Richard McHugh is a Senior Vice President and Private Wealth Advisor at Merrill Private Wealth Management. He provides tailored advice and guidance to entrepreneurs, executives, and successful families, helping them invest, grow, and transfer their wealth more effectively. Rich focuses on understanding each client's financial picture and goals to offer comprehensive wealth management advice, assisting clients in advancing their personal priorities and long-term aspirations. Rich's financial services career began in 2008. Prior to joining Merrill, he was a Vice President with J.P. Morgan Private Bank, serving clients in Chicago, New York, and Seattle offices. He holds a B.A. in Political Science and Government from Purdue University and an M.S. in Finance from DePaul University. Rich is also a Personal Investment Advisor (PIA). He grew up in Chicago, Illinois, and lives in Kirkland, Washington. Outside of work, Rich enjoys cooking, football, reading, skiing, soccer, traveling, watching movies, and yoga.

Valerie Corradini is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior experience includes roles at Heidrick & Struggles, Inc. and Visa, Inc., as well as a period of self-employment. Morgan Stanley Wealth Management serves 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 employs structured planning processes supported by the Global Investment Committee’s analyses.

Steven Gruber is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. Prior to this, he worked as an Investment Consultant at TD Ameritrade from 2010 to 2015 and began his career as a Junior Financial Advisor at Financial Foundations in 2008. Steven has nearly two decades of experience in financial planning and investment strategy, working closely with clients to develop personalized plans that address their unique goals, concerns, and risk tolerances. He emphasizes the importance of ongoing communication and adjustment of investment strategies in response to changing market conditions. He holds a California Insurance License. Outside of his professional work, Steven enjoys cooking and baking, family activities, fitness, golf, skiing, and tennis.

Pourya Naeimi is a financial advisor at J.P. Morgan Securities with 22 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining J.P. Morgan in 2026. He holds the Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Aldo Severson is a CFP® professional with eight years of industry experience, currently serving as a Wealth Advisor at J.P. Morgan Securities in Palo Alto, CA. His prior roles include positions at First Republic Investment Management and Northwestern Mutual Wealth Management. Outside of his advisory work, he is a 50% owner of Happy Pals, LLC, a non-financial business involved in selling products online. 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 in its investment recommendations.

Hug Manzano Gomez is a Series 66-licensed financial advisor with Morgan Stanley in Menlo Park, CA, bringing 15 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he serves as a business ambassador for ACCIO, promoting Catalonia abroad within the U.S. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools without providing individual security recommendations in standalone plans.

Mark Lewandowski is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been providing financial advice and strategies for over 23 years. He collaborates closely with other specialists within Merrill Lynch Wealth Management and Bank of America to assist clients in preserving and growing their wealth across different market environments. Mark's work includes helping wineries with retirement planning and focuses on areas such as college education planning, liquidity management, personal retirement planning, tax minimization, and socially responsible investing. Mark holds a Bachelor of Science degree in Business Administration from John F. Kennedy University, graduating Magna Cum Laude. Additionally, he earned a Course Certification in Success from Wharton University of Pennsylvania through an online program. He is also recognized as a Personal Investment Advisor (PIA). Mark is active in several professional organizations, including the Dublin Chamber of Commerce, Pleasanton Chamber of Commerce, and the Italian Catholic Federation. Fluent in Polish and English, Mark engages in community involvement with organizations like Kids Against Hunger and Tri-Valley Haven. Outside of his professional work, he enjoys playing tennis, basketball, golf, coaching and watching soccer, collecting wine, traveling, and spending time with his family.

Alexander Clark is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients in the Bay Area to develop tailored financial strategies focused on asset allocation and long-term growth. His approach emphasizes understanding each client's individual goals and priorities to provide personalized advice across a range of areas, including equity compensation services, legacy planning, liquidity management, managing new wealth, tax minimization, and retirement income. Clark holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Oceana High School. Through Merrill's platform, he offers clients access to a comprehensive suite of financial resources, including banking, credit, home financing, and small business solutions. Outside of his professional role, Clark enjoys baseball, football, music, reading, singing, spending time with family, and watching movies.

Brandon Francis is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Agero Roadside Assistance and community engagement with the Nehemiah Community Empowerment Center. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Megan Araujo is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses with 14 years of industry experience. She has been with Morgan Stanley since 2013. 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, and manages approximately $2.74 trillion in client assets.

Sylvia Rivera is a financial advisor with Wells Fargo Clearing in Palo Alto, CA, holding a Series 66 designation and nine years of industry experience. She 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 non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Dan Flores is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2010. Flores serves on the board of the Mounted Patrol Foundation of San Mateo County, a community organization supporting equestrian initiatives and youth programs. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to assist clients in financial decision-making.

Ran Zhou is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following prior roles at Bank of America and Merrill. Outside of his advisory work, he is a sole proprietor of rental property management in Alameda and San Mateo, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Daniel Rave is a financial advisor at Fidelity with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, delegation to sub-advisers, and its advisory roles for multiple registered investment companies and fund-of-funds.

Ngan Liang is a Vice President and Financial Consultant at Fidelity Investments, where he currently works to provide financial advice tailored to clients' individual goals. He joined Fidelity in 2023, bringing with him extensive experience from his previous role as Vice President and Financial Solutions Advisor at Bank of America Merrill Edge, where he worked from 2012 to 2023. Ngan holds a California Insurance License, supporting his expertise in financial consulting and investment strategies. Outside of his professional work, he engages in personal interests such as cooking and baking, participating in family activities, social events with friends, hiking, caring for pets, and traveling.

Patrick Ho is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has previously worked as a Private Client Advisor at J.P. Morgan Chase Bank, N.A. from 2018 to 2019 and as a Financial Advisor at J.P. Morgan Securities, LLC from 2017 to 2018. Patrick focuses on building strong relationships with clients to develop financial plans tailored to their unique needs. He holds a California Insurance License. Patrick's approach emphasizes understanding what is important to his clients and their families to collaboratively create effective financial strategies.

Kenneth Prodger is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cambridge since 2014. Prodger is the founder of the Special Needs Planning Group, a business focused on insurance, benefits, and human resources services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals and utilizes a range of portfolio management and model-based solutions.

Huiying Cheng is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 10 years of industry experience. She has previously worked at Bank of America, Merrill, and Fidelity Brokerage Services. Cheng is currently affiliated with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm utilizes structured planning tools and investment models to support client outcomes, managing approximately $2.74 trillion in assets.

Julie Tung is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. 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 services. 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.

Susan Wohlgemuth is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets, Inc. since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and economic modeling in its financial planning process.