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 at LPL Financial with 21 years of industry experience. She holds the Series 66 and Series 65 designations and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, and institutional organizations. The firm offers various financial planning and advisory programs supported by research and multiple management approaches.

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 a Series 66 credential and three years of industry experience. He has worked at Morgan Stanley since 2023, including a role at Morgan Stanley Private Bank, N.A. since 2025. His prior experience includes positions at First Republic Securities Company, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process utilizing firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

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 with LPL Financial in Novato, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Bank of America and Merrill, each for five years. Outside of his advisory work, he is also active as an artist and musician. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits. The firm offers a range of financial planning and advisory programs, employing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Qui Hua is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. She has been with J.P. Morgan Securities since 2012. 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 through a combination of advisory and brokerage capabilities.

Scott Poland is a financial advisor with Wells Fargo Clearing in El Cerrito, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Outside of his advisory role, he is involved in managing a rental property in Richmond, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ron Freund is a financial advisor with LPL Financial in Emeryville, CA, holding a Series 63 designation and over 42 years of industry experience. His prior experience includes nearly three decades with The Social Equity Group, as well as roles at Western International Securities, Inc. and Financial West Group. Freund also provides research services to The Social Equity Group, an independent registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Michael Rossi is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Francisco, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Raymond James since 2016 and previously spent one year with Wells Fargo Advisors. Rossi also serves as Chief Operating Officer for Elevon Wealth Management, a role he has held since 2016. 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, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and uses analytical tools like risk profiling and probability modeling to support client goals.

Bryan Matheney is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he has limited involvement in a real estate investment LLC formed to purchase property in Star, Idaho. 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 delivers recommendations on a non-discretionary basis and integrates institutional advisory capabilities with affiliated brokerage and investment management services.

Ethan Moberg is a financial advisor at Morgan Stanley in Oakland, CA, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and previously worked at Alo, Vuori, and Ritz-Carlton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Tim Everhart is a CFP® professional with 18 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2008. Outside of his advisory role, he owns a small e-commerce business selling sports cards. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Adam White is a financial advisor at Robert W. Baird & Co. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Baird since 2017, following prior roles at Eaton Vance Management and Eaton Vance Distributors, Inc. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Robert Emmer is a CFP® professional with 48 years of industry experience, currently affiliated with Raymond James Financial. He has worked at Silversage Advisors since 2020 and previously held roles at Geneos Wealth Management Inc. and Linsco Private Ledger (LPL). Emmer serves as an independent contractor financial advisor and planner at Silversage Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm uses analytical tools for tailored non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Justin Adams is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Raymond James & Associates since 2014. 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, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Yun Messina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and having one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, Messina worked at Rockefeller Financial and Sierra Pacific Financial. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.