Grace Nash is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, specializing in tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Daniel Baskin is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp., Wamu Investments, Inc., and Ameriprise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, and retirement plan consulting, using research and analytics along with diversification principles and modern portfolio theory to evaluate investment options.

Thuy Khanh Tran is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 11 years of industry experience. Tran has worked with JPMorgan Chase Bank, N.A. since 2015 and with J.P. Morgan Securities since 2014. 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 combines quantitative and qualitative research, incorporating ESG criteria and a wide range of investment capabilities including derivatives and commodities.

Vicky Wong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various JP Morgan entities since 2017, including JPMorgan Chase Bank and JP Morgan Securities. 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. Their advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework where applicable.

Tom Gai is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Peter Wisowaty is a financial advisor with Morgan Stanley in Palo Alto, CA. He holds the Series 66 designation and has professional experience beginning in 2023 with Mass Mutual Investors Services and MassMutual Life Insurance Co before joining Morgan Stanley in 2025. His prior work includes roles in education and retail. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, without providing individual security recommendations as part of its standalone financial plans.

Antoine Malouin is a financial advisor at Ameriprise in San Jose, CA, holding a Series 66 designation. He began his career at Ameriprise in 2023 after completing his studies at UC Irvine. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing managed accounts and algorithmic support in its advisory process.

Anthony Essma is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services Inc. and Morgan Stanley since 2014. He co-owns a rental property with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and emphasizes advisory services without offering individual security recommendations as part of standalone financial plans.

Thomas Nohr is a CFP® with 40 years of industry experience currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at National Planning Corporation and VOYA Financial Advisors, and he has operated multiple business ventures such as Sonoma Travel Service and Wymac Capital Inc. He has also been involved in financial education workshops through Successful Financial Education. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers access to multiple platforms and custodians, proprietary model strategies, and both discretionary and non-discretionary management options.

Michael Manneh is a financial advisor at Morgan Stanley with nine years of industry experience. He holds the Series 66, Series 65, and Series 63 licenses. His prior roles include positions at Flagtar Private Bank and First Republic Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by firm-approved tools and a wide range of programs.

Robert Vaughan is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with nine years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Apttus from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Clayton Vandenbossche is a financial advisor with LPL Financial in Menlo Park, CA, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Merrill Lynch, E.K. Riley Investments, and Morgan Stanley. He is also involved in insurance brokerage, selling indexed universal life, universal life, term, and long-term care insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms, supported by advanced operational and research tools.

Mohammad Umar Shams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Bank of America, Merrill, HSBC, JP Morgan Securities, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Minyu Chang is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following seven years at UBS Financial Services. Outside of his advisory role, he is involved in property management as a sole proprietor in San Francisco. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and investment guidance from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers services that combine both advisory and broker-dealer capabilities.

Michael Matsuno is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked at California Polytechnic State University and Nordstrom. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Derek Bystrom is a CFP® professional with 27 years of industry experience, currently serving at Charles Schwab in Pleasanton, CA. He has been with Charles Schwab since 1999 and with Charles Schwab Bank since 2005. His credentials also include Series 63 and Series 65 licenses. 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 provides a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment due diligence process.

Hui Xu is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and has 28 years of industry experience. Xu has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of Morgan Stanley, Xu coordinates educational activities with the Stanford Financial and Risk Modeling Institute. 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 employs structured planning tools and market modeling techniques in its financial planning process.

Eric Martin is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial. He has held roles at Martin, Wardin & Eissner Financial Group and Commonwealth Financial Network during his career. Outside of advising, he is involved in tax preparation services through Martin, Wardin & Eissner Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms.

Steven Feng is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities, Chase Investment Services Corp., and Merrill. Feng is based in Palo Alto, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to provide diversified investment solutions.

Eric Luong is a financial advisor at Merrill holding a Series 66 designation. He has less than one year of industry experience and has worked previously at Park Avenue Securities, Guardian Life Insurance Company, Vanguard, and Bank of America. His background also includes roles outside of financial services, such as positions at Lifo.ai and SPI Energy, as well as academic experience at Santa Clara University and the University of California, Berkeley. 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, pension plans, corporations, and charitable organizations.