Mami Uenobo is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Hamano & Associates, LPL Financial, Unionbanc Investment Services, and Union Bank of California. 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 plans, charitable organizations, and corporate fiduciaries.

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.

Jason Silva is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

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.

Vinay Ahuja is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS‑driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

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.

Michele Kelley is a financial advisor at Raymond James & Associates with five years of industry experience. She holds a Series 66 designation and has previously worked at Catalyst Real Estate Group and Wells Fargo Advisors. Outside of her advisory role, she occasionally assists her mother with property management tasks on an unpaid, as-needed basis. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, with advisory relationships that are generally non-discretionary.

Bin Zhai is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Cetera. He has held positions at Avantax Advisory Services and Avantax Investment Services, Inc. for over two decades and is also a CPA with 30 years in accounting. Outside of advisory work, he owns Zhai Insurance Services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a multi-manager platform featuring affiliated and third-party managers, catering to a broad range of client needs.

Yuko Mihara is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at UnionBanc Investment Services and Union Bank of California. She is based in San Jose, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and comprehensive investment management services.

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.

Frank Bisceglia is a financial advisor at UBS Financial Services with 48 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 credentials. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor plans based on clients’ goals and risk tolerances.

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.

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.

Daniel Kaypaghian is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley and its Private Bank since 2012. His other business activities include a trust-related role based in Saratoga, California. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

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.

Ryskiem Henderson is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he provides guidance and ongoing support to clients in areas such as retirement planning, wealth building, asset preservation, and financial legacy creation. He has held financial consultancy and advisory roles across several firms, including TrueStage Financial (2022-2024), CUSO Financial Services (2020-2022), Mass Mutual Investor Services (2017-2020) as a Registered Investment Advisor, MetLife Securities as a Registered Investment Advisor (2013-2017) and earlier as a Financial Consultant (2002-2008), as well as serving as Managing Director at Princor Financial Services (2009-2011). He holds a California Insurance License. Outside of his professional work, Ryskiem engages in family activities, music, soccer, and traveling.

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.

John Liu is a Series 66-licensed financial advisor with nine years of industry experience, currently affiliated with Wells Fargo Clearing since 2017. Prior to his financial career, he spent 11 years at the Defense Manpower Data Center. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages over $671 billion in assets and emphasizes research-driven investment approaches supported by Wells Fargo Investment Institute and third-party analytics.