Christopher Coghlan is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Alexander Teodoro is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He previously worked at Morgan Stanley Dw Inc. before joining Linsco/Private Ledger Corp., where he has been affiliated since 2003. Outside of his advisory work, he is a certified SCUBA diving instructor with Marin Diving Center. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors using both proprietary and third-party strategies.

Gregory Nikolaieff is a financial advisor at Ameriprise in Novato, CA, holding a Series 66 designation with 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, personalized recommendations through a centralized consulting team.

Mark Hersman is a financial advisor at Charles Schwab with 36 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab and related entities since 2005, with prior roles at Growth Capital Services, Inc., Mazakali LLC, and Portman Enterprises LLC. 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 provides a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts with a multi-asset investment approach and centralized operational infrastructure.

Elizabeth Roberts is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 49 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Wells Fargo Clearing, and Citigroup Global Markets. Outside of her advisory work, she serves as an executor and co-trustee for her mother’s estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs. The firm’s approach includes tailored financial planning supported by proprietary tools and emphasizes advisory services alongside broader investment offerings.

Kenny Heller is a Financial Advisor with Merrill Lynch Wealth Management. He provides financial guidance tailored to clients' goals, priorities, and concerns, focusing on strategies for investing, retirement planning, liquidity needs, and managing unexpected events. Kenny connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions, adjusting strategies as clients' circumstances evolve. His areas of expertise include equity compensation services, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Kenny holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Justice Studies from San Jose State University. Outside of his professional work, Kenny enjoys adventure sports, biking, boating, fishing, gardening, hiking, photography, reading, skiing, and traveling.

Yvan Fung is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 12 years of experience in finance, including wealth management, loans, and real estate. Yvan works with a range of clients including individuals, families, small businesses, and large corporations, focusing on identifying and defining their financial goals and objectives to create customized wealth management strategies. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of California, Berkeley. Yvan emphasizes an interactive relationship with his clients to help them prioritize and pursue the financial goals that matter most to them. Outside of his professional work, Yvan is involved with community nonprofit organizations and regularly participates in youth programs in the Bay Area. He is connected with groups such as the Asian Youth Service committee, Cal Martial Art Program, and Wa Sung Community Service. Additionally, he contributes to martial arts events nationwide by managing and judging tournaments.

Tracy Murphy is the Regional Managing Director for the Pacific Northwest Region of Merrill Private Wealth Management, headquartered in San Francisco. In this role, she oversees the activities of more than 35 private wealth teams across thirteen cities. She focuses on optimizing the client experience by leading initiatives that address the complexities associated with significant wealth. Tracy fosters a collaborative and consultative culture that centers on the needs of ultra-high-net-worth clients, connecting individuals, couples, and families with advice and services that support their financial goals and legacies. She is also responsible for attracting and developing top advisory talent within her region, promoting an environment that values growth, creativity, and dedication. Tracy joined Merrill in 2000 and has progressively taken on increasing leadership roles. Her previous positions include Managing Director of the Venture Services Group, which provides operational support, transactional services, and strategic advice to company founders, venture capitalists, and private equity partners. She has also overseen the Wealth Management divisions in Northern California’s East Bay, as well as markets in Oregon and Southern California. Tracy earned her undergraduate degree from the University of Southern California. In addition to her professional responsibilities, Tracy is active in community organizations and is a member of Battery Powered, a group focused on supporting people and projects that strengthen society. Within Merrill, she serves on the Market Executive Strategy Council and has previously served on the Diversity and Inclusion Council. Tracy resides in Mill Valley, California, with her husband, Greg, and their two daughters.

Anagha Madrigal is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and bringing 21 years of industry experience. Her career includes prior roles at Fidelity and UBS Financial Services. She is based in San Rafael, CA. 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, model portfolios, third-party asset management, and institutional platforms, supporting advisors with various strategic and tactical investment options.

Dareal Harmon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at LPL Financial, BMO, J.P. Morgan, and First Republic, among others. Outside of finance, he is a business owner of several brands and works as a caregiver through in-home supportive services. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Patrick Mc Ginty is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023, including a role with Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company and First Republic Investment Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Benjamin Lam is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2016. Lam jointly owns several rental properties with his spouse, though he does not participate in their management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary asset allocation models and research to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management and provides a broad range of financial services including fee-based planning, portfolio management, and capital markets support.

Evan Bernardy is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill. Outside of his advisory role, he is also active as an artist and musician. 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 financial planning and investment management services, utilizing both in-house and third-party strategies across various investment approaches.

Qui Hua is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. Holding Series 63 and Series 65 licenses, Hua has worked at J.P. Morgan Securities since 2012 and has prior experience at Citigroup Global Markets from 2007 to 2009. 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. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team and includes capabilities in derivatives and commodities.

Scott Poland is a financial advisor with Wells Fargo Clearing in El Cerrito, CA, holding Series 63 and Series 66 licenses and over 22 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously held positions at Wells Fargo Investments and Cetera Investment Services. 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 and offers both brokerage and advisory solutions backed by research from Wells Fargo Investment Institute and third-party sources.

Ron Freund is a financial advisor with LPL Financial, holding a Series 63 license and over 42 years of industry experience. His career includes long tenures at The Social Equity Group, Inc., Financial West Group, and Western International Securities, Inc. He also provides research services to The Social Equity Group, an independent investment advisor firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Michael Rossi is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Francisco, CA, holding a Series 66 designation with 11 years of industry experience. He also serves as Chief Operating Officer at Elevon Wealth Management, a role he has held alongside his advisory activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutions. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Bryan Matheney is a financial advisor with J.P. Morgan Securities in Berkeley, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also maintains a role at JPMorgan Chase Bank. Outside of advisory work, he has limited involvement in a few family real estate ventures. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, supporting recommendations that may include ESG considerations.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

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.