Matt Damelio is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been advising clients since 1995. He works with a select group of families to help them establish and achieve their wealth management goals, focusing on areas such as education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income. Matt holds a Bachelor's degree in Economics from the University of California, Los Angeles (UCLA). He earned the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute™, completed in conjunction with the Haas School of Business at the University of California, Berkeley. He has also taught courses affiliated with the Haas School of Business. Additionally, Matt carries the Personal Investment Advisor (PIA) designation. Outside of his professional work, Matt is involved in his community as a Little League Baseball Coach. He enjoys baseball, boating, football, golfing, spending time with his family, and traveling. Matt is married to Erica, and they have three children, including Jack Damelio, who is also a financial advisor on the Merrill Lynch team.

Marian Lenz is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she works closely with a select group of affluent clients. She focuses on providing a personalized, planning-based approach tailored to enhancing client wealth according to their individual goals. Marian serves clients including engineers, physicians, attorneys, business owners, corporate executives, retirees, families with special needs children, and Stanford University alumni, assisting them in navigating financial opportunities and challenges. With a commitment to thorough analysis and holistic risk management, Marian helps clients develop investment plans that are tax-sensitive and diversified. She incorporates strategies involving ETFs, index-linked notes, mutual funds, annuities, and separately managed accounts, aligning with client preferences. Marian emphasizes intergenerational wealth transfer and collaborates with specialists for trust, insurance, retirement plans, and financing needs, reflecting a comprehensive approach to wealth management. Marian holds a Bachelor's degree in Economics from Stanford University and possesses several professional designations, including Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA). She actively participates in community initiatives such as Better Money Habits and enjoys interests including cooking, dancing, gardening, genealogy, hiking, music, reading, running, traveling, and yoga.

Thomas Johnson is a financial advisor with Morgan Stanley in Palo Alto, CA, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank and Axa Advisors, as well as positions at academic institutions such as UC Berkeley and the University of Michigan. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Darryl Ng is a financial advisor at Morgan Stanley in Palo Alto, CA, with 21 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, as well as Morgan Stanley Smith Barney LLC since 2011. Outside of his advisory work, Ng is active in community and professional organizations, serving as a board member and chapter president for the USC Marshall Alumni Association’s Bay Area Chapter, president of the Santa Clara County Estate Planning Council, and a board member of the Certified Financial Planner Board of Standards, where he also volunteers as an exam question writer. Additionally, he is involved with Darryl Ng Competitive BBQ as a pitmaster, chef, and BBQ judge. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and robust modeling techniques as part of its advisory process.

Suhrob Kaharov is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 19 years of industry experience. He has been with J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kimberly Dunne is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2010 and Bank of America, N.A. since 2011. 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.

Daniel Duran is a financial advisor at Charles Schwab with a Series 66 credential and approximately one year of industry experience. His prior work includes roles at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 offers a mix of non-discretionary and discretionary investment solutions supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Michael Scandalios is a financial advisor with UBS Financial Services in Palo Alto, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with UBS since 2002 and has worked in the financial sector since 1998. Outside of his advisory work, he is also an author of novels. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets and banking services.

Stan Sklenar is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a co-author involved with Larstan Publishing, where he contributes to a book on investment management. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and serves clients through direct relationships as well as corporate financial planning agreements.

Julius Brauner IV is a financial advisor at OSAIC with 46 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors Inc and Securities America, Inc. He was also involved with The Brauner Company from 2007 to 2015. Outside of his advisory role, he has worked as an insurance agent specializing in term life insurance and fixed annuities. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a range of integrated brokerage and advisory services, employing asset allocation tools, risk assessments, and automated rebalancing to manage diverse portfolios across multiple platforms.

Dominic Mc Kenna is a financial advisor with Edward Jones in Alameda, CA, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Edward Jones since 1996. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and proprietary mutual funds, operating under a fiduciary standard.

Julia Seydlitz Falchi is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and 25 years of industry experience. She previously worked at E*Trade Securities LLC and E*TRADE Capital Management LLC from 2011 to 2019. Outside of her advisory role, she teaches yoga, serves on the advisory board of the San Francisco Skate Club, and has acted in the indie film "The Yogi Trademark." Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research.

Christopher Phillips is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Fidelity, New York Life, and other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Jacqueline Kehoe is a financial advisor at UBS Financial Services with 10 years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Carol Chang is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Cetera since 2025. She previously worked at Avantax Advisory Services and its affiliated entities for nearly two decades. Outside of her advisory role, she serves as the elected Captain of the Half Moon Bay Women's Golf Club, leading its board and representing the club at regional meetings. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Sara Balk is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has worked at Charles Schwab and Charles Schwab Bank since 2024. Prior to joining Schwab, she held positions at Equinox, Chapman University, Sur La Table, and Nekter Juice Bar, alongside several years in education. Charles Schwab 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios and access to alternative investments within an integrated, large-scale operational structure.

Danielle Aldama is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and bringing 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Aldama is involved in independent sales of hair care products and jewelry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Andrew Le is a financial advisor with UBS Financial Services in Palo Alto, CA, holding the Series 66 designation and over 25 years of industry experience. He has been with UBS Financial Services Inc. since 2008. 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 and provides proprietary research and capital markets solutions.

Philip Horowitz is a financial advisor with Morgan Stanley in San Mateo, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. His career includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney from 2012, and WHV Investments, Inc. from 2007 to 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and combines structured planning tools with broad retail and institutional investment offerings.

Paige Skrabo is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Before joining Morgan Stanley, Paige worked at Free People for three years and attended San Diego State University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.