Lucille Denos is a financial advisor with UBS Financial Services in San Mateo, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes tenure at Morgan Stanley and Citigroup Global Markets prior to joining UBS in 2010. Outside of her advisory work, she has experience working as a backup cashier at Costco. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, integrating proprietary research and model-based asset allocation to tailor plans to client goals. The firm combines institutional trading capabilities with wealth management services, offering fiduciary financial planning alongside capital markets and proprietary research.

Matthew Murrer is a Senior Financial Advisor at Merrill Lynch Wealth Management, operating as part of Luciano & Associates, a team focused on serving a select group of ultra-high-net-worth clients primarily in Silicon Valley. Working alongside Managing Director Paul Luciano, Matthew provides personalized wealth management services that address complex financial situations for entrepreneurs and families. His role encompasses client meetings, financial proposal development, and delivering strategic advice tailored to individual client priorities. Matthew specializes in areas including education planning, executive and equity compensation, family and international wealth management, liquidity and portfolio management, tax minimization, philanthropic planning, and retirement planning. Drawing on his early financial education and prior experience as a Financial Analyst at Applied Materials, he emphasizes helping clients make informed, thoughtful financial decisions free from emotional bias. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor’s degree from the College of the Holy Cross. Fluent in English and Spanish, Matthew integrates his analytical skills and market knowledge to support his clients’ long-term financial goals. Beyond his professional duties, Matthew is actively involved in community and philanthropic efforts. He participates in fundraising for the Juvenile Diabetes Research Foundation (JDRF), an organization aligned with his personal experience living with Type 1 Diabetes. He also contributes time to Loaves & Fishes and engages in local holiday outreach activities. In his personal time, Matthew enjoys adventure and fitness activities such as snowboarding, surfing, Brazilian Jiu Jitsu, meditation, traveling, and cooking.

Evan Crawford is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 designation and 13 years of industry experience. He has been associated with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized financial planning and investment strategies.

Justin Skelton is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently affiliated with LPL Financial and has previously worked with Minnesota Life Insurance Co. and Securian Financial Services. Outside of his advisory role, he is involved as an insurance agent and holds employment unrelated to investment services. 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 financial planning and investment management services supported by a large network of advisors and a variety of advisory platforms.

Daniel Peterson II is a financial advisor with Merrill in Palo Alto, CA, holding a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked in educational roles at San Jose State University and Palma Highschool. He serves as a board member for the Sigma Nu Fraternity Alumni Association, where he participates in organizing alumni and student events. 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.

Kristy Takacs is a Planning Consultant at Fidelity Investments, where she focuses on building relationships with clients and their families to maintain accurate and current financial plans. Since joining Fidelity in 2019, she has held roles including Financial Representative and Relationship Manager before assuming her current position in 2020. Kristy's professional experience encompasses financial planning and client relationship management within Fidelity Investments. She holds a California Insurance License, supporting her work in financial services. Outside of her professional role, Kristy enjoys activities such as camping, attending concerts, exploring culinary experiences, spending time at the lake, listening to music, and practicing Pilates.

Michael McGibben is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Stifel, Nicolaus & Company prior to joining Morgan Stanley in 2024. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Tuyetanh Tran is a financial advisor with J.P. Morgan Securities based in Newark, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. Her work history includes roles at J.P. Morgan Securities since 2018 and Chase Investment Services Corp from 2011 to 2018. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process integrates quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities through related affiliates.

Matthew Atkins is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has worked across various J.P. Morgan entities since 2015, including JPMorgan Chase Bank and JPMorgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes access to derivatives and commodities capabilities.

Brent Kuhne is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at firms including First Republic Investment Management, First Republic Securities, and UBS Financial Services. His background also includes roles with the City of Milpitas, Levi's Stadium, and San Francisco State University. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and integrates structured planning tools and investment models in its advisory approach.

Kingston Thai Ngo is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining J.P. Morgan Securities, he worked at JPMorgan Chase Bank, First Republic Bank, Bank of America, and Ghirardeli Chocolate Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative analysis.

Boris Melamud is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. He is based in Palo Alto, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Plato Wang is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Bank of America, Fidelity Investments, and Merrill. Outside of his advisory role, he manages a small online business selling used books via Amazon. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lance Buckeldee is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its affiliates since 2008, including over a decade at Morgan Stanley Private Bank, N.A. based in Palo Alto, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Mark Gillelen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 37 years of industry experience. His prior work includes roles at First Allied Advisory Services, Morgan Stanley, and Banc of America Investment Services. He serves as President of The Eva and John Ross Foundation, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and asset management options and supports its advisors with advanced research and operational tools.

Estanislao Saenz is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in guiding families and entrepreneurs through critical financial transitions, including employment changes, retirement, business protection, expansion, and sales. Estanislao and her team develop tailored wealth management strategies aimed at enhancing growth and promoting financial security, with a focus on client-centered service. Her areas of expertise include family wealth management, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Estanislao holds a Bachelor's Degree from New Mexico State University and maintains the Personal Investment Advisor (PIA) designation. She communicates fluently in both Spanish and English. As a naturalized immigrant and a mother of two, Estanislao emphasizes the importance of being present and prepared, striving to provide her clients with confidence and trustworthy guidance during life’s financial challenges. In her personal time, she enjoys running, traveling, and spending time with her family.

Peter Morris is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He worked at Lincoln Financial Advisors Corporation for 47 years before joining Osaic in 2025. Morris offers fixed annuity products through Osaic Wealth and Crump where appropriate to clients. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through a range of programs featuring model-based asset allocation, portfolio optimization, and multiple investment strategy options.

Simon Hall is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2026, he was with Fidelity Investments. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans and portfolio management to client goals and risk tolerances.

Jeffrey Chun is a financial advisor at Osaic with 26 years of experience in the industry. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors for 24 years before joining Osaic in 2025. In addition to his advisory role, Chun offers various insurance products including accident and health, disability insurance, and fixed/indexed annuities. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, providing both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and offers a range of managed portfolio options and third-party manager programs.

Kevin Wolfe is a financial advisor with Morgan Stanley in Burlingame, CA, holding a Series 66 designation and with 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and structured processes without providing individual security recommendations as part of standalone financial planning.