Sirma Tzoutzova serves as the Regional Vice President for Fidelity Private Wealth Management in the Western United States. In this role, she leads advisory teams focused on assisting ultra-high-net-worth clients and families with wealth preservation, growth, and transfer through personalized and integrated planning and investment strategies. Her professional experience includes positions at Fidelity Investments, where she held roles as Wealth Management Advisor from 2017 to 2021, Senior Account Executive from 2005 to 2013, Investments Representative from 2000 to 2003, and Participant Services Representative from 1999 to 2000. She also served as Managing Director at Silicon Valley Bank from 2013 to 2017. Sirma holds a California Insurance License. Outside of her professional pursuits, she has interests in fitness, social events, golf, parenthood, traveling, and yoga.

Ngoc Tran is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC and ongoing tenure with Wells Fargo Bank, N.A. outside of his advisory role, he owns and operates a photography business in San Jose. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Daire Hogan is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Abraham Alesna is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, he held positions at Monterra Credit Union and worked in various roles outside the financial services industry. 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, and other fiduciaries. The firm’s integration within Bank of America’s broader corporate platform allows access to a wide array of financial products and services.

Shishun Kryskalla is a financial advisor at Ameriprise in San Mateo, CA, holding Series 65 and Series 63 licenses with five years of industry experience. Prior to joining Ameriprise in 2024, he worked at The Blakeley Group, Morgan Stanley, UBS Financial Services, Mercer Global Advisors Inc., and Dragon Financial Group. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and a written Recommendation Report.

Shan Shan Wu is a financial advisor with Morgan Stanley, holding a Series 66 designation and 10 years of industry experience. She has worked at Morgan Stanley since 2017 and previously held positions at UBS Financial Services and Wells Fargo Advisors. 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 employs a structured planning process supported by firm-approved tools.

Christian Galvez is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His background includes roles in education at Santa Clara University and executive education at Stanford Graduate School of Business. He has also worked in the retail and hospitality sectors with Lunardi's Market and The Cask Wine and Bar. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory services to individuals and institutions. The firm employs structured financial planning processes and serves clients through both individual and corporate financial planning agreements.

Bassel Mansour is a financial advisor with OSAIC based in San Carlos, CA, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has worked at Royal Alliance Associates, INC. since 2018 and owns Golden Gate Mansour, a financial advising business he has operated since 2007. Mansour is also the owner of Golden Gate Financial & Insurance Solutions, a firm providing financial advising and fixed insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Keith Virnoche is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 1984 and serves as a qualified Portfolio Manager. In his role, he provides traditional financial advice and guidance, while also building and managing personalized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. As a Portfolio Manager within the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Keith earned a Bachelor's degree from the University of Wisconsin, an MBA from the University of Evansville, Indiana, and a Master of Science in Financial Planning from Golden Gate University in San Francisco. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Retirement Planning Counselor™ (CRPC™) designations, maintaining both since 2004. He is a member of The Peninsula Golf and Country Club in San Mateo, California, and participates in community activities with Mills - Peninsula Health Services in Burlingame, California.

Joseph Buenavista is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley and its affiliated private bank since 2014. Outside of his advisory role, he serves on the board of the Buenavista Family Inn, a resort inn in California, and is involved with the Navy Rugby Alumni Association as a board member and annual dinner chair. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual plans and corporate financial planning agreements.

James Ong is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs.

Kameron Elledge is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and Check 'n Go. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and analytical tools, serving clients through both direct and corporate financial planning arrangements.

Michael Victor is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and has worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a 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 employs structured planning tools alongside various investment services.

Whitney Itano is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and seven years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at American Century Investment Services, Inc. and Central Pacific Bank. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services that include corporate financial planning agreements.

Grant Liu is a financial advisor with J.P. Morgan Securities in Burlingame, CA, holding Series 66 and Series 63 licenses and having five years of industry experience. He has been with J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2018. Prior to his current roles, he worked at Vive la Mode for two years and attended Sonoma State University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Josh Ebadi is a financial advisor with Merrill based in San Mateo, CA, holding a Series 66 designation and five years of industry experience. His prior work includes roles at J.P. Morgan Securities and Bank of the West. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Curts is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His career includes roles at Citigroup Global Markets since 2006 and Morgan Stanley Smith Barney since 2009, with a current position at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Robert Breyer is a financial advisor at Morgan Stanley with two years of industry experience. His prior roles include positions at Punch and Associates, KeyBank, and DIS, as well as experience outside finance at Carleton College and Pagliacci Pizza. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process that includes firm-approved tools and models client outcomes using recognized methodologies.

Christoph Bono is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and previously worked at eShares, Inc. DBA Carta, Levi's Stadium Management Company, and the San Francisco Giants, among others. He also serves as a part-time high school football coach for the Palo Alto Unified School District. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Andrew Freeman is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing nine years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and previously worked at Participant Media for four years. Freeman is also engaged in tax preparation services and owns Freeman Wealth Planning. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing various portfolio management and model-based strategies tailored to client objectives.