Kenneth Friedman is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he is the sole owner of ZEGA Builders Inc., a real estate construction business focused on homebuilding. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Michael Krigel is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves on the Finance & Legacy committee of Congregation Kol Emeth, advising on charitable giving and related financial matters. 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 a structured, tool-based financial planning process without providing individual security recommendations in its standalone planning services.

Cary Koh is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of the Ting & Associates team. Since joining the firm in 2013, he has focused on building and strengthening client relationships to support their long-term financial success. He works closely with individuals and families to understand their goals, values, and priorities and to develop practical strategies for college education planning, family wealth management, retirement income, liquidity management, and portfolio management services. Before entering the financial industry, Cary was a concert violinist and professional conductor. He holds a bachelor's degree in music from the University of California, Berkeley, and a master's degree in violin performance from the Manhattan School of Music in New York City. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Cary is also fluent in English and Mandarin. Cary serves as Bank of America's Corporate Board Representative on the Board of Trustees for Cal Performances at UC Berkeley. He is a Past President of the Rotary Club of Burlingame & Hillsborough and was previously a Board Trustee of the Crowden Music Center in Berkeley. In his personal time, Cary enjoys golfing and playing chamber music.

Tyler Jones is a Series 66-licensed financial advisor with Morgan Stanley in San Mateo, CA, bringing four years of industry experience. Before joining Morgan Stanley in 2021, he worked at Citibank and Bank of America. Outside of his advisory role, he teaches mathematics fundamentals to students. Morgan Stanley Wealth Management is a large institution serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that integrates firm-approved tools and modeling techniques.

Michelle Ovalle is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Her prior work history includes roles at JPMorgan Chase Bank and First Republic Bank. 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 applying an ESG eligibility framework in its recommendations.

Avery Tully is a financial advisor at Morgan Stanley in Palo Alto, CA, holding a Series 66 credential with three years of industry experience. Prior to joining Morgan Stanley, Tully worked at Wells Fargo Clearing Services and has a background in technology firms including Persado and Drop. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 employs structured planning tools and methodologies to support client financial plans.

John Lamesajan is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Wells Fargo Clearing, Morgan Stanley, E*TRADE, Edward Jones, and JP Morgan. 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.

Thomas Quinby is a financial advisor at Ameriprise with 19 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones for eight years before joining Ameriprise in 2023. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, with an emphasis on assets held in Ameriprise-managed accounts and the use of algorithmic automation in generating recommendations.

Connor Mac Mitchell is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, he worked at Backblaze and has held teaching positions at the University of California, San Diego, Menlo School, and Tierra Linda Middle School. 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Tyler Needman is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, 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 tools such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Alexander Kahn is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving founders, senior technology executives, affluent families, and family offices. His practice focuses on delivering a family office-like experience characterized by trust, care, and integrity, working closely with clients to develop personalized financial strategies that clarify long-term financial roadmaps and emphasize risk mitigation, diversification, and tax-efficient liquidity management. Before joining Merrill Lynch, Alexander spent several years at UBS Wealth Management as an investment strategist. He has extensive experience evaluating both passive and active investment products to optimize returns on a risk-adjusted, net of fees, and after-tax basis, following methodologies used by leading endowments and institutional family offices. His expertise spans executive compensation, legacy planning, institutional consulting, portfolio management, and tax minimization. He coordinates closely with clients’ tax professionals and estate attorneys to support comprehensive wealth management. Alexander earned his bachelor’s degree from Indiana University and an MBA with distinction from the University of Michigan Ross School of Business. He holds the Personal Investment Advisor (PIA) designation and is registered with NMLS#1017512. Outside of his professional work, he resides in San Mateo Park with his wife and enjoys tennis, golf, traveling to unique global destinations, and spending time with family.

Erica Jang is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following a one-year tenure at UBS Financial Services. She is the sole proprietor of The Infinitum Group, a personal holding company involved in investment decision-making and advice. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning processes supported by firm-approved tools and provides advisory services without offering individual security recommendations as part of standalone planning.

David Tran is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at various Wells Fargo entities since 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party data to guide investment evaluations.

Charles Pollock is a financial advisor with Mass Mutual Investors Services and holds the ChFC® and Series 63 designations. He has 50 years of industry experience, including roles at MetLife Securities and MassMutual Life Insurance Company. Pollock is also involved in individual and group life and health insurance sales through Charles (Ted) Pollock Investment related activities. 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 provides financial planning, asset management, and educational seminars, with a focus on collaborative, goal-driven planning and multiple specialized service offerings.

Mary Hambly is a CFP® with 15 years of industry experience and has been with Edward Jones since 2010. She is based in Redwood City, CA, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management, offering a range of advisory programs and investment solutions through a nationwide network of over 23,700 financial advisors.

Daniel Di Lulo is a financial advisor at Morgan Stanley with 10 years of industry experience. He has been with Morgan Stanley since 2018 and previously worked at Merrill from 2015 to 2018. He holds the Series 66 designation. Outside of his advisory role, he is involved in property management as a partner in a rental property business. 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 firm-approved tools and methodologies.

Jolon Staubli is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2006 and joined Merrill Lynch in 2012. Prior to Merrill, Jolon worked as an institutional trader and financial advisor, gaining a broad range of experience within the financial sector. His expertise focuses on providing relationship-based advice to affluent clients regarding personal financial strategies and wealth management. This includes retirement planning, estate and tax planning in collaboration with clients' legal and accounting professionals, asset management, strategic lending through Bank of America, and managing liquidity events. He serves clients in areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, and personal retirement planning. Jolon holds a bachelor's degree in Economics and Business Administration with a concentration in Financial Services from Saint Mary's College of California. He is a Personal Investment Advisor (PIA) and is actively involved in the Greater San Carlos and Sacred Heart communities. Jolon lives in San Jose with his wife, Nicole, their daughter, and two sons. He enjoys spending time with his family through their schools and involvement in sports such as tennis and baseball.

Zhaolin Kang is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 designation and previously worked at JP Morgan Securities, JP Morgan Chase Bank, Bank of America, and Merrill. 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 range of investment options such as money market funds, collective investment trusts, mutual funds, group annuity contracts, and bank deposit sweep programs.

Deborah Freeman is a financial advisor at Thrivent Investment Management with eight years of industry experience. She holds the Series 66 designation and has been with Thrivent since 2017. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a wide range of topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Sonny Gulati is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances.