Naim Kawadri is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he collaborates closely with clients to assist them in making sound financial decisions and building comprehensive financial plans. He focuses on helping clients work towards financial success by periodically reviewing their investment strategies and goals. Prior to his current position, Naim served as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2022. His professional experience encompasses advising clients on financial strategies and solutions over several years. Naim holds a California Insurance License.

Tuyetanh Tran is a financial advisor with J.P. Morgan Securities based in Newark, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her work history includes roles at J.P. Morgan Securities since 2018 and Chase Investment Services Corp from 2011 to 2018. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities through related affiliates.

Matthew Atkins is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has worked across various J.P. Morgan entities since 2015, including JPMorgan Chase Bank and JPMorgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes access to derivatives and commodities capabilities.

Brent Kuhne is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at firms including First Republic Investment Management, First Republic Securities, and UBS Financial Services. His background also includes roles with the City of Milpitas, Levi's Stadium, and San Francisco State University. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and investment models in its advisory approach.

Violet Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial advising since 2000. She specializes in a wide range of client focus areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Her approach centers on developing personalized financial strategies that align with each client's goals and values. Violet and her team utilize a disciplined process that includes establishing objectives, developing strategies, recommending personalized plans, and updating them in response to clients' life changes. She is involved in managing investments, cash flow, liabilities, asset allocation, tax exposure, insurance coordination, retirement assets, and trust and estate planning services. Violet holds a Master's degree in Business Administration with an emphasis in Finance from San Jose State University and a Bachelor's degree from the University of Texas at Austin. She has earned the Personal Investment Advisor (PIA) designation. Violet participates in her local community through involvement with the De Anza Cupertino Aquatics Team and the Los Gatos Saratoga Unified School District. She resides in the Bay Area with her family and enjoys traveling, reading, swimming, hiking, and other activities.

Kingston Thai Ngo is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, First Republic Bank, Bank of America, and Ghirardeli Chocolate Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Boris Melamud is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Plato Wang is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Bank of America, Fidelity Investments, and Merrill. Outside of his advisory role, he manages a small online business selling used books via Amazon. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Susan Huang Cramer is a financial advisor with Morgan Stanley in Cupertino, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is the owner of the Cramer Family Trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 as part of its advisory services.

Lance Buckeldee is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2008, including over a decade at Morgan Stanley Private Bank, N.A. based in Palo Alto, California. 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 processes and firm-approved tools.

Mark Gillelen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 37 years of industry experience. His prior work includes roles at First Allied Advisory Services, Morgan Stanley, and Banc of America Investment Services. He serves as President of The Eva and John Ross Foundation, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and asset management options and supports its advisors with advanced research and operational tools.

Talin Shaheen is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., Shaheen held positions at JPMorgan Chase and Premierone Credit Union. Outside of finance, Shaheen worked in the food service industry and has experience in education. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Estanislao Saenz is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in guiding families and entrepreneurs through critical financial transitions, including employment changes, retirement, business protection, expansion, and sales. Estanislao and her team develop tailored wealth management strategies aimed at enhancing growth and promoting financial security, with a focus on client-centered service. Her areas of expertise include family wealth management, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Estanislao holds a Bachelor's Degree from New Mexico State University and maintains the Personal Investment Advisor (PIA) designation. She communicates fluently in both Spanish and English. As a naturalized immigrant and a mother of two, Estanislao emphasizes the importance of being present and prepared, striving to provide her clients with confidence and trustworthy guidance during life’s financial challenges. In her personal time, she enjoys running, traveling, and spending time with her family.

Peter Morris is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 47 years before joining Osaic in 2025. Morris offers fixed annuity products through Osaic Wealth and Crump where appropriate to clients. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a range of programs featuring model-based asset allocation, portfolio optimization, and multiple investment strategy options.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Jeffrey Chun is a financial advisor at Osaic with 26 years of experience in the industry. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors for 24 years before joining Osaic in 2025. In addition to his advisory role, Chun offers various insurance products including accident and health, disability insurance, and fixed/indexed annuities. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, providing both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and offers a range of managed portfolio options and third-party manager programs.

Kevin Wolfe is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 66 designation and with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. 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 services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and structured processes without providing individual security recommendations as part of standalone financial planning.

Michael Wang is a CFA® charterholder and Series 66 licensee with six years of experience in the financial industry. He is currently with Morgan Stanley in Palo Alto, CA, where he has worked since 2020, following roles at ForeGrowth Inc., Royal Bank of Canada, and China Construction Bank (Canada). He serves as a board member for the nonprofit New Horizon Career Club in Toronto. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured tools and investment modeling.

Jimmy Tran is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with Wells Fargo Clearing and previously worked for Charles Schwab and Charles Schwab Bank for 10 years. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Jessica Yiu is a financial advisor at Morgan Stanley with 28 years of industry experience. She has held prior roles at UnionBanc Investment Services, MUFG Union Bank, and Charles Schwab. Yiu holds Series 63 and Series 65 designations and is based in Sunnyvale, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery and firm-approved planning tools.