Margaret Angelica Nagel is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with five years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling in its financial planning process.

Jason Schlesinger is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 28 years of industry experience. He previously worked at UBS Financial Services and Robert W. Baird. Outside of his advisory role, Schlesinger serves on the board of Take Me to the River, a nonprofit developing music education programs for public schools, and is involved with Make-A-Wish Bay Area and The Better Angels Society, participating in financial oversight and audit committees. 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, and charitable organizations, offering tailored, primarily non-discretionary financial planning and investment consulting supported by a broad range of portfolio management styles and affiliated research.

Maya Gervis is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial, Bacwest Investment Services, and BMO Bank, N.A. Her current roles at Morgan Stanley include positions with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a broad 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 provides structured financial planning supported by firm-approved tools and modeling techniques.

Briana Meyer is an advisor at LPL Financial with a Series 66 designation and one year of industry experience. Her background includes roles at Horowitz Wealth Advisors and extensive experience at The Beachbody Company, LLC as well as NFL Media. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and brokerage solutions with access to model portfolios, research, and various management options.

Richard Lopez is a financial advisor at Charles Schwab with Series 66 credentials and experience in the financial services industry beginning in 2023. His prior roles include positions at JP Morgan Chase and First Republic Bank. Outside of finance, he has experience working in community services and the hospitality industry. Charles Schwab & Co., Inc. serves a large client base, 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 a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset portfolios and a formal alternative-investment evaluation process.

Erin Adams is a Series 66-licensed financial advisor at UBS Financial Services in San Francisco, CA, with one year of industry experience. Prior to joining UBS, she worked at Ameriprise Financial and has a background that includes time at Wittenberg University and Beaumont School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Sean Livingston is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at JPMorgan Chase Bank and J.P. Morgan Securities Inc. since 2009. Outside of his advisory role, he serves as a successor trustee and durable power of attorney for a family trust. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and capital markets services.

Victoria Var Heibak is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she held various roles including positions at Pizza Antica and San Diego State University. 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.

Henrik Nielsen is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America for 21 years before joining Wells Fargo in 2020. Outside of his advisory role, he serves in various leadership positions overseeing family investment interests and development projects in Denmark. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and includes a broad range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Ching Pong Vicman Ho is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2018. Prior to that, he spent nearly two decades at Charles Schwab in various roles. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Michael Raissis is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services and Oppenheimer. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2021. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by an in-house manager solutions team and centralized due diligence.

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 previously worked at J.P. Morgan Securities, First Republic Investment Management, First Republic Securities Company, and Oppenheimer. She took a one-year sabbatical before joining Merrill in 2025. 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 supported by internal and third-party managers for a variety of clients, including individuals, high-net-worth clients, and institutions.

Maria Irene Townsend is a financial advisor with J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 66 registrations. She has 18 years of industry experience, including 23 years at Citi before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. 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.

Andrew Bonelli is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked at various JPMorgan entities since 2017. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

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, and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by extensive research and a range of portfolio management options.

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.