Michael Raissis is a Series 66-registered financial advisor with 18 years of industry experience. He is currently with J.P. Morgan Securities in San Francisco, where he has worked since 2019, following prior roles at Oppenheimer, UBS Financial Services, Harrisdirect LLC, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, incorporating ESG considerations and broader derivatives and commodities capabilities.

Jeffrey Chow is a CFP® with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2023. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2009 to 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both non-discretionary and discretionary options, with a broader investment menu that incorporates insurance-related vehicles and bank deposit sweep options.

Cynthia Serbia is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, First Republic Investment Management, Oppenheimer, Bancwest Investment Services, and Charles Schwab. Cynthia took a one-year sabbatical before joining Merrill in 2025. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Maria Irene Townsend is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining J.P. Morgan in 2026, she worked at Citi for 23 years. 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 advisory framework.

Andrew Bonelli is a financial advisor with J.P. Morgan Securities in San Francisco, CA. He holds Series 63 and Series 65 licenses and has eight years of industry experience, all with JPMorgan firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Connie Cheng is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Enoch Lee is a financial advisor at UBS Financial Services in San Francisco, holding a Series 66 designation with two years of industry experience. He previously worked at UBS AG Hong Kong Branch for five years and Bank of China Group Investment for six years. Outside of his advisory role, he serves as proprietor and chairman of Sunny Team Development Limited, a holding company of personal assets. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor client portfolios.

Michael Ariyoshi is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, Morgan Stanley, and Citigroup Global Markets. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Andre Coudsi is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2018 and previously spent nine years with First Financial Equity Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and combines extensive retail and institutional capabilities with specialized financial planning services.

Reza Golchini is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America, N.A. and Merrill since 2016. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Fabian John is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, following a prior role at Morgan Stanley Smith Barney LLC beginning in 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that incorporate modeling techniques such as Monte Carlo simulations.

Daniel Cristiano is a CFA® charterholder and registered financial advisor with five years of industry experience, currently with J.P. Morgan Securities in San Francisco. His background includes service in the United States Marine Corps from 2013 to 2017 and further studies at the Naval Postgraduate School. He has been with JPMorgan entities since 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model allocations, incorporating ESG criteria and broader derivatives and commodities capabilities.

Madeleine Odenweller is a financial advisor at UBS Financial Services with three years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Truist Advisory Services and Truist Investment Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, operating as both a broker-dealer and investment adviser.

William Knox is a Series 66-credentialed financial advisor with Morgan Stanley in San Francisco, CA, with four years of industry experience. Prior to joining Morgan Stanley in 2022, he held roles at PNC Bank and worked at the University of Cincinnati in various capacities. 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 delivers services both directly and through corporate financial planning agreements.

Dana Tom is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 66 licenses. Based in San Francisco, CA, he operates within a large institutional firm. 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. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning supported by firm-approved tools and methodologies.

Michelle Alberda is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. She has worked with Ameriprise Financial Service, LLC since 1999 and Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of her advisory role, she is a member and manager of Good Directions LLC, a boat rental and charter business in Carolina Beach, NC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory oversight to deliver tailored retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

Michael Morrone is a financial advisor with J.P. Morgan Securities in Mill Valley, CA, holding a Series 66 designation and five years of industry experience. His career includes roles at First Republic Investment Management, Wells Fargo Clearing Services, and Wells Fargo Bank. Outside of his advisory work, he is a passive owner and partner of Longwood Holdco, LLC, a holding company that owns a car wash. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Darren Wollrich is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, National Association and Morgan Stanley since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including Monte Carlo simulations and Secular Return Estimates.

Nicole Nixon is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Sharam Pavri is a Financial Advisor at Merrill Lynch Wealth Management. He serves a select group of clients including technology professionals, founders, and business owners, focusing on areas such as college education planning, executive compensation, family wealth management strategies, and personal retirement planning. Sharam applies an analytics-driven process to design customized asset and liability strategies aimed at providing clarity and structure for his clients' financial goals. He holds professional designations including Certified Trust and Fiduciary Advisor (CTFA), Personal Investment Advisor (PIA), and Certified Financial Planner (CFP). Sharam earned a Bachelor's degree from the University of Toronto and a Master of Business Administration from the University of Newfoundland. He is fluent in Persian, Hindi, and English. Beyond his professional work, Sharam enjoys Northern California's outdoors with his family, engaging in activities such as swimming, sailing, hiking, basketball, boating, rock climbing, running, music, traveling, and volleyball. He is also involved with community organizations including Forbes Marshall Canada Inc., JP Morgan Chase & Co. - Bay Area Leadership Council, and uAspire.