Daniel Albert is a financial advisor at Morgan Stanley with 37 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Adam Koplan 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 Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in managing rental property in Moraga, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and its Estate Planning Strategies Group.

Erik Pulley is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 designations and having 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates proprietary tools and market modeling methods.

Eric Razzi is a financial advisor with Merrill in Livermore, CA, holding a Series 66 designation and 15 years of industry experience. His work history includes roles at Merrill, TD Ameritrade, UBS Financial Services, Bank of America, and Lyft. 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 individual, high-net-worth, pension, corporate, and charitable clients.

Simarjeet Kaur is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. She previously worked at Canadian Imperial Bank of Commerce for five years and State Bank of India for eight years. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and it serves multiple registered investment companies as well as delivering model portfolios to intermediary platforms.

Robert Avey is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 31 years of industry experience, including 28 years at Securian Financial Services and a long tenure at Secure Futures/Link Allen & Associates. He also works as an independent contractor financial advisor at Summit Financial Group. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Wai Chi Wong is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 2000, with a brief tenure at OptionsXpress, Inc. in 2017. Based in Danville, CA, his career has been focused within a leading national firm. 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and a distinctive operational structure that integrates advisory, brokerage, custody, and cash-sweep services.

Michael Peri is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates tools like the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Philip Camicia is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 63 designation and 43 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a 16-year tenure at Citigroup Global Markets. Aside from his advisory role, he is a partner in an investment-related rental property business. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and advanced planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Gerald Gee is a financial advisor with Morgan Stanley in Pleasanton, CA, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JP Morgan Chase Bank, Merrill, and Bank of America. 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 comprehensive investment research.

Tabitha Balthasar Baguio is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab and ULTA Beauty. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets through a network of over 14,000 advisors.

Mark Martin is a CFP® professional with 42 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Citigroup Global Markets for 12 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vivek Patel is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at J.P. Morgan Securities and First Republic Securities Company, LLC. Patel holds Series 66 and Series 63 licenses. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering 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 such as Secular Return Estimates and Monte Carlo simulations to support its planning process.

Christopher Symank is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he worked at Citigroup Global Markets, Inc. for one year. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Yitao Huang is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 credentials. He has 12 years of industry experience, including roles at Wells Fargo Advisors and New York Life Insurance Company. Additionally, Huang is a California Notary Public providing services to clients and acquaintances. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm employs firm-approved software to analyze client goals and delivers written recommendations within collaborative annual planning engagements.

Ngoc Dinh is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2015 and has prior experience in yoga instruction at Hot Box Yoga and Xplore Yoga. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research to develop model asset allocations, with implementation support from related investment-management entities.

Chuck Wong is a CFP® professional with 18 years of industry experience, currently affiliated with Wells Fargo Clearing since 2022. His prior roles include positions at Schwab Private Client Investment Advisory, Charles Schwab & Co., TD Ameritrade, and BancWest Investment Services. Outside of finance, he holds a 50% ownership interest in a vending machine business. 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 offers both brokerage and advisory solutions.

Miranda Chang is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. She previously worked at Avantax Investment Services and LPL Financial. Outside of advisory work, she is president of Chang & Associates Tax and Financial Professionals, providing tax preparation and small business accounting services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Maria Del Rio is a financial advisor at Morgan Stanley with 8 years of experience, holding a Series 66 designation. She previously worked at Wells Fargo Bank for 6 years before joining Morgan Stanley Smith Barney LLC in 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 a structured financial planning process supported by proprietary tools and models.

Percy Mc Gee Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies to a diverse client base, including athletes, doctors, entrepreneurs, and families at various stages of life. Percy works with a sense of purpose to assist clients in defining their financial goals, establishing priorities, and adjusting strategies to accommodate changing life circumstances. He serves as a Portfolio Manager within Merrill's Investment Advisory Program, managing personalized and defined investment strategies that may incorporate stocks, bonds, and other models. Percy began his career in accounting before joining Merrill Lynch in 2000, initially assisting law enforcement officers with legacy and retirement planning. His expertise areas include college education planning, executive and equity compensation, international wealth management, socially responsible investing, and services for endowments and non-profits. He holds a Bachelor of Science degree in business administration and finance from Humboldt State University and is a Personal Investment Advisor (PIA). Percy is a member of the Black Professional Group. Outside of his professional role, Percy engages in outdoor activities such as fishing, hiking, snowboarding, and competitive meat smoking. He enjoys adventure sports, boating, camping, cooking, gardening, golfing, skiing, reading, and spending time with his family. Percy is active in his community, volunteering and raising funds for organizations such as Strive Through Self Academy and participating in mentoring through the Big Brother Mentoring program and at Merrill for young financial advisors.