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 eight years of industry experience and holds a Series 66 credential. Prior to joining Ameriprise in 2026, she worked with Kestra Advisory and Transitions Wealth Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides written recommendation reports and ongoing advice focused on 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 Series 66 registration and one year of industry experience. Her prior work history includes roles at Stifel, Nicolaus & Co., Inc., Rakuten Viki, and various positions in education and local government. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

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.

Daniel Dols is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has been with Fidelity Investments since 2021, previously holding roles as an Investment Consultant and Financial Representative. Daniel brings a personal understanding of the financial challenges faced by clients in Silicon Valley, drawing on his background as the son of immigrants and his local upbringing. Daniel holds a California Insurance License. Outside of his professional work, he has interests in cars, food, social events, golf, hiking, and traveling.

Myung Woon Chun is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at firms including First Republic Securities Company, J.P. Morgan Securities, Stifel, and Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Arman Bhangu is an Investment Consultant currently working at Fidelity Investments since 2025. He previously served as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. In his role, Arman focuses on goal-based planning and providing personalized investment guidance to help clients achieve financial confidence. Arman holds a California Insurance License, which supports his efforts to offer comprehensive financial advice. His approach aims to foster trust and assist clients in navigating important financial decisions with clarity and confidence. Outside of his professional work, Arman has personal interests that include cars, comedy, fitness, hiking, and spending time with pets.

Daniel Gieseke is a financial advisor at Morgan Stanley in Menlo Park, CA, with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Prior to that, he was associated with Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Erick Ortez is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 66 designations and 15 years of industry experience. He previously worked at J.P. Morgan Securities from 2012 to 2018 before joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Shou Chan Lee is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their financial planning approach uses structured discovery and firm-approved tools, offering tailored plans without individual security recommendations as part of standalone services.

Catherine Fang is a financial advisor at Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 22 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market simulations.

Katherine Ryan is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and has previously worked at Merrill, Lazard Asset Management, First Republic Investment Management, and First Republic Securities Company. 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.

Haoyi Luo is a financial advisor at Morgan Stanley in Cupertino, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, Luo worked at CitiBank from 2018 to 2022 and held roles at My Wireless between 2015 and 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by structured discovery conversations and firm-approved tools.

Nikolay Varbanets is a financial advisor at Morgan Stanley with 12 years of industry experience. He has held roles at Morgan Stanley Smith Barney LLC since 2014 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is the sole proprietor of a rental property business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Richard Young is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity Investments since 2022, initially serving as an Investment Consultant before assuming his current role in 2024. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2020 to 2022. Richard's experience encompasses partnering with families to develop financial plans aimed at achieving their goals. He focuses on building, maintaining, and protecting wealth while fostering trusted relationships with his clients. His commitment involves helping individuals and families make informed decisions regarding their investments to provide peace of mind and allow them to concentrate on other aspects of their lives. He holds a California Insurance License.

Andrew Bettisworth is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2018. Prior to his current role, he worked at Silicon Valley Career Technical Education and CharterOak State College. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques to assist clients and manages approximately $2.74 trillion in client assets.

Stephen Maluchnik is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.