Gilbert Zucker is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and Morgan Stanley Private Bank. He is based in Palo Alto, CA. 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 a structured planning process that incorporates proprietary tools and modeling techniques.

Robert Gardner is a Series 66-licensed financial advisor with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2024 and previously held positions at Charles Schwab and TD Ameritrade. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

David Mumford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Citigroup Global Markets since 1994 and has been with Morgan Stanley Smith Barney and Morgan Stanley Private Bank since 2009 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and corporate financial planning services.

Kiara Adrienne Jaro is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Her prior roles include work with the Bay Area Ballet Con, Myriad Music School, and the San Francisco Giants. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies.

Carl Wong is a Financial Consultant currently working at Fidelity Investments since 2024. He has extensive experience in the financial services industry, having served as a Financial Consultant at Charles Schwab from 2020 to 2024, Branch Manager roles at TD Ameritrade from 2018 to 2020 and at Scottrade from 2016 to 2018, and as an Investment Consultant at TD Ameritrade from 2014 to 2016. In his role, Carl focuses on helping clients strengthen their financial wellbeing by collaborating to create customized planning strategies. He emphasizes understanding clients' goals thoroughly and providing personalized guidance, aiming to build lasting relationships and support clients through various life stages. Carl holds a California Insurance License. Outside of his professional work, Carl has personal interests in comedy, hiking, and movies.

Robert Nemec is a financial advisor with Mass Mutual Investors Services in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance since 2006. Outside of his advisory role, he is involved in life and health insurance as an outside insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools and structured annual planning engagements.

Dione Luu Wong is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been serving clients since 1993, focusing on creating individually customized wealth management strategies that consider each client's risk tolerance, time horizon, liquidity needs, investment goals, and cost implications. Dione collaborates with a team of specialists to offer services including portfolio management, education funding, retirement planning, estate and trust services, liability management, tax minimization, and asset preservation strategies. Dione holds a Bachelor's Degree in Economics with an emphasis in International Business from the University of California Santa Cruz. She has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in Cantonese, Mandarin, and Vietnamese, she is equipped to work with a diverse clientele. Outside of her professional work, Dione enjoys music, reading, yoga, and spending time with her husband and two daughters. She is committed to building long-term relationships with clients and helping them make informed financial decisions.

Andrew Kropp is a financial advisor with Morgan Stanley, holding a Series 66 designation and two years of industry experience. He has worked in various roles, including positions at Morgan Stanley Private Bank and Northwestern Mutual. Outside of finance, he has been involved with entrepreneurial ventures such as Speedy Racket Stringing and Courtside Racket Sports LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with 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 incorporating firm-approved tools and modeling techniques.

Nick Almasov is a Financial Consultant currently working at Fidelity Investments since 2020. He has over a decade of experience in the financial services industry, specializing in assisting high-net-worth clients with their financial decision-making. Prior to his current role, Nick served as a Wealth Financial Advisor at Bank of the West from 2016 to 2020 and as a Premier Banker at Wells Fargo from 2014 to 2016. He holds a California Insurance License.

Shelley Goglio is a financial advisor at UBS Financial Services with 33 years of industry experience. She has been with UBS since 1989 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and provides research-driven, model-based asset allocation tailored to clients’ goals and risk tolerances.

Joseph Nelson is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jiedan Lin is a financial advisor at Morgan Stanley with eight years of industry experience. Prior to joining Morgan Stanley in 2022, Lin worked at HSBC Securities USA Inc and HSBC Bank USA NA from 2018 to 2022 and held roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA between 2015 and 2018. Lin holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Jonathan Bush is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley since 2014 and holds a Series 66 designation. Based in Palo Alto, CA, he is part of a large team servicing both individual and institutional clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers various advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides its services directly to individuals as well as through Corporate Financial Planning agreements with employers.

Saeed Dehghany is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at both J.P. Morgan and Wells Fargo. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services focused on asset allocation, manager selection, and customized reporting through a non-discretionary approach.

Christopher Genetti is a financial advisor with Charles Schwab in Santa Clara, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. He previously worked at Scottrade Inc. for nine years before joining Charles Schwab in 2018. Outside of his advisory role, he serves as a club officer for Los Gatos Toastmasters, contributing to member education and training. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed accounts. The firm offers a combination of non-discretionary advisory services and access to discretionary separately managed accounts, supported by strategic asset allocation models and alternative investment due diligence.

Charles Levy is a financial advisor at Morgan Stanley with 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. 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, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Thomas Boscardin is a financial advisor at Edward Jones in Los Gatos, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Local Eyes LLC, 90 Degrees West, and Don't Panic Production LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment options supported by a large national network of financial advisors and branch offices.

Gabriela De Oliveira is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked in various roles within J.P. Morgan and HSBC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation approach combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Michael Burke is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley since 2012, including his current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Jeff Liao is a Branch Leader at Fidelity Investments, a role he has held since 2022. In this position, he focuses on delivering Fidelity's Standards of Care by supporting and inspiring his team to exceed their goals and by striving to provide a world-class client experience consistently. Prior to his current role, Jeff served as Vice President and Branch Manager at HSBC Securities (USA) from 2018 to 2022. He holds a California Insurance License, which complements his expertise in financial planning and client service. Outside of his professional responsibilities, Jeff's personal interests include bowling, cars, food, golf, hiking, and motorcycles.