Chung Yan Ho is a financial advisor at UBS Financial Services in San Francisco, holding a Series 66 designation with six years of industry experience. Prior to joining UBS Financial Services in 2019, he worked at UBS AG from 2012 to 2019. 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 capital market assumptions and research to tailor plans to clients’ goals and risk tolerances.

Li Zhu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 65 and Series 63 licenses and having five years of industry experience. Prior to his current role, he worked for JPMC Hong Kong Branch for ten years. Outside of his advisory work, Zhu is a financial investor in Sandy Health, a healthcare technology