Johanna Vargas is a financial advisor at Morgan Stanley with five years of industry experience. She previously worked at J.P. Morgan Securities for three years and JPMorgan Chase Bank, N.A. for fifteen years. Vargas holds Series 63 and Series 66 licenses. 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 financial planning that utilizes firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Anthony Custodio is a CFA® charterholder with 25 years of industry experience. He is currently affiliated with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A., having previously worked at First Republic Investment Management, Bank of America, and Merrill. Outside of his advisory role, Mr. Custodio serves as a volunteer investment committee member for TheatreWorks and acts as an executor and successor trustee for a family trust. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized reporting. The firm combines institutional advisory with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while supporting clients with a centralized due-diligence framework.

David Finston is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms including Bank of America, Merrill, E*Trade, and Northwestern Mutual. His background also includes non-financial roles at Redwood Harley Davidson and Evergreen MKTG LLC. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that encompass both retail and institutional investment solutions.

David Freeman is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 designation and seven years of industry experience. His background includes positions at Ferguson Law Group, Inc., University of California Santa Cruz Silicon Valley Extension, and Dayton Law Firm, P.C. He has been with Merrill since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Olga Tsepalova is the Vice President Private Wealth Management Advisor at Fidelity Investments. She has over 21 years of experience in the financial services industry and has been with Fidelity for the past 12 years. In her current role, she assists clients and their families in constructing and executing comprehensive financial plans and helps them navigate complex financial decisions. Olga's professional experience includes positions such as Vice President, Wealth Planner and Financial Consultant at Fidelity Investments, as well as roles at Metlife Securities, Ameriprise Financial, US Bancorp, US Bank, and Wells Fargo Bank. She holds insurance licenses in Arkansas and California. On a personal note, Olga is happily married with three children and a dog.

Oksana Yuzefovich is a Wealth Management Planning Consultant at Fidelity Investments, where she collaborates with clients, Wealth Management Advisors, and the broader Fidelity team to implement strategies aimed at growing, preserving, and transferring wealth. She is focused on providing excellent service and fostering positive client experiences in every interaction. Her professional background includes roles as a Principal at Silicon Valley Capital Partners from 2021 to 2023, as well as positions at Fidelity Investments including Senior Relationship Manager from 2018 to 2021 and Relationship Manager from 2015 to 2018. Oksana holds a California Insurance License. Outside of her professional work, Oksana's interests include cooking and baking, hiking, visiting museums, music, outdoor adventures, and playing table tennis.

Nguyen La is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 designation with two years of industry experience. Prior to Morgan Stanley, Nguyen worked at Keypoint Credit Union and has experience in both academic and technology sectors, including roles at San Jose State University and NEC Labs America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, with a financial planning process that uses structured discovery and firm-approved tools to tailor plans. The firm manages approximately $2.74 trillion in client assets and provides services through various investment and planning strategies.

Andrew Lunney is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including financial planning that uses structured discovery discussions and firm-approved tools to model outcomes without providing individual security recommendations.

Gavin Lam is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. His prior roles include positions at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. He also provides in-home supportive services care to a family member. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversification and modern portfolio theory in their investment approach.

Mark Lamb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at Western International Securities Inc. and Financial West Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, employing both discretionary and non-discretionary management supported by model portfolios, third-party research, and various investment strategies.

Phuong Quach is a financial advisor at Ameriprise with 24 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliates since 2005. Quach serves as treasurer on the Santa Clara County Estate Planning Council board and chairs the FPA NorCal Conference Committee. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Ji Sung Chung is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Bank of America, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. Merrill, along 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.

Eric Sponburgh is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with Morgan Stanley and its affiliates since 2011, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is involved in equestrian activities as an owner and partner in related ventures. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies, while providing various investment products and services within a large institutional framework.

John Slattery is a Planning Consultant at Fidelity Investments, where he collaborates closely with families and individuals to identify their unique financial needs and support informed decision-making. He focuses on maintaining adaptable financial plans that evolve in line with his clients' changing circumstances. John has been with Fidelity Investments since 2023, progressing from Financial Representative to Relationship Manager before becoming a Planning Consultant. He holds a California Insurance License, which supports his work in financial planning. Outside of his professional role, John has interests in fitness, football, golf, movies, and running.

Dominic Cavalieri is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Parkside Technologies, Parkside Securities, and several media and public sector organizations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions 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 financial planning process supported by firm-approved tools and research.

Vu Ho is a financial advisor at Morgan Stanley with 15 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America and Merrill. Outside of his advisory work, he owns and manages a rental property in San Jose, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by firm-approved tools.

Jennifer Xaythavone is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. 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. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analytical models as part of its financial planning process.

Scott Yee is a Series 66-licensed financial advisor with six years of industry experience. He is currently with Wells Fargo Clearing and Wells Fargo Bank, NA. His prior experience includes roles at JPMorgan Chase Bank, Morgan Stanley, Citi Personal Wealth Management, and several insurance and health-related companies. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Michael Thompson is a financial advisor with OSAIC in San Mateo, CA, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at Securities America Advisors and 1st Global Advisor affiliates. Thompson also manages multiple family trusts and operates an accounting practice under Michael G Thompson CPA. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across a variety of investment types.

Yong En Xiao is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC, J.P. Morgan Securities, and J.P. Morgan Chase Bank. Outside of his advisory work, he is a rental property owner in Elk Grove, California. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.