Erika Tonges is a financial advisor at Morgan Stanley with eight years of industry experience. She has been with Morgan Stanley since 2017, following four years at GNorth. She holds a Series 66 designation. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes without providing individual security recommendations as part of standalone plans.

Darren Bado is a CFP® with five years of experience in financial advising. He is currently with Ameriprise and has previously worked at Bordeaux Wealth Advisors, Kestra Advisory, and Transitions Wealth Advisors among others. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research, third-party data, and algorithmic tools to provide tailored recommendations.

Gerald Del Rosario is a financial advisor with Wells Fargo Clearing in San Mateo, CA, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and has been with Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and based on modern portfolio theory, serving clients with tailored strategies that include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Sameera Gupta is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings over 20 years of experience in the financial services industry, having held senior executive roles with global organizations including Wachovia/Wells Fargo, Visa Inc., and Western Union. Sameera leverages her extensive background in developing and launching financial products across multiple continents to assist individuals, small businesses, and senior corporate executives with complex wealth management needs such as concentrated stock options, deferred compensation, and estate planning. Sameera holds a Bachelor's and a Master's degree from the University of Allahabad and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). Fluent in English, Hindi, and German, she has a global perspective shaped by her experience living and working on four continents. Her client focus areas include personal retirement planning, executive compensation, college education planning, legacy planning, tax minimization, and retirement income strategies. In addition to her professional work, Sameera supports nonprofits that benefit families and communities, including Minds Matter. She resides in Los Altos with her husband and enjoys interests such as boating, cooking, gardening, hiking, yoga, and spending time with her family. Sameera previously served as a board member of the Economic Development Council at the Metro Denver Chamber.

Tracey Stanga Jarvis is a financial advisor at Charles Schwab with 13 years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2013. Charles Schwab & Co., Inc. serves a large client base, 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 and offers a distinctive operational structure that includes centralized custody and an alternative investments program.

Amy Brugger is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she pursues several activities including driving for ride-share companies and creating and selling artwork, as well as working on a self-published book focused on exercise and general health. Morgan Stanley Wealth Management provides a broad range of advisory services to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies.

Michael Lipkins is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2012, with prior experience at First Tech Federal Credit Union. Lipkins is also involved with Phases Financial Group, a financial advisory support company he owns. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary advice supported by analytical modeling and offers specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Robert Mckee IV is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of his advisory role, he is a partner in a commercial cattle breeding operation and serves as a director of a personal investment holding company, in addition to acting as an advisory trustee for a charitable foundation. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services designed to support both direct individual clients and corporate financial planning agreements.

Michelline May Padilla is a Series 66-licensed financial advisor with 12 years of industry experience. She is currently with Morgan Stanley and has previous experience at J.P. Morgan Securities, HSBC Securities USA, and Wells Fargo. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Charles Corley is a financial advisor with Morgan Stanley in Palo Alto, California, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Terry Mckee is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Michael Woods is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Wells Fargo Bank and Wells Fargo Clearing Services since 2017, as well as prior positions at BrightPlan, LLC and Prumentum Group. He was also briefly involved with Woods Asset Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by extensive research and analytics.

Roy King is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through individual and corporate financial planning agreements.

Karen Spencer is a financial advisor with UBS Financial Services in Los Gatos, CA, holding Series 63 and Series 66 designations and 31 years of industry experience. She has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products while leveraging proprietary research and model-based asset allocations.

Ricardo Santamaria is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley and affiliated firms, as well as Bank of Montreal and Bancwest Investment Services. His current roles include positions at Morgan Stanley Wealth Management and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning both directly and through corporate agreements.

Dienyung Sun is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 11 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2023, Sun worked at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2023. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering advisory services on a non-discretionary basis.

Mai Yee Marian Ting is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients and their families to help achieve financial goals and address complex financial issues by offering personalized, planning-based strategies tailored to each client’s unique situation. Marian serves a select group of affluent clients, including corporate executives, physicians, attorneys, business owners, retirees, and families with special needs children. She emphasizes a holistic approach to wealth management, which includes thorough risk management reviews and the creation of tax-sensitive investment portfolios utilizing ETFs, index-linked notes, mutual funds, annuities, and separately managed accounts. Marian focuses on intergenerational wealth transfer and works to align financial plans with each client’s vision of success. A graduate of Stanford University with a Bachelor’s degree, Marian holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond her advisory work, Marian is engaged in community initiatives such as Better Money Habits. Her personal interests include cooking, dancing, gardening, genealogy, hiking, music, reading, running, traveling, and yoga.

Jolly Kang is a financial advisor at Merrill with four years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Bank of America and Merrill. Outside of his advisory role, Kang provides in-home supportive services as a caregiver. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Miguel Jimenez is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2021, following a 15-year tenure at Merrill. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Yevgeniy Koyfman is a financial advisor at Morgan Stanley in Palo Alto, CA, with nine years of industry experience. He holds Series 65, Series 66, and Series 63 licenses. His prior roles include positions at Old Mission Capital LLC and Millennium Advisors LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning using firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.