Rivka Marom Franco is a Series 66-licensed financial advisor with Morgan Stanley, based in Palo Alto, CA, and brings 24 years of industry experience. She has been with Morgan Stanley and its affiliates since 2010, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individual and institutional clients. The firm provides tailored financial planning through structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Wing Yin Lee is a CFP® and CFA® credentialed advisor with nine years of industry experience. She has worked at J.P. Morgan Securities and JP Morgan Chase Bank since 2019 and previously held roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. She is based in Palo Alto, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research, incorporates ESG considerations, and delivers services supported by affiliated investment-management entities.

Jiyoung Chung is a financial advisor at Fidelity with 17 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including American Investors Company and StarOne Credit Union. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is notable for its use of systematic methodologies, AI-driven research, and its advisory roles to registered investment companies and fund-of-funds.

Namrata Agrawal is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2016 and holds the qualification of Senior Portfolio Advisor. In her role, she collaborates with clients to develop personalized financial strategies that address their long-term goals, encompassing a range of services including investment management, education planning, retirement income, and socially responsible investing. Namrata brings expertise in areas such as education planning, liquidity management, managing new wealth, portfolio management, tax minimization, and special needs planning strategies. She and her team, The Barnao Group, serve both individuals and small businesses, leveraging Merrill Lynch's resources along with banking and lending solutions provided through Bank of America. Namrata holds the Chartered Financial Analyst (CFA) designation and is a Personal Investment Advisor (PIA). She earned both her Bachelor's degree in Accounting and Master's degree in Economics from Rajasthan University. Originally from Jaipur, India, Namrata moved to the United States in 2000 and currently resides in Sunnyvale, California. She is involved in community activities, including volunteering with Stocklmeir School in the Cupertino Unified School District. Outside of her professional commitments, Namrata enjoys biking, gardening, spending time with her family, and traveling.

Brandon Matsuno is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he worked at Oracle for four years and held positions at Northwestern Mutual and Merrill Lynch. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI technologies, and its advisory role to multiple registered investment companies.

Li Xu is a Planning Consultant at Fidelity Investments, a position held since 2021. In this role, Li collaborates closely with clients and advisors to understand investment needs and objectives, supporting clients throughout the financial planning process to help them pursue their investment goals confidently. Li has extensive experience in financial services, having worked as a Financial Consultant at TD Ameritrade from 2018 to 2021 and as an Investment Consultant at Scottrade from 2009 to 2018. Li holds a California Insurance License, which supports the provision of comprehensive financial and insurance planning services.

Sylvie Leon is a Wealth Management Senior Relationship Manager at Fidelity Investments. In her current role, she serves as an advocate for families pursuing their retirement or investment goals, focusing on providing personalized experiences by leveraging the firm's resources. She emphasizes deepening client relationships through regular outreach and collaboration with partners and subject matter experts to identify appropriate strategies. Ms. Leon has held various roles within Fidelity Investments since 2024, including Planning Consultant and Relationship Manager. Prior to joining Fidelity, she served as Vice President and Client Relationship Manager at Elevon Wealth Management from 2016 to 2023, and as Assistant Vice President and Senior Registered Client Associate at Hitchcock Rosenfield Investment Group Wells Fargo Advisors from 1998 to 2016. She holds a California Insurance License. Outside of her professional responsibilities, Sylvie enjoys art, family activities, movies, music, parenthood, and traveling.

Yingfei Shi is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. Shi holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012, with prior roles at Chase Investment Services Corp., Wamu Investments, Inc., and Morgan Stanley & Co. LLC. Outside of advisory work, Shi is an owner and partner in multiple real estate investments across several states. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a mix of quantitative and qualitative research.

Nicolas Haussecker is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 12 years of industry experience. He has worked at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association, since 2015. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, delivering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of investment and planning services without providing individual security recommendations as part of its standalone planning programs.

