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.

Sanh Vuong is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining Morgan Stanley in 2021, Vuong worked for Citigroup Global Markets for 14 years. Outside of advisory services, he owns and manages rental property in Alameda, California. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning using structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

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.

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.

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 the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad set of financial products and services.

Randall Ng is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab and JP Morgan Chase Bank. J.P. Morgan Securities LLC 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 large institutional advisory operations with brokerage and investment management capabilities.

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.

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.

Hanneke Finones is a financial advisor at Edward Jones in Burlingame, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, she was involved in a dental practice, Chew & Finones DDS Inc. DBA Nest Dental, from 2012 to 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of over 23,000 financial advisors. The firm provides tax-efficient services, access to separately managed accounts, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

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.

Ellen Sheldon is a Series 66-licensed financial advisor with six years of industry experience, currently with J.P. Morgan Securities. Her prior roles include positions at Bank of America, Merrill, and Securian Financial Services. Outside of finance, she is involved in a family propane business, Keene Propane Corporation, which she co-owns with her siblings. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

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.

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.