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 roles at J.P. Morgan Securities and JPMorgan Chase Bank, along with prior experience at Rashi Ventures and Passport Capital. 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 combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Gabrielle Bechwati is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Charles Schwab with five years at the firm and a total of four years of industry experience. Her prior work includes positions at Lewis Brisbois Bisgaard and various roles outside finance such as at Lacrosse Academy OC and Chapman University. Charles Schwab & Co., Inc. provides wealth advisory and managed account services primarily to high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios supported by Schwab’s research and due diligence.

Vincent Sommese is a Series 66-licensed financial advisor at Morgan Stanley with four years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2021, he worked in education for 14 years and held various roles including a position with the Oakland Athletics in 2021. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and modeling techniques without providing individual security recommendations in standalone plans.

Cory Barraclough is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on delivering integrated, long-term financial strategies to senior professionals and leaders, particularly in the Bay Area technology sector. He works alongside his team to guide clients through complex compensation structures, retirement planning, cash flow management, and wealth preservation to create durable financial outcomes. Barraclough holds a Bachelor's Degree from Santa Clara University and is a Personal Investment Advisor (PIA). Fluent in both Spanish and English, he emphasizes a coordinated approach by collaborating with clients' legal and tax professionals to ensure comprehensive financial planning. His client focus areas include executive compensation, equity compensation services, family wealth management strategies, liquidity management, and socially responsible investing. In addition to his professional responsibilities, Cory Barraclough participates in community activities, volunteering with organizations such as the American Legion and Hope Services. His personal interests include adventure sports, chess, cooking, golfing, reading, rock climbing, running, skiing, spending time with family, and traveling.

Shannon Schatzman is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Morgan Stanley in 2020, Schatzman held various roles including positions at Toast Inc., Marriott International, and Boston University. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and investment research, managing approximately $2.74 trillion in client assets.

Julie Nguyen is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked at J.P. Morgan Securities since 2015, following prior roles at Merrill and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates ESG criteria within a regulated, non-discretionary framework.

Afarin Haidari Kahkesh is a financial advisor at J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation with one year of industry experience. Her prior work includes roles at First Republic Bank, Bank of America, and multiple positions within JPMORGAN Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence, quantitative and qualitative research, and maintains regulatory registrations that support broader derivatives and commodities capabilities.

Alan Day is a financial advisor with J.P. Morgan Securities in Fremont, CA, holding Series 66 and Series 63 licenses and six years of industry experience. He has worked at J.P. Morgan for over a decade, including roles at JPMorgan Chase Bank, N.A., dating back to 2013. 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 combines quantitative screening and qualitative research to deliver customized asset allocation advice, investment manager selection, and performance reporting while clients retain final decision-making authority.

Nathalya Wolf is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012, including positions at JPMorgan Chase Bank, NA. 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. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG criteria within a non-discretionary program.

Leticia Ong is a Series 66 licensed financial advisor with 25 years of industry experience, currently with Morgan Stanley since 2023. She previously worked at Wells Fargo Clearing for seven years and had an earlier tenure with Morgan Stanley DW Inc. from 2001 to 2005. Outside of her advisory work, she is involved in elder care services through In-House Supportive Services in San Jose, California. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm integrates structured planning tools and various investment strategies, managing approximately $2.74 trillion in client assets.

Nathan Chan is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has previously worked at Saint Luke's Health System and the University of Missouri Kansas City School of Pharmacy. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements and offers a range of programs including educational seminars and specialized event-driven planning services.

Kingman Lowe is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as Secretary with the WA Sung Service Club and is a partner on the advisory board of the Aptos III Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and a comprehensive approach involving the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Lovely Agnihotri is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 66 and Series 63 credentials and has worked at firms including HSBC Securities and Cathay Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large-scale operation with over 14,000 advisors and $671 billion in assets under management.

Andrew Tomlinson is a Vice President and Financial Consultant at Fidelity Investments, where he has served since 2018. He works closely with clients to develop comprehensive retirement income strategies, addressing tax-efficient investing and navigating key retirement risks. His collaborative, detail-oriented approach supports families in preserving their wealth and working toward long-term financial goals. He has been with Fidelity Investments since 2012, progressing through roles including Private Client Specialist, Investments Representative, and Financial Consultant before his current position. Andrew holds a California insurance license. Outside of his professional work, Andrew's personal interests include cars, concerts, gardening, hiking, pets, and running.

Katalina Stimpfig is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, she worked in education at several institutions including Las Positas College and Venture High School. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Wing Sze Wincy Yung is a financial advisor at UBS Financial Services with eight years of industry experience. She holds the Series 66 designation and has worked at UBS entities since 2005, including UBS Financial Services Inc. since 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Htet Htet Aung is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. Prior to joining Fidelity, Htet worked at Charles Schwab and JPMorgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management and fund advisory services. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, supporting its advisory role to multiple registered investment companies and delivering model portfolios to intermediary platforms.

Sibyl Woo is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney LLC since 2018, previously working at Charles Schwab Bank, Charles Schwab & Co., Inc., The Vanguard Group, Inc., and the University of California Merced. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering 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 engagements and corporate financial planning agreements.

Qiao Li is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 credentials and one year of industry experience. Their work history includes roles at JPMorgan Chase Bank, N.A., Citigroup/Citibank, and Bank of Hebel. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may incorporate an ESG framework.

Natalie Leininger is a CFP® professional with 40 years of experience in the financial services industry. She currently works at OSAIC and has previously held positions at Securities America Advisors, National Planning Corporation, and Sterling Financial Services. Outside of her advisory role, she owns Leininger Divorce Planning Services, which specializes in divorce financial planning. OSAIC serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and multiple program options including Unified Managed Accounts and third-party money manager programs.