Stephen Davalos is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Teuta Morina is a financial advisor with LPL Financial in Larkspur, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, she is involved in an import-export business called Euro Mushrooms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management along with model portfolios and research support.

Sherine Ta is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase Bank and JPMORGAN Securities. Outside of her advisory role, she provides in-home supportive services as a caregiver for a family member. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

William Dickens is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Dickens holds Series 63 and Series 65 licenses and is based in San Francisco, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm employs a structured planning process using proprietary tools and offers investment management alongside corporate and estate planning services.

Andrew Winchester is a financial advisor with Morgan Stanley in San Francisco, holding Series 65 and Series 63 licenses and with 24 years of industry experience. His prior roles include positions at JPMorgan Securities LLC and Wells Fargo Advisors, among others. He serves on the board of the Wolf Museum of Exploration and Innovation in Santa Barbara, California, where he is involved in fundraising and capital campaign committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured tools and investment modeling.

Jeffrey Wells is a financial advisor at Stifel with 42 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Stifel Nicolaus & Co. Inc. in 2020, he worked at Bank of America, N.A. from 2013 to 2020. Outside of his advisory role, he owns and manages the Austin-Marie Collection, a historical guitar collection that includes a book set, posters, and audio tracks. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Brendan McGrath is a financial advisor with Equitable Advisors in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Equitable Advisors since 2013 and was previously affiliated with AXA-Advisors, LLC. Outside of his advisory role, he is involved as a managing member of Affordable Luxury Rentals - ABC, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

William Benner is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2013, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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 and firm-approved tools, managing approximately $2.74 trillion in client assets.

Paul Lefebvre Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held roles at Bank of America and Merrill Lynch from 2011 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary 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.

Elizabeth Sackett is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 designations and with 30 years of industry experience. She has been with UBS since 1993. 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 investment plans.

Robert Sutton is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. He is based in San Francisco, CA. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through employer agreements.

Bruce Mcmillan is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors from 2013 to 2016. Outside of his advisory role, he serves on the investment committee and board of trustees for the St. Andrew’s Society of San Francisco, which promotes Scottish art, culture, and music. 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 investment 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.

John Sturiale is a CFP® with 26 years of industry experience currently with Charles Schwab in Danville, CA. He has held various roles within the Schwab organization since 2012, including positions at Charles Schwab Trust Bank, Charles Schwab Investment Advisory, Inc., and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory solutions supported by a centralized operational structure.

David Lim is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 13 years of industry experience. His prior work includes positions at Bank of America, Citigroup, and First Republic Securities Company. 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, pension plans, corporations, and charitable organizations.

Kenneth Vercellino is a financial advisor with Raymond James & Associates in San Francisco, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Prior to joining Raymond James in 2022, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities Inc. for 12 years. 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, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Victor Tan is a financial advisor at UBS Financial Services with 27 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kenneth Tarrant is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Matthew Swimmer is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, he has worked in various roles across retail, hospitality, and education sectors. Outside of finance, he operates a small online resale business focused on watches and accessories. 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 institutions.

Brett Villaume is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Dogpatch Wealth, Pacific Premier Bancorp, and Opus Bank. Villaume serves as an adjunct professor at Golden Gate University and is secretary of the Technical Analysis Educational Foundation, a nonprofit educational advocacy group. He is also treasurer of the Dogpatch Neighborhood Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers and LPL programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Guneet Bains Ajmani is a financial advisor at Morgan Stanley with 25 years of industry experience. Prior to joining Morgan Stanley in 2026, Ajmani worked at LPL Financial and BMO Bank, where he held advisory roles for over a decade. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves 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 integrates structured planning tools and firm-approved methodologies in its advisory process.