Peter Skinner is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His prior roles include positions at Summitry and Land Title Guarantee Company, as well as experience with Santa Clara University and Colorado Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools without providing individual security recommendations as part of its standalone planning services.

Khoa Luong is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role starting in 2017, he worked at Enterprise Holdings from 2013 to 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a mix of quantitative and qualitative research.

Richard Simpson is a Series 66 licensed advisor with 21 years of industry experience, currently serving clients at Ameriprise in Santa Clara, CA. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. In addition to his advisory role, he is involved in independent insurance brokering with several health insurance providers, including Blue Shield, Anthem Blue Cross, Kaiser Permanente, and United Healthcare. Ameriprise Financial Services is a diversified firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning through a collaborative, non-discretionary approach that integrates proprietary investment research and third-party data.

Scott Rash is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Morgan Stanley since 2009. Rash serves as a non-public arbitrator for the Financial Industry Regulatory Authority. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Michelle Peng is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. Outside of her advisory role, she is a partner in a technology firm focused on circuit board design and consulting. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services for both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach utilizes structured discovery and firm-approved tools, supported by advanced modeling techniques such as Monte Carlo simulations.

Ben Krugman is a financial advisor with Wells Fargo Clearing in San Jose, CA. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2004, accumulating 22 years of industry experience. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Roberta Arakaki is a financial advisor at Morgan Stanley in San Jose, CA, with 25 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 65 licenses. Outside of her advisory work, she is involved in paper crafting and stamping, operating a small business focused on greeting cards and crafting products, and she also sells Tupperware as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and models to support client planning needs.

Ahmed Khatib is a Private Wealth Advisor and founder of the Lloyd Khatib Group within Merrill Private Wealth Management. He works closely with entrepreneurs, wealth creators, senior executives, and ultra-high-net-worth clients to help them grow, preserve, and transfer their wealth more effectively. Ahmed focuses on understanding his clients’ unique financial goals and developing clear strategies that address the complexities associated with substantial wealth. Ahmed has extensive experience in investing and wealth management, having worked since 2000. Prior to joining Merrill, he was a Senior Investment Strategist at Wells Fargo Private Bank and served as a Senior Portfolio Manager at HighMark Capital Management. His expertise spans areas such as education planning, executive compensation, family wealth management, legacy planning, liquidity management, and socially responsible investing. He holds an M.B.A. from the Paul Merage School of Business at the University of California, Irvine, and a bachelor's degree in Psychology with a minor in Economics from the University of California, San Diego. His education also includes a year of study at the University of Reading in England. Ahmed is a Chartered Financial Analyst® (CFA®) and a CERTIFIED FINANCIAL PLANNER™ (CFP®). He serves on the Board of Directors and the Finance Committee of LifeMoves, a Bay Area nonprofit supporting homeless families and individuals. Ahmed is a member of the CFA Society of San Francisco and resides in San Mateo with his wife and two children. In his free time, he enjoys traveling, playing golf, tennis, basketball, and playing guitar.

Gail Rogers is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves on the advisory board of Associate Resources LLC, a strategy consulting firm, and is a board member of the University of Pennsylvania Alumni Club of San Francisco. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, combining financial planning and estate strategies with a structured planning process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Solaria Perez Stepanov is a financial advisor at Morgan Stanley with 15 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2010 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she owns SOLARIA TV, a video production business. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide 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 and modeling techniques in its financial planning process.

Jiaying Ma is a financial advisor with Charles Schwab holding a Series 66 designation and two years of industry experience. She previously worked at iBest Learning Center for six years before joining Charles Schwab and Charles Schwab Bank, SSB. 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 offers a blend of non-discretionary advisory relationships and discretionary separately managed accounts, supported by a centralized operational structure and multi-asset investment approaches.

Khiet Huynh is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 25 years of industry experience. His prior work includes roles at Citigroup Global Markets Inc., Merrill, and Banc of America Investment Services, Inc. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning and comprehensive asset management. The firm employs structured planning tools and offers diverse investment products and services.

Kanak Agarwal is a Vice President and Financial Consultant at Fidelity Investments, a role held since 2025. Kanak has been with Fidelity since 2021, initially serving as a Financial Consultant. Prior to joining Fidelity, Kanak worked as a Financial Solutions Advisor at Merrill Lynch from 2018 to 2021, and as an Investment Consultant at Scottrade from 2017 to 2018. Earlier, Kanak gained experience as a Personal Banker at Wells Fargo from 2012 to 2017. Kanak holds a California Insurance License. As a financial consultant, Kanak focuses on working closely with clients to understand their goals, concerns, and preferences in order to develop customized financial plans. Kanak emphasizes providing education, guidance, and maintaining ongoing personalized relationships with clients. Outside of work, Kanak enjoys cooking and baking, participating in family activities, outdoor adventures, and traveling.

James Morimoto is a Series 66-credentialed financial advisor with four years of industry experience. He is currently with Morgan Stanley Smith Barney LLC and previously worked at Schwarz Dygos Wheeler Investment Advisors. Outside of finance, he is involved with Arbiter Sports as a referee. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery, firm-approved tools, and modeling techniques such as Secular Return Estimates and Monte Carlo simulations.

Ken Zhang is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses. He has 24 years of industry experience, including prior roles at Scottrade and Bank of America. Outside of his advisory work, he is associated with The KP Living Trust. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Reed Sparling is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked as a contractor for Wells Fargo through Randstad and held positions at IEH Laboratories, Joey Kitchen, and the University of Washington. 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 services. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Daniel Beltran is a CFP®-certified financial advisor at LPL Financial with 21 years of industry experience. He has held roles at United Planners' Financial Services of America and Vitucci & Associates, among others. He is also involved in a non-variable insurance agency under the name Plantran Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and various institutional platforms, supporting advice through discretionary and non-discretionary strategies.

Cindy Gray is a financial advisor with Wells Fargo Clearing in San Jose, CA, holding a Series 66 credential and 21 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC from 2006 to 2011. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions.

Ian Mcintosh is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2005 in various capacities. Outside of his advisory work, he is involved with Fieldday Solutions, a business providing software applications for technical support groups. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm delivers these services through a centralized consulting team working alongside financial advisors, supported by algorithmic tools and oversight committees.

Karen Lam is a financial advisor with Wells Fargo Clearing in Cupertino, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously at Merrill from 2009 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a range of investment options, including insurance-related vehicles and bank deposit sweep programs, serving institutional clients with tailored plan-level advisory services.