Mo Bai is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Fidelity in 2025, Mo worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and operated a family daycare business called Rainbow Land Family Daycare from 2022 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, using a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, advisory roles to multiple registered investment companies, and incorporation of AI and systematic methodologies in investment management.

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.

Chase Henley is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, bringing seven years of industry experience. His work history includes consistent roles at Morgan Stanley and Amherst College from 2016 to the present. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services under both direct client and corporate financial planning agreements.

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.

Sujan Chyo is a Series 66-licensed financial advisor with Morgan Stanley in Pleasanton, CA, with 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including 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 modeling to support client financial goals.

M. Curtis Bauer is a financial advisor with Cetera, holding a Series 63 designation and bringing 34 years of industry experience. He has been with Cetera and its affiliated entities since 2013. Outside of his advisory role, he serves as a director for a homeowners association, acting as a vendor liaison. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers to provide various investment program options.

Carlos Gallardo is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2019. Prior to his financial services career, he worked in various roles including at Texas Roadhouse and Jade Global, Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Junior Castellanos is a financial advisor with J.P. Morgan Securities in Redwood City, CA, holding Series 63 and Series 66 credentials and 15 years of industry experience. His career includes multiple roles within J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2009, as well as brief periods at U.S. Bancorp and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework. The firm operates within the larger J.P. Morgan organization, offering a range of investment strategies with an emphasis on institutional consulting services delivered on a non-discretionary basis.

Kenneth Dammel is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, and Sterne Agee Financial Services. He also operates Beckman Investment Securities, a sole proprietorship providing investment advice and services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with financial planning and access to third-party money managers. The firm employs various tools and platforms to construct diversified portfolios tailored to client needs.

John Dominge is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds the Series 66 designation and has previously worked at SCF Investment Advisors, SCF Securities, and Mass Mutual Life Insurance. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charities, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing proprietary and third-party model strategies across multiple platform arrangements.

Brian Hackmeister is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior work includes a decade at Wells Fargo Clearing Services before joining J.P. Morgan in 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the larger J.P. Morgan organization and offers a distinctive range of products and services, including security-based swap and futures commission merchant activities.

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 the Series 63 and Series 66 licenses and has previously worked at First Republic Bank and Chase Investment Services Corp. Outside of her advisory role, she manages a rental property in Fremont, California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager searches, and customized performance reporting through a combination of quantitative modeling and centralized due diligence.

Mai Liu is a financial advisor at Charles Schwab with 10 years of industry experience. Liu holds Series 65 and Series 63 licenses and has worked at Charles Schwab since 2022, with prior experience at Morgan Stanley Private Bank and Fidelity Investments. 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 mix of non-discretionary advice and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a distinctive operational structure integrating advisory, brokerage, custody, and cash-sweep services.

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 with three years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2022. His background includes various roles outside of finance, including work in logistics and hospitality. 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 that include tailored financial planning and access to institutional research and investment resources.

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.

Angel Chen is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2019, following a prior role at Citigroup from 2016 to 2019. Outside of her advisory work, she is the owner of Innovative Global Alliance, a for-profit business in Danville, California. 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 individuals, high-net-worth clients, and institutional investors.

Hillary Lindberg is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 11 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is an independent seller on eBay. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and analytical tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Stefan Jelev is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. He has progressed through various roles at Fidelity Investments, including Investment Consultant, Workplace Planning Consultant III, II, and I, as well as Workplace Planning Associate, reflecting a continuous commitment to financial advisory services. Prior to joining Fidelity Investments, Stefan gained experience as a Financial Advisor Intern at Northwestern Mutual from 2018 to 2020. Stefan holds a California Insurance License, supporting his role in providing comprehensive financial planning and consulting. He approaches financial planning as a personalized, collaborative process rooted in trust, transparency, and long-term strategy, aiming to help clients achieve their goals with clarity and confidence. Outside of his professional life, Stefan has interests in cars, fitness, golf, hiking, photography, and skiing.