Undralyn Williams Reed is a financial advisor at Charles Schwab with four years of industry experience. She holds a Series 66 designation and previously worked at TIAA Kaspick from 2013 to 2022. Reed is based in Oakland, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Nicholas Denicke is a financial advisor at RBC Capital Markets with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at 280 Securities LLC and BOK Financial Securities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers customizable advisory programs with discretionary and non-discretionary portfolio management, utilizing a combination of in-house and third-party investment managers.

Adalberto Fuentes is a financial advisor with Merrill in San Francisco, CA, holding Series 65 and Series 63 licenses and having 10 years of industry experience. He has worked at both Merrill and Bank of America, N.A. since 2015 and 2016 respectively. Fuentes serves as an advisory board member for St. Anne of the Sunset Church, a charitable organization, where he contributes to discussions on capital projects and cost management. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Katia Kandah is a financial advisor with Raymond James & Associates in San Francisco, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, she held roles at Target and was involved in education at San Jose State University and Prospect High School. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension and profit-sharing plans, charitable organizations, and government entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Allen Lu is a financial advisor with Cetera based in San Francisco, CA, holding the Series 63 and Series 66 designations and bringing 24 years of industry experience. His prior experience includes roles at East West Bank, TD Ameritrade, and Scottrade. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a mix of discretionary and non-discretionary authorities.

Tristan Kao is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation. He has less than one year of industry experience, with prior roles at Equitable Advisors, Global Key Advisors, and McKenzie Adams. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that utilizes firm-approved tools and modeling techniques.

Ian Goertz is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Investments and Morgan Stanley & Co. LLC. He is based in Corte Madera, California. 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 both brokerage and advisory solutions.

Erekle Chanturia is a financial advisor with Wells Fargo Clearing in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has also worked at Wells Fargo Bank NA since 2013. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Evan Rosenberg is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2013 and MORGAN STANLEY SMITH BARNEY llc since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning with tools like Monte Carlo simulations and input from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets.

Bich Nguyen is a financial advisor with Charles Schwab in San Francisco, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. She has been with Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2017, following one year at Bank of America. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management options supported by multi-asset model portfolios and centralized operational infrastructure.

Bethany Jenkins is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alisan Martin is a financial advisor with Morgan Stanley in San Francisco, holding Series 66 and Series 63 licenses and 20 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2016, currently working within Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Tatiana Belaya is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 66 designations and having 11 years of industry experience. She has been with Morgan Stanley Private Bank and Morgan Stanley since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and corporate financial planning agreements.

Sherry Roozrokh is a financial advisor with Wells Fargo Clearing in Corte Madera, CA, holding Series 65 and Series 66 registrations and bringing 24 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she is involved in designing and implementing low volume retail clothing through a business she co-owns with her spouse. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory while providing brokerage and advisory solutions.

Michael Cerniga is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that help clients pursue their financial goals, including family wealth management, managing new wealth, personal retirement planning, portfolio management, and serving clients in sports and entertainment as well as women and wealth sectors. Michael holds an Associate's Degree from Moorpark College and is a Personal Investment Advisor (PIA). His approach centers on understanding each client's full financial picture to create flexible strategies aligned with their priorities and changing market conditions. He emphasizes trust and aims to be a reliable advisor dedicated to his clients' and their families' best interests. Outside of his professional role, Michael enjoys football, golfing, hiking, photography, pickleball, spending time with his family, and traveling.

Ryan Mahoney is a financial advisor at UBS Financial Services with a Series 66 designation and experience in the legal sector prior to entering the financial industry. He has worked at several law firms, including Fairfield and Woods, P.C., Davis Graham and Stubbs LLP, Dorsey and Whitney LLP, and Day Carter and Murphy LLP. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Nancy Barrett is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has worked at Bank of America, Merrill, and AllianceBernstein. Outside of her advisory role, she serves on the advisory board of the Fashion Incubator of San Francisco, a nonprofit that supports small businesses. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients through a range of offerings including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory solutions supported by proprietary research and model-based asset allocations.

Matthew Wang is a financial advisor with Equitable Advisors in San Francisco, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Axa Advisors and involvement in the restaurant industry. Outside of advising, he has a health insurance-related business activity with Kaiser. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs that utilize both proprietary and third-party solutions.

David Abril O'Brien is a financial advisor with Morgan Stanley based in San Francisco, CA. He holds Series 63 and Series 66 designations and has 15 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at Extract Capital Advisors for three years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with 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 a structured planning process supported by firm-approved tools and market simulations.

Shaojun Fu is a financial advisor at Morgan Stanley in San Francisco, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2023, Shaojun spent seven years at Ding, Sun & Huang Law Office. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.