Kaushal Kumar is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their unique ambitions and develop personalized financial plans. His services include general investing, retirement planning, and strategies for managing unexpected expenses, all tailored to align with clients' individual priorities. Kaushal holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He completed an Accredited Certificate Program at the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, Kaushal is able to communicate effectively with a diverse clientele. He is also involved in the Fresno Cambodian Buddhist Society, Inc.

Tomokazu Kuwamoto is a CFP® with 16 years of industry experience, currently affiliated with Wells Fargo Clearing in San Francisco, CA. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Alexander Teodoro is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2003 and operates Teodoro Wealth Management as his primary business. Outside of finance, he works as a SCUBA diving instructor on a part-time basis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Daniel Holligan is a financial advisor at Stifel with 20 years of industry experience. He holds a Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2012. He serves as a board member for Friends of Princeton Water Polo, advising on matters related to the program. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is guided by a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Gregory Nikolaieff is a financial advisor at Ameriprise in Novato, CA, holding a Series 66 designation with 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, personalized recommendations through a centralized consulting team.

Barry Mcmullan is a financial advisor with UBS Financial Services in San Francisco, holding a Series 63 designation and 48 years of industry experience. His career includes roles at UBS Financial Services since 2013, the Atlantic Group since 1985, and Eastern Airlines, Inc. since 1978. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Thet Myothwe is a financial advisor at Morgan Stanley with 21 years of industry experience. Prior to joining Morgan Stanley in 2023, he held roles at United Planners Financial Services, Proxy Wealth Advisors LLC, Northwestern Mutual Life Insurance Company, and Charles Schwab Co. He is involved with the CAIA San Francisco Bay Area Chapter in an educational and business development capacity. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Charles Marks is a financial advisor at Stifel in San Francisco, holding a Series 66 credential. He has been in the industry since 2023, with prior experience at KeyBank and a background in education at the University of Colorado Boulder and Redwood High School. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Elizabeth Roberts is a financial advisor at Morgan Stanley with 48 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as executor and co-trustee for her mother’s estate. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs 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 employs a structured planning process incorporating firm-approved tools and market analyses.

Jeffrey Green is a financial advisor with Stifel in San Francisco, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011. Outside of his advisory role, he serves on the City of St Helena’s Community Measure H Oversight Committee and the Lake Hennessey Fire Safe Council Steering Committee. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Peter Arbogast is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 1984 and Bank of America, NA since 2009. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kerstin Barstad is a Series 66 licensed financial advisor with Merrill in San Francisco, CA, with 15 years of industry experience. She has been with Merrill since 2010 and also worked at Bank of America, N.A. since 2022. 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 investment strategies for a range of client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Alwin Weibezahn Rodriguez is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and five years of industry experience. His prior roles include positions at E*TRADE Securities LLC, Bank of America, and Merrill. 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.

Benjamin Portnoy is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2011 and Bank of America since 2014. He serves as a board member of the Belvedere Tennis Club, overseeing strategic direction for the club through 2026. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

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.

Vivian Kremer is a financial advisor at Morgan Stanley with 43 years of industry experience. She holds Series 63 and Series 65 licenses and has been with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. Its financial planning process uses structured discovery and firm-approved tools, emphasizing advisory services without providing individual security recommendations as part of standalone plans.

Bren Johnson is a financial advisor at Merrill with 27 years of industry experience. He holds a Series 66 designation and has been with Merrill since 1998, concurrently working at Bank of America, N.A. since 2009. Outside of his advisory role, Johnson serves as the 2024 Commodore of the Northern California Fleet for the Classic Yacht Association, a nonprofit focused on the preservation and restoration of historic motor yachts. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Hartman Maloy is a financial advisor with Morgan Stanley based in San Francisco, CA, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. His prior roles include positions at BlackRock Investments, LLC and CMG Securities LLC. He is a passive member of a family agricultural LLC, TARGHEE LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Lisa Amador is a financial advisor at Morgan Stanley in San Francisco, CA, with 39 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.