Vijaylakshmi Shetty is a financial advisor at Merrill with 17 years of industry experience and a Series 66 designation. She has worked at Merrill since 2011, including the current affiliation through Bank of America since 2017, and previously held positions at TIAA-CREF, MSI Financial Services, and Ameriprise. 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.

Adriana Maria Da Cruz is a financial advisor at Morgan Stanley with nine years of industry experience. She has previously worked at UBS Financial Services Inc. for eight years before joining Morgan Stanley in 2025. She holds a Series 66 designation. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Robert Gonzalez is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Investments, LLC and Wells Fargo Clearing, totaling 17 years within the Wells Fargo organization. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions informed by research and analytics.

Jason Bothwell is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at E*TRADE Securities and E*TRADE Capital Management. Bothwell is currently based in Menlo Park, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

The Phong Truong is a financial advisor at Merrill with six years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Prior to joining Merrill, he worked at Bank of America, N.A. for five years and was engaged in homemaking for two years. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Abrams is a financial advisor at Ameriprise Financial Services, LLC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Investments. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

David Lee is a CFP® with 23 years of industry experience currently at Wells Fargo Clearing. His prior roles include positions at U.S. Bancorp Advisors, BANK OF THE WEST, Morgan Stanley, and Waddell & Reed. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and utilizes research-driven approaches based on diversification and modern portfolio theory.

Ronald Gunawan is a Financial Consultant currently working at Fidelity Investments since 2023. He has held roles in the financial services industry including Private Client Advisor at JPMorgan Securities LLC from 2020 to 2022 and Private Client Banker at JPMorgan Chase Bank from 2016 to 2020. His professional focus includes wealth planning and financial consulting, with an emphasis on building lasting relationships and helping clients work towards goals such as comfortable retirement, wealth accumulation, and maintaining their current lifestyle. Ronald holds a California Insurance License, supporting his expertise in financial planning. No additional information regarding education, credentials beyond insurance licensing, personal interests, or community involvement was provided.

Matthew Barker is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and having 23 years of industry experience. He has been with Morgan Stanley since 2014, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a partner in Reef Hunters, LLC, an investment and real estate firm based in San Francisco. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery and proprietary tools, serving clients with a wide range of investment and planning services.

Frank Almendarez is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Akash Chauhan is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He began his career with Northwestern Mutual as a Financial Representative in 2021 and joined Fidelity Investments the same year. At Fidelity, he has served in multiple capacities including Relationship Manager, Planning Consultant, and Investment Consultant. As a Certified Financial Planner®, Akash works closely with clients to develop financial plans tailored to their specific needs and goals. He emphasizes understanding clients' current financial circumstances to present appropriate ideas and strategies. Akash holds a California Insurance License. Outside of his professional responsibilities, he has interests in baseball, comedy, food, football, and traveling.

Michael Anki is a financial advisor with J.P. Morgan Securities in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at First Republic Bank and Andersen Tax. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research supported by centralized due diligence and incorporates ESG considerations where applicable.

Alan Huynh is an Investment Consultant at Fidelity Investments, where he collaborates with clients to assist them in making informed decisions regarding their financial futures. He emphasizes understanding each client's goals, time horizon, and risk tolerance to offer personalized guidance. Prior to his current role, Alan worked as a Financial Consultant at Equitable Advisors from 2022 to 2025. He holds a California Insurance License. Outside of his professional work, Alan has interests in food, movies, outdoor adventures, pets, and theater.

Jacobo Koen Ruben is a financial advisor at Fidelity with the Series 66 designation and two years of industry experience. His prior roles include six years at Rockefeller Capital Management and earlier positions at Financial Clarity and Willamette University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services and manages multiple registered investment companies and fund-of-funds.

Lacey Wedell is a financial advisor with Morgan Stanley in Pleasanton, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has been with Morgan Stanley since 2006, including seven years at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves individual and institutional clients by offering a 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 utilizes a structured financial planning process supported by firm-approved tools and market modeling techniques.

Shyamali Mukherjee is a financial advisor with Mass Mutual Investors Services. She holds a Series 66 designation and has been with the firm since 2026. Prior to her advisory role, she has worked at Sandia National Lab since 2010. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars, focusing on collaborative, annual planning engagements using firm-approved analytical tools.

Yia Lee is a Financial Consultant at Fidelity Investments, a position held since 2026. Prior to this role, Yia served as a Planning Consultant from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Customer Relationship Advocate from 2022 to 2023, all within Fidelity Investments. Yia's approach centers on fostering client relationships built on honesty, communication, and trust to develop personalized financial plans that align with individual client goals and circumstances. Yia holds a California Insurance License. Outside of work, Yia enjoys camping, attending social events with friends, watching movies, participating in outdoor adventures, and traveling.

Ahmad Hojatnia is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including JPMorgan Chase Bank, Bank of America, Merrill, and Raymond Young CPA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach combines quantitative and qualitative due diligence with customized asset allocation advice and investment manager searches.

Daniel Chane is a Financial Consultant currently working at Fidelity Investments since 2021. He has over a decade of experience in the financial industry, including previous roles as a Market Leader at Merrill Lynch from 2014 to 2021 and as a Financial Solutions Advisor at Merrill Lynch from 2011 to 2014. His approach involves helping clients plan for their financial goals with a holistic perspective. Daniel focuses on educating, coaching, and mentoring clients to take a responsible approach toward overcoming financial concerns and pursuing their objectives. He emphasizes the importance of clients feeling understood and confident in their investment decision-making processes. Daniel holds a California Insurance License.

Timon Shaw is an Investment Consultant at Fidelity Investments, a role he has held since 2025. His approach centers on understanding clients' risk tolerance, investment preferences, and personal backgrounds to develop financial plans aimed at achieving financial freedom for individuals and families. Prior to his current position, Timon served as Associate Vice President of Private Markets at Upmarket from 2023 to 2024. He also has experience as a Financial Advisor and Client Associate at Merrill between 2019 and 2021. Timon holds a California Insurance License. Outside of his professional work, Timon has personal interests that include attending concerts, fitness activities, football, golf, and snowboarding.