Grace Ma is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Morgan Stanley Smith Barney since 2012. Her prior roles include positions at Wells Fargo Clearing, Charles Schwab, and TD Ameritrade. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and analytical models to support client planning needs.

Anh Nguyen is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, Nguyen held roles at J.P. Morgan Securities, JP Morgan Chase Bank, Wells Fargo, and Bank of America. Outside of finance, Nguyen is involved in providing manicure services as a part-time activity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Shane Shay is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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, multi-asset model portfolios, and a formal alternative investment program, supported by its integrated operational and supervisory structure.

River Li is a CFP® professional with 11 years of industry experience, currently serving at Morgan Stanley in Cupertino, CA. His career includes roles at Wells Fargo Clearing, Charles Schwab, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing a range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment committee guidance in its process.

Wansha Zhao is a financial advisor at J.P. Morgan Securities in Cupertino, CA, with Series 66 credentials and one year of industry experience. Prior to joining J.P. Morgan Securities, Zhao worked at MassMutual and CreditEase Investment Consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Gregory Gaon is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at the Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Citigroup Global Markets from 1995 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

John Kettmann is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career as a Financial Advisor in 1991 and has since developed experience focusing on the 401(k) marketplace, investment management, tax minimization, and retirement assets and services. John works to craft strategies that help clients build, manage, and preserve wealth for both current and future generations. He holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, as well as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) credentials. John earned his Bachelor's Degree from Santa Clara University and his Master's Degree from Golden Gate University.

Olivia Bowles Kymer is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 63 designation and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory work, she owns and manages Precision Insight Consulting, where she performs accounting and payroll processing. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm employs structured planning tools and offers access to diverse investment and financial services through its extensive platform.

Alberto Delgado is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2020 and Bank of America N.A. since 2022. Outside of his advisory roles, he has held positions in athletics and recreation at the University of California Santa Cruz. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erin Mouratoff is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at Raymond James & Associates, Inc. and Cynthia Nowicki Moore, CFP. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by a structured discovery process and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Christopher Jones is a financial advisor with Morgan Stanley in Mountain View, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides investment services through various programs and affiliated entities.

Diana Andersen is a financial advisor at Edelman Financial Engines with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked for firms including Fidelity Brokerage Services and Silicon Valley Capital Partners. Andersen serves as Co-Director of Student Affairs for the Association for Latino Professionals for America, coordinating student chapters and networks. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering both discretionary management and non-discretionary advice with an emphasis on diversified portfolios and long-term strategies.

John Dominge is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 24 years of industry experience. He previously worked at SCF Investment Advisors and SCF Securities for ten years, and at Mass Mutual Life Insurance for 17 years. Dominge is also involved with UPTREX Wealth Advisors LLC and serves as an advisory representative of a registered investment advisor. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of financial professionals and offers access to multiple platforms, third-party advisers, and proprietary model strategies under the Founders Gate Capital brand.

Brian Hackmeister is a financial advisor at J.P. Morgan Securities in Palo Alto, CA, with 12 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing Services for 10 years before joining J.P. Morgan in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Lindsay Hutter is a financial advisor at Morgan Stanley with three years of industry experience. She has previously worked at Wells Fargo Clearing and spent eight years at Cloudmed, an R1 Company. She holds a Series 66 designation and is based in Palo Alto, CA. 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 firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Swati Seth is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at First Republic Bank, Chase Investment Services Corp, and JPMorgan Chase Bank. Outside of her advisory role, she manages a rental property, overseeing tenant needs and repairs. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process integrates quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Theresa Sondgroth is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and has been affiliated with Rubin Family since 2014. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Petit is a financial advisor at Morgan Stanley in Menlo Park, CA, holding a Series 66 designation with four years of industry experience. Before joining Morgan Stanley in 2022, his background includes roles in various sectors such as logistics, retail, and hospitality. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm delivers tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Christopher Bracamonte is a Series 66-licensed financial advisor at Morgan Stanley in Palo Alto, CA, with one year of industry experience. His prior work includes roles at BriteLab and San Jose State University, as well as entrepreneurial experience running Bracamonte Home Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning supported by firm-approved tools and methodologies.

Steven Do is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at E*TRADE in various capacities from 2013 to 2022. Outside of his advisory work, he is a passive investor in a poke restaurant in Santa Cruz, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by firm-approved planning tools and extensive asset management capabilities.