David Hohl is a financial advisor at UBS Financial Services with 48 years of industry experience and holds Series 63 and Series 65 designations. He has been with UBS since 1995. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its comprehensive platform.

Radha Narayan is a financial advisor at UBS Financial Services with 32 years of industry experience. She has been with UBS since 2009 and holds Series 63 and Series 65 designations. Outside of her advisory role, she serves as a trustee for a colleague's child's UTMA/trust account. UBS Financial Services 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 utilizes proprietary research and model-based asset allocations to tailor client strategies.

Michael Zosky is a financial advisor at Morgan Stanley in Palo Alto, CA, with three years of industry experience. He holds a Series 66 designation and previously worked at Rimon PC and Royse Law Firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Whitney Rohrer is a financial advisor at Morgan Stanley with 20 years of industry experience and holds a Series 66 designation. Prior to joining Morgan Stanley in 2019, Rohrer worked at Bank of the West and BancWest Investment Services from 2016 to 2019, Wells Fargo Clearing from 2011 to 2016, Wells Fargo Investments from 2007 to 2011, and Ameriprise in 2006-2007. Outside of advisory work, Rohrer serves as a successor trustee in a trust-related capacity. 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. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside its broader investment and brokerage services.

Xiuying Jin is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Jin serves as a board member for The Joy Culture, a nonprofit organization based in California. Morgan Stanley Wealth Management provides a wide range of advisory programs for individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct financial planning and corporate arrangements.

Yen Ting Lu is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has worked at Merrill and other prominent firms including Bank of America, JP Morgan Chase Bank, and Citigroup. Merrill, together 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 strategies for individuals, high-net-worth clients, and institutional investors.

Cory Goligoski is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1992, shortly after earning his Bachelor's degree in Economics from the University of California at Los Angeles. Cory brings over 30 years of experience in financial strategies, with a focus on areas such as stock options, retirement planning, and comprehensive wealth management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Cory works closely with families and individuals to develop long-term strategies that address wealth management, retirement income, tax minimization, executive compensation, and education planning among other priorities. Outside of his professional role, Cory is involved with the Hillsborough Little League and the Ronald McDonald House. His personal interests include baseball, biking, football, hiking, running, spending time with family, and traveling.

Benito Barillas is a financial advisor at Edward Jones with four years of industry experience. He holds a Series 66 designation and previously worked for six years at Seguros Antigua, Corredores de Seguros, S.A. Outside of his advisory role, he has a partial ownership interest in a house rental business in Antigua Guatemala. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Hannah Lam is a financial advisor at Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses with three years of industry experience. She previously worked at Fidelity Investments for two years and spent nine years at UCLA. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct individual plans and Corporate Financial Planning agreements with employers.

Curtis Bunch Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1999 with Smith Barney/Morgan Stanley and joined Merrill Lynch in 2008. Curtis has over twenty years of experience helping clients achieve their personal financial goals by implementing comprehensive planning and wealth management strategies. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®) designation from the National Association of Plan Advisors. Curtis earned a Bachelor of Science degree in Business Administration with a concentration in Marketing from San Francisco State University and an Associate of Arts degree in Business Administration from the College of San Mateo. Curtis works closely with clients' certified public accountants, estate planning attorneys, and other financial professionals to develop integrated wealth management plans. Outside of his professional role, he is involved in the community as the San Mateo AYSO Regional Treasurer and volunteers with local youth sports organizations, including the American Youth Soccer Organization.

Ashley Runnicles is a financial advisor at Edward Jones in Redwood City, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, Ashley worked in various roles including fitness instruction and hospitality. She has also spent time engaged in extended travel. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,000 financial advisors. The firm offers a range of advisory programs with discretionary and non-discretionary strategies and operates under a fiduciary standard.

John Lowenberg Jr. is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Btig, LLC for 20 years. He is based in Palo Alto, CA. 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. The firm’s advisory process incorporates quantitative and qualitative due diligence along with an ESG eligibility framework, delivering tailored recommendations within a non-discretionary program.

William Stricker is a financial advisor with J.P. Morgan Securities in Palo Alto, CA. He holds Series 63 and Series 65 licenses and has nine years of industry experience, including roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. prior to his current position. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research to build model asset allocations and incorporates ESG considerations where applicable.

Jose Campos is a CFP® with 10 years of industry experience and is currently a financial advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Commonwealth Financial Network for eight years and had roles at H.D. Vest entities. Campos is also involved as an officer and owner of Innovative Investment Partners, LLC, and serves as a partner at Rydge Tax Services, specializing in tax preparation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm uses tailored, non-discretionary planning and risk profiling tools to support client goals and is notable for its municipal advisory affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services program.

Tong Ba Nguyen is a financial advisor at Morgan Stanley with four years of industry experience. He holds the Series 66 designation and has worked previously at Scharf Investments, FundX Investment Group, and Lateef Investment Management. He is based in Menlo Park, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analysis to support its financial planning services.

Stephen Brainerd is a financial advisor with Morgan Stanley in Menlo Park, CA, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at John Hall, various insurance carriers for W&R Insurance Agencies, and Waddell & Reed. Outside of advisory work, he has a Power of Attorney role related to investment activities in Vega, TX. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning through its Financial Advisors and Estate Planning Strategies Group.

Donald Fung is a financial advisor with Morgan Stanley in Menlo Park, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2017, with prior roles at JPMorgan Chase Bank and J.P. Morgan Securities dating back to 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a variety of advisory programs. The firm offers tailored financial planning and utilizes structured discovery conversations and firm-approved tools to support customized client plans.

Marc Gambrel is a financial advisor at J.P. Morgan Securities in San Mateo, CA, holding Series 66 and Series 63 licenses with five years of industry experience. His career includes roles at JPMC Bank NA, U.S. Bank, and a variety of retail and service companies. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach integrates centralized due diligence combining quantitative and qualitative research and incorporates ESG considerations within its model asset allocations.

Christina Yuni is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Merrill and Bank of America. Outside of her advisory work, she is a partner in Reef Hunters LLC, a company involved in real estate and technology. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutional clients, with a structured financial planning process supported by firm-approved tools and resources. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Ali Yousuf is a financial advisor at Morgan Stanley with one year of industry experience. He previously held roles at Merrill and Proscribe and attended Baylor University. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process includes structured discovery conversations and firm-approved tools but does not provide individual security recommendations as part of standalone planning.