Robert Manning is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior roles at Citigroup Global Markets and Deutsche Bank Securities. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct client plans and Corporate Financial Planning through employer agreements.

Matthew Mcgrouther is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and also works with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides 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 offers planning services supported by proprietary tools and modeling techniques.

Julian Lai is a financial advisor at Morgan Stanley with eight years of industry experience. He has been with Morgan Stanley since 2015 and holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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.

Christopher Devcich is a financial advisor with Edward Jones in Half Moon Bay, CA, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Esfandiar Zartoshty is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Mass Mutual Pacific and Vector Insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning and asset management solutions through its network of investment adviser representatives, utilizing model portfolios and customized strategies supported by proprietary research and technology tools.

Scott Morris is a CFP® and Series 66 licensed advisor with 19 years of industry experience. He has worked at Osaic since 2025 and previously spent 18 years with Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach uses model-based asset allocation and portfolio optimization with options for discretionary strategies and third-party manager selection.

Aaron Valadez is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2022 and has prior work experience spanning corporate and restaurant sectors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, focusing on advisory services rather than individual security recommendations.

Roberto Martinez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. His career includes long tenures at Merrill and Bank of America prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 offers structured planning processes supported by firm-approved tools and analysis.

Ryan Brown is a financial advisor with Morgan Stanley, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jessalind Tsui is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with five years of industry experience. Her career includes roles at Merrill and Bank of America before joining Morgan Stanley in 2021. She has a background of extended travel and academic positions at the University of Southern California, Chinese University of Hong Kong, and Occidental College. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Kelly Simms is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds a Series 63 designation and has worked for JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., and Wamu Investments, Inc. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Thomas Befumo is a financial advisor at OSAIC with 44 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 10 years and operated Befumo Insurance Group, Inc. for 21 years. His background includes offering disability insurance, fixed annuities, traditional life insurance, and long-term care. OSAIC serves a wide range of retail and institutional clients through a multi-advisor platform, providing brokerage and advisory services that include comprehensive financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various strategies through a complex affiliate network and a platform influenced by private-equity ownership.

Cynthia Valencia is a financial advisor with UBS Financial Services in San Mateo, CA, holding a Series 66 designation and seven years of industry experience. She previously worked five years at Morgan Stanley before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of products and solutions.

Marina Perry is a Certified Financial Planner (CFP®) with 21 years of experience in the financial services industry. She currently works at Morgan Stanley in San Mateo, CA, where she has been affiliated with both Morgan Stanley Private Bank, National Association and Morgan Stanley Smith Barney LLC since 2017. Her prior experience includes roles at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its planning process.

Elena Lopez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously held roles at Citigroup Global Markets and Morgan Stanley Dw Inc. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services that include comprehensive planning and access to institutional resources.

Brian Immethun is a financial advisor at Merrill in San Mateo, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Merrill, he was associated with Bank of America Merrill Lynch and has a background that includes roles outside the financial sector. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary strategies developed by internal and third-party managers and offers strategic asset allocation with options tailored for tax-sensitive investors.

Marianna Frederick Pauls is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 20 years of industry experience. Her prior experience includes roles at Citigroup Global Markets, Merrill, Planmember Securities Corporation, and Ameriprise. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Charlotte Lee is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 designation and 20 years of industry experience. Her background includes roles at Wells Fargo Clearing and Wells Fargo Investments prior to joining Morgan Stanley. Outside of her advisory work, she is a sole proprietor of a rental property business. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies.

Stephanie Hsu is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2018. She focuses on creating personalized wealth management strategies that address clients' individual goals and changing market conditions, offering access to investment insights and banking solutions through Merrill and Bank of America. Stephanie works closely with clients to develop strategies in areas such as college education planning, family wealth management, personal retirement planning, socially responsible investing, women and wealth, and tax minimization. A Bay Area native born and raised in San Mateo, Stephanie graduated from Santa Clara University with a Bachelor's Degree, earning President's and Magna Cum Laude awards in Finance, Economics, and Real Estate. She holds the Personal Investment Advisor (PIA) designation. Her approach to financial advising emphasizes intentionality and purpose in portfolio recommendations, prioritizing her clients' best interests. Outside of her professional role, Stephanie engages with her community through volunteering and dedicates time to personal interests including adventure sports, camping, hiking, pottery, skiing, traveling, and yoga. She values spending time with family, friends, and clients.

Roland Bergman is a CFP® professional with 25 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2009. His prior experience includes roles at Woodbury Financial Services, FSC Securities Corporation, and LPL Financial. Bergman is also involved with advisory activities at Gateway Financial Advisors, LLC and CIRA. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.