Mart Oller V is a financial advisor at Morgan Stanley with one year of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley, he worked at Geodnet, Syon Capital, and Equinix, and completed his education at Santa Clara University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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 employs structured planning tools as part of its process.

Allan Herzog is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 licenses and 56 years of industry experience. He previously worked at Prudential Equity Group, LLC from 1997 to 2003 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he has part ownership in Fernbacher-Herzog-Zeigler LLC, a non-investment-related business. 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 combines proprietary research and third-party analytics to provide diversified investment solutions and operates at scale with over 14,000 advisors and approximately $671 billion in assets under management.

Jennifer Aguirre is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and three years of industry experience. Her background includes roles at JPMorgan Chase Bank and various positions related to the University of Southern California and Deloitte. J.P. Morgan Securities provides institutional consulting services focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process uses centralized due diligence combining quantitative and qualitative research to build model asset allocations, with recommendations that may include an ESG eligibility framework.

Alfred Alden is a financial advisor at Merrill with 16 years of industry experience and holds a Series 66 designation. He has worked at Merrill and Bank of America in multiple roles since 2008 and was self-employed and involved in extended travel between 2018 and 2021. Outside of advising, he serves as an executor for a family fiduciary role. 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.

Yuanning Hu is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Their work history includes roles at Bank of America N.A. since 2024 and Merrill since 2018. Outside of finance, Hu has experience in the restaurant industry, having worked at Coco's Ramen and Sushi Raw Restaurant. 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 a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Holly Gedeon is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Michael Mccormack is a financial advisor at Osaic Wealth with 37 years of industry experience. He holds the Series 63 designation and previously worked at Lincoln Financial Advisors Corporation for 27 years. Outside of his advisory role, Mccormack is involved in property management through his ownership of a real estate management LLC and also offers insurance and life settlement services. Osaic Wealth serves a broad range of retail and institutional clients with both brokerage and advisory services, utilizing a model-based asset allocation approach and a multi-advisor platform delivering comprehensive financial planning and investment management solutions.

Tim Everhart is a CFP® professional with 18 years of industry experience, currently affiliated with J.P. Morgan Securities. He has been with J.P. Morgan since 2012 and has a background at JPMorgan Chase Bank dating back to 2008. Outside of his advisory role, he is involved in an e-commerce business selling sports cards. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm integrates quantitative and qualitative research supported by a manager solutions team and includes ESG considerations in its recommendations.

Daniel Price is a CFA® charterholder with 24 years of industry experience. He has been with Edward Jones since 2026 and previously worked at Natixis Advisors, LLC for 19 years. Daniel is based in San Francisco, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristin Boettger is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 2000. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Armand Brandt is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 license and five years of industry experience. He previously worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC, among other firms. 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 financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Samuel Martinez is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior experience includes roles at Bank of America, Wells Fargo, J.P. Morgan Securities, and Citi, as well as positions with professional baseball organizations such as the San Jose Giants and Oakland Athletics. 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.

Catherine Deane Gong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. Her background includes roles at TD Ameritrade and Charles Schwab Bank, with prior involvement in community and athletic organizations such as the Guadalupe-Nipomo Dunes Center and Cal Poly Athletics. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Brianna Reyes is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and with 11 years of industry experience. She has been with Morgan Stanley since 2013. 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 uses structured planning tools and models to support its planning process.

Arnold Tang is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2013, including his current role starting in 2023. Tang also operates UBF Consulting, which refers companies interested in employee benefits, and sells fixed insurance products such as life, health, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Nicholas Thompson is a financial advisor at Edward Jones in San Francisco, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at AB InBev and Premium Retail Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Jack Eckenrode is a financial advisor at Morgan Stanley in San Francisco, holding a Series 65 designation. He has one year of industry experience, including two years at CLG Wealth Management and four years at the University of California, Los Angeles. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Naing Lin is a CFP® and holds a Series 66 license, with seven years of experience in the financial services industry. He has worked at RBC Capital Markets since 2023 and previously held roles at First Republic Investment Management, Merrill, and Bank of America. His background also includes time at the University of California, Berkeley. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs with both discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

Benjamin Pryden is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Wells Fargo since 2008, including 10 years at Wells Fargo Clearing. Outside of his advisory role, he serves as a resident manager for Ham Delles Company Inc. and is a member of the audit committee for Petaluma Ecumenical Properties Housing. 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, employing a research-driven approach that incorporates diversification principles and modern portfolio theory.

Victoria Hargrove is a financial advisor at UBS Financial Services with 38 years of industry experience. She has held roles at Morgan Stanley and Citigroup Global Markets before joining UBS in 2015. Hargrove holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.