Kandace Lesher is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Morgan Stanley Smith Barney LLC for 11 years. Lesher is employed by both JPMorgan Securities and JPMorgan Bank, allowing her to offer a range of bank products and services in addition to investment advice. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with clients retaining final decision-making authority.

Daniel Dana Jackson IV is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and having 32 years of industry experience. His career includes roles at Citigroup Global Markets from 1994 to 2009 and Morgan Stanley Smith Barney since 2009, continuing with Morgan Stanley Private Bank since 2015. Outside his advisory work, he serves on the advisory board for the Krach Institute for Tech Diplomacy and holds a position on the investment committee of the Bohemian Club. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes tailored financial planning supported by structured discovery conversations and proprietary planning tools.

Joseph Huhn is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 41 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He is based in San Francisco, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutions, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and analyses, acting primarily in an advisory capacity.

Stephanie Mccann is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America since 2015. Outside of her advisory role, she serves as a committee member for the Fred Hutchinson Cancer Research Center’s Innovator’s Network, focusing on fundraising and education efforts in the Bay Area. 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, plans, corporations, and charitable organizations.

Marcus Alphin is the Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he provides guidance and ongoing coaching to associates with the aim of maximizing their potential and ensuring the delivery of a client experience that meets Fidelity's Standard of Care. Marcus has extensive experience in the financial services industry, having served as an Affluent Business Leader at Wells Fargo Advisors, LLC from 2010 to 2023. He holds a California Insurance License. Outside of his professional responsibilities, Marcus enjoys spending time at the beach, golfing, skiing, surfing, traveling, and volunteering.

Avel Elizondo is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked with Bank of America and First Command in various advisory roles. Outside of his advisory work, he co-owns a rental property and manages bi-monthly inspections and repairs. 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.

Eric Benz is a CFP® and holds the Series 66 license, currently serving as a financial advisor at UBS Financial Services in San Francisco, CA. He has 13 years of industry experience, including 11 years with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocation.

George Buck is a financial advisor with Raymond James Financial in San Francisco, CA, holding Series 63 and Series 66 credentials and bringing 47 years of industry experience. He has been with Raymond James Financial Services since 1999 and Raymond James Financial since 2009. Outside of his advisory work, Buck serves as an independent contractor financial advisor for Elevon Wealth Management and is a board member involved in decision-making for a rental real estate property. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and analytical tools, supports extensive advisory programs, and uniquely maintains a municipal advisor affiliation to enhance its public finance work.

Wilson Hu is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. His prior work includes roles at Equitable Advisers, J.P. Morgan Securities, and Phaidon International. Outside of financial advising, he has worked in customer service and sales at Luxottica for ten years. 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 focused on tailored financial planning, using structured discovery processes and firm-approved planning tools.

Brian Asher is a financial advisor with Morgan Stanley in Richmond, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior work includes roles at Citigroup Global Markets and various divisions of Morgan Stanley, where he has been since 2007. He also serves as a trustee in a trust-related capacity. 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 customized financial planning supported by firm-approved tools and methodologies.

Christopher Owen is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 16 years of industry experience, all with LPL Financial since 2010. Owen is also the owner and broker of JSF Benefits Inc., an insurance agency focused on group and individual life, health, and disability insurance. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Emma Taylor is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds a Series 63 designation and has previously worked at Charles Schwab for 14 years before joining Wells Fargo in 2016. 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 combines in-house research with third-party analytics to support its investment selections and portfolio strategies.

Ruggero Borletti is a Private Wealth Manager at Merrill Private Wealth Management, a role he has held since joining Merrill in 2017. He has been engaged in the financial services industry since 1989. Ruggero's experience covers working with ultra-affluent clients both domestically and internationally, particularly those undergoing wealth transformations such as business sales. His expertise includes college education planning, executive compensation, family wealth management strategies, international wealth management, legacy planning, managing new wealth, philanthropic planning, women and wealth, tax minimization, and retirement income. Prior to Merrill, he worked in the Private Wealth Management divisions of UBS and Morgan Stanley, and began his career in corporate finance at NM Rothschild & Sons in London. He earned a Bachelor of Arts degree in Economics from Brown University in 1988 and holds the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute, earned in 2019. Ruggero is fluent in English and Italian, has working knowledge of Spanish and French, and resides in Arizona. His personal interests include biking, cooking, hiking, running, scuba diving, skiing, tennis, traveling, and yoga. He has lived and worked in multiple countries, including Switzerland, the UK, and Kenya, and has five children.

Anthony Zeller is a financial advisor at Charles Schwab in San Francisco, CA, holding a Series 66 designation with 24 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2007. Outside of his advising role, he participates as a diver in search and recovery operations with the Alameda County Sheriff's Office Dive Team. Charles Schwab 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 both non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Henry Sutro is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Stifel Financial and Charles Schwab. He also has a background in education from Santa Clara University and Sir Francis Drake High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced planning tools to support its clients.

Cathy Kosley is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. Her career includes ten years at Citigroup Global Markets and over a decade at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional offerings with additional activities such as principal trading and relationships with private funds.

David Cohen is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Wells Fargo since 2016 and previously at Prudential Equity Group, LLC from 1997 to 2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines research and analytics with diversified investment evaluation and offers both brokerage and advisory solutions through a large network of advisors.

Thomas Nowrouzi is a Financial Consultant currently working at Fidelity Investments. In this role, he focuses on understanding clients' goals to help build a clear path toward financial security. He has experience in various financial roles, including serving as an Investment Consultant at Fidelity Investments from 2020 to 2023 and as a Financial Advisor at Edward Jones from 2018 to 2020. His areas of expertise include planning for retirement, investment strategies, and navigating complex financial decisions. Thomas holds a California Insurance License. Outside of his professional work, he has interests in cooking and baking, fitness, food, outdoor adventures, snowboarding, and traveling.

Riley Gabriel Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing and implementing long-term investing plans tailored to the specific goals of his clients. His work focuses on delivering practical and personalized advice through a goals-based approach, leveraging the resources available at Merrill to help families and businesses achieve financial confidence. Riley and his team assist clients in areas including education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He emphasizes a deep understanding of each client's goals, priorities, and approach to work and life to provide guidance that aims to bring clients closer to their financial milestones. Riley holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's and Master's degrees from Northern Arizona University and is a member of the Northern Arizona University Alumni Association. Outside of his professional commitments, Riley enjoys hiking, music, running, swimming, and tennis, and values spending time with his family.

Robert Winder is a financial advisor at Equitable Advisors with a Series 66 credential and three years of industry experience. Prior to his advisory role, he worked at Heroes Bar and Grill and B&K Painting. 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 various asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.