merrill Lynch from 2019 to 2023, a Relationship Manager at Bank of America from 2017 to 2019, and a Client Associate at Wealth APD from 2014 to 2016. She holds a California Insurance License.

John Liu is a Series 66-licensed financial advisor with nine years of industry experience, currently affiliated with Wells Fargo Clearing since 2017. Prior to his financial career, he spent 11 years at the Defense Manpower Data Center. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages over $671 billion in assets and emphasizes research-driven investment approaches supported by Wells Fargo Investment Institute and third-party analytics.

Michael Kolb is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and serves clients both directly and through employer-sponsored agreements.

Ravindra Anaparti is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. His career includes prior roles at Rashi Ventures and Passport Capital. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a process that combines quantitative modeling and centralized due diligence.

Lisa Odsander Gronowski is a financial advisor at UBS Financial Services with seven years of industry experience. She holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, she worked with the Swedish American Chamber of Commerce and the Swedish School of Silicon Valley. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides tailored financial planning and portfolio management using proprietary research and model-based asset allocations.

Mauludin Ghafari is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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, distribution, and investment management capabilities.

Erik Torres is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. He previously worked at Citibank from 2013 to 2017 and has been with Merrill and Bank of America since 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.