Joanna Ho is a financial advisor at Morgan Stanley in Palo Alto, CA, with nine years of industry experience. She has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., and JPMorgan Chase in various roles. Ho holds the Series 63 and Series 65 licenses. 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 planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Ross Gusky is an Investment Consultant at Fidelity Investments. In this role, he partners with clients to develop and implement financial plans and investment strategies tailored to their unique goals, concerns, and risk profiles. He focuses on creating and adjusting plans to align with changing market conditions and life circumstances. Ross has held several positions at Fidelity Investments, including Financial Representative and Financial Services Representative. Prior to joining Fidelity, he worked as a Financial Professional at New York Life Insurance. He holds a California Insurance License.

Robert Rius is a financial advisor with Morgan Stanley in Burlingame, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He also serves as treasurer of the Menlo College Alumni Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its advisory process.

Ava Fairlie is a financial advisor at Morgan Stanley in Burlingame, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, she worked at Stifel, Nicolaus & Company Inc and has experience in retail at Nordstrom. Ava also has a background in education, having worked at Burlingame High School and Santa Clara University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients, including financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, firm-approved planning process without providing individual security recommendations in standalone plans.

J Mckelvy is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a sole proprietor involved in real estate ownership in San Francisco. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and investment committee analysis.

Timothy Gedeon is a financial advisor at Morgan Stanley in Burlingame, CA, with 19 years of industry experience. He has been with Morgan Stanley since 2009 and holds Series 63 and Series 65 licenses. 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 a structured planning process with firm-approved tools and modeling techniques.

Jack Damelio is a Financial Advisor at Merrill Lynch Wealth Management, where he is part of the GD Group. He focuses on helping entrepreneurs, founders, executives, and their families with wealth management, including areas such as pre-liquidity event planning, diversification strategies, corporate cash management, executive compensation optimization, and tax-sensitive investing. Jack serves as a Portfolio Advisor in the Merrill Investment Advisory Program, recommending investment strategies to help clients pursue their objectives. Jack began his career in wealth management at Morgan Stanley in 2022 as a Financial Advisor before joining Merrill Lynch Wealth Management two years later. He holds a Bachelor's degree in Economics from Pomona College, where he also played infield on the varsity baseball team. He carries the Personal Investment Advisor (PIA) designation. A resident of San Francisco, Jack is a native of the Bay Area and has interests in football, golfing, music, spending time with his family, and traveling. He regularly volunteers with community organizations in the city.

Keith Oslie is a financial advisor with Osaic Wealth Inc., holding a Series 65 credential and eight years of industry experience. His prior roles include positions at Defined Financial Planning LLC, J.W. Cole Advisors, Inc., and Global Financial Private Capital, LLC. Outside of advising, he is treasurer and partner at Cheers to Happy Hair, Inc., a hair salon where he manages finances and payroll. Osaic Wealth, Inc. serves a diverse mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, advisory services, financial planning, and access to third-party asset managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Benjamin Zusman is a financial advisor at Edward Jones with one year of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Edward Jones, he worked at New York Life for two years and was involved in the restaurant business at Italian Colors Restaurant for four years. He also has experience working with the U.S. House of Representatives Foreign Affairs Committee. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various types of households and organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment services through a national network of advisors and branch offices.

Richard Zak is a financial advisor with Charles Schwab in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been affiliated with Charles Schwab since 2000 and serves as a volunteer board member with the CFP Board since 2017. Charles Schwab & Co., Inc. serves a large client base including high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advice with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by centralized operations and alternative investment due diligence.

Alexander Rich is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 66 and Series 63 licenses and having 14 years of industry experience. He has worked at Charles Schwab and its affiliates since 2011. Outside of his advisory role, he owns a rental services business in Phoenix, Arizona. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Michael Petersen is a financial advisor at Fisher Investments with 22 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2002. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm utilizes a centralized investment approach combining quantitative screening and qualitative research to construct globally diversified portfolios and manages risk through tax-aware processes and defensive tactics.

Julius Scott is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and was previously with Goldman Sachs from 2016 to 2018. He holds Series 65 and Series 66 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm integrates quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework in its investment recommendations.

Gerard Bessette is Vice President, Wealth Planner at Fidelity Investments, where he has served since 2026. In this role, he works closely with clients to develop personalized financial plans that align with their individual goals and priorities. His approach emphasizes collaboration and thoughtful guidance to help clients navigate their financial journeys. Prior to his current position, Gerard held the role of Financial Consultant at Fidelity Investments from 2019 to 2026. His experience in the financial services industry includes positions at TD Ameritrade, Hornor, Townsend & Kent, Inc, CUSO Financial Services, L.P, and AXA Advisors, LLC. Gerard holds a Certified Financial Planner (CFP®) designation and maintains a CA Insurance License. Outside of his professional career, Gerard enjoys activities such as spending time at the beach, hiking, swimming, traveling, and caring for pets.

Andrew Walsh is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management and tax minimization strategies. He works closely with clients to understand their priorities and helps develop personalized strategies to achieve their short-, mid-, and long-term financial goals. His expertise covers a broad range of areas, including college education planning, executive compensation, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Andrew holds a Bachelor's Degree from the National University of Ireland and a Master's Degree from Imperial College. He carries the professional designation of Personal Investment Advisor (PIA) and is registered under NMLS#2287337. As part of his approach, he serves as a resource for investing, retirement planning, and saving for unexpected events, providing clients with ongoing advice and guidance. Andrew can also connect clients with Bank of America specialists in banking, credit, home financing, and small business solutions. Outside of his professional work, Andrew is a husband and father who enjoys spending time with his family. His personal interests include fishing, gardening, golfing, music, soccer, and traveling. He is actively involved in sports, including soccer, karate, and Gaelic youth sports.

David Yu is a financial advisor with Charles Schwab in Redwood City, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Charles Schwab since 1998. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm operates a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and oversight from the Schwab Center for Financial Research.

Michael Hsu is a financial advisor with Morgan Stanley in San Mateo, CA, holding a Series 66 license and 16 years of industry experience. His career includes roles at Morgan Stanley since 2020, the Morgan Stanley Private Bank since 2021, and prior positions at Tenergy and AdviceBridge, Inc. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides customized plans that incorporate advanced modeling techniques.

Dennis Karle is a CFA® charterholder with 33 years of industry experience, currently serving as a financial advisor at Morgan Stanley in Palo Alto, CA. He has been associated with Morgan Stanley Private Bank, N.A. since 2015 and has worked at MORGAN STANLEY SMITH BARNEY LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools and methodology to support client goals.

Laura Schaefer is a financial advisor at Fisher Investments based in San Mateo, CA, holding a Series 66 designation with 13 years of industry experience. She has been with Fisher Investments since 2014. Fisher Investments serves a global client base that includes institutional and private clients such as pension plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management across various mandates and employs a centralized investment decision process combining quantitative and qualitative methods to manage globally diversified portfolios.

Maria Aurea Dayap is a financial advisor at Merrill with a Series 66 designation and 1 year of industry experience. She has been with Merrill since 2014. 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, pension plans, corporations, and charitable organizations.