Kristen Lybrand is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2020, with prior roles at RBC Capital Markets, Bank of America, Coach, Tapestry, and Office Depot. 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.

Michael Gorton is a financial advisor at Wells Fargo Clearing with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mila Coffey is a CFP® and PFS™ with 29 years of experience in financial advisory and tax services. She is currently with Cetera and has held roles at multiple related firms since 1997, including Avantax and PH Tax & Wealth Solutions, CPAs, Inc. Outside of her advisory work, she serves on the board of the Contra Costa College Foundation and volunteers as an ambassador for the East Bay Regional Park District. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that allows advisors to implement a range of portfolio strategies across discretionary and non-discretionary program structures.

Matthew Walker is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Joseph Galbraith is a financial advisor at UBS Financial Services in San Mateo, CA, with 15 years of industry experience. He holds the Series 66 designation and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.

Anthony Trias is a financial advisor with Equitable Advisors in San Rafael, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. His prior roles include positions at PRUCO Securities, TIAA-CREF, and Cullen Financial Advisors. He serves on the executive committee of Provisors, a professional networking group. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client risk tolerance to match them with appropriate advisory programs, including third-party model portfolios and discretionary management.

Henry Choi is a CFP® and holds a Series 66 license with nine years of industry experience. He is currently with Edward Jones in Novato, CA, having joined the firm in 2025. Prior to Edward Jones, he worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. for a combined nine years and has earlier experience at Artech Information Systems. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad spectrum, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large national network of financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Suzette Callejo is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds Series 63 and Series 66 designations and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Douglas Robbins is a financial advisor with UBS Financial Services in Mill Valley, CA, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has worked at UBS since 1993. Outside of his advisory role, he is a partner in TAM COVE LLC, which owns a sailboat. UBS Financial Services serves individual, corporate, and institutional clients, 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 in its advisory work.

Yeison Mazariegos Barrios is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Chase. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research and quantitative analysis to construct algorithmic model portfolios across mutual funds, ETFs, and ETPs.

Paulo Moraes is a financial advisor with LPL Financial in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His prior roles include positions at Merrill, Banc of America Investment Services, and Morgan Stanley. He is involved in an outside business under the name Moraes & Cassidy Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and institutional platforms, supported by both proprietary and third-party investment strategies.

River Kisler is a financial advisor at UBS Financial Services with less than one year of industry experience. He holds a Series 66 designation and has prior work experience at Ideaship and Santa Clara University. His background also includes a five-year tenure at Finnriver Cidery. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management and offers services such as discretionary portfolio management, mutual fund distribution, and securities-backed lending.

Shubie Gulati is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Rachel Abdel Hamid is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the ROK Advisory Group, she has developed client relationships focused on customized insurance, estate, and wealth management planning strategies. Rachel arrived at Merrill Lynch in 2006, following her role as an event coordinator for a boutique real estate company in Los Angeles. Over the past 16 years, she has worked within Compliance and Management before transitioning to her current advisory role. Rachel holds a Bachelor's Degree from California State University and has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. She also holds the Chartered Retirement Planning Counselor™ (CRPC) designation and the Personal Investment Advisor (PIA) credential. She is an active member of the Financial Planning Association. Beyond her professional duties, Rachel is involved with the Glenwood School Foundation. In her free time, she enjoys hiking near her home in San Rafael with her husband Sherif and their two children.

Lee Cohen is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 28 years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Chad Merschat is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2021. 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 employs a structured process utilizing firm-approved tools and economic modeling to support financial planning.

Kenneth Sorensen is a financial advisor with Morgan Stanley in San Rafael, California, holding a Series 63 designation and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Wells Fargo Advisors LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved planning tools and expert committee input.

Jin Cheng Wu is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at JPMorgan Chase Bank and JP Morgan Securities LLC. He serves clients from Richmond, CA. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Cameron is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing and its related entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stacie Giddings is a financial advisor with Charles Schwab & Co., Inc. and holds Series 63 and Series 65 licenses. She has 18 years of industry experience and has previously worked with firms including Guardian Wealth Advisors, Perigon Wealth Management, and TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers centralized custody and order-routing services.