Danny Chung is a Financial Consultant currently working at Fidelity Investments since 2018. He focuses on assisting clients in making informed decisions about their financial futures by developing and implementing comprehensive financial plans tailored to their goals. His professional experience includes roles as an Investment Consultant at Fidelity Investments from 2016 to 2018, a Financial Advisor at Bank of America Merrill Lynch from 2012 to 2015, a Financial Advisor at Morgan Stanley from 2009 to 2012, and a Fixed Income Specialist at ML Stern & Co. from 2003 to 2009. Danny holds a California Insurance License.

Janice Kwak is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and five years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Equitable Advisors, LLC from 2020 to 2022 and spent 12 years at Nike, Inc. Outside of her advisory role, she is involved with EXP Realty, LLC / MORE Realty, LLC since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process relies on structured discovery and firm-approved tools but does not include individual security recommendations within standalone plans.

Andrew D. Ferguson is a financial advisor with UBS Financial Services in Los Gatos, CA, holding a Series 66 designation and 23 years of industry experience. He has been with UBS since 2002. Ferguson has served as a trustee for Marietta College and is involved locally as a board member of the Los Gatos Education Fund and an advisory committee member for the Los Gatos Union School District. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services through a comprehensive platform.

Martin Drake is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and UBS Financial Services. He is based in Menlo Park, 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 analysis from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through direct client relationships and Corporate Financial Planning agreements.

Alka Kumar is a Vice President and Financial Consultant at Fidelity Investments, a role she has held since 2020. She has over a decade of experience in the financial services industry, working with clients to develop financial plans tailored to their goals and priorities. Her work focuses on helping clients achieve financial freedom and peace of mind. Prior to her current position, Kumar served as Vice President Financial Solutions Adviser at Bank of America Merrill Lynch from 2016 to 2020. She also held the role of Vice President Private Client Adviser at JP Morgan Chase N.A. from 2011 to 2016 and was a Licensed Banker at Chase from 2006 to 2010. Kumar holds a California Insurance License. She emphasizes building trust and sincerely caring for her clients' financial well-being in her professional approach.

John Silk is a Financial Advisor at Merrill Lynch Wealth Management and a member of the GD Group. He offers personalized investment guidance tailored to clients’ goals, risk tolerance, time horizon, and liquidity needs. John focuses on areas including education planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. He holds a Bachelor's Degree from the University of Southern California and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). John works collaboratively with clients to develop individualized financial strategies designed to support their long-term objectives. Outside of his professional responsibilities, John enjoys golfing, hiking, fishing, baseball, football, pickleball, reading, skiing, volleyball, and spending time with his family. He actively participates in community volunteering, reflecting the Merrill tradition of engagement in the communities they serve.

Phuong Mai is a financial advisor at Ameriprise with nine years of industry experience and a Series 66 designation. She previously worked at Kestra Advisory and Transitions Wealth Advisors and has provided comprehensive financial planning, risk management, and asset management services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Caryna Corzine is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is committed to providing advice and guidance to individuals, families, businesses, and non-profit organizations through a planning-based approach tailored to their goals and priorities. Her focus includes executive compensation, family wealth management strategies, retirement income, philanthropic planning, and investment strategy for individuals and corporations. Her expertise centers on placing the investor at the center of the wealth management process, using an understanding of clients' lives as the foundation for recommending financial strategies designed to help them pursue their goals and adjust their plans over time. Caryna is aligned with the philosophy of The Eyer – Corzine – O'Connell Group, which emphasizes long-term progress and personalized financial management. Caryna holds a Bachelor's Degree from Rutgers University. Outside of her professional work, she enjoys golfing, hiking, tennis, and spending time with her family.

Valerie Kuo is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has previously worked at firms including Stifel, Nicolaus & Co., Inc. and Jpmorgan Chase Bank, N.A. Valerie’s background also includes roles outside of finance, such as positions at UC San Diego and Rakuten Viki. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative analysis, incorporates ESG considerations, and includes unique regulatory registrations related to derivatives and commodities.

Debby Kurniawati is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at U.S. Bank, Unionbanc Investment Services, and MUFG Union Bank. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Nina Reyes is a financial advisor with Morgan Stanley in Los Gatos, CA, holding a Series 66 designation and 17 years of experience with the firm. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including 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 Monte Carlo simulations and Secular Return Estimates to support its financial planning process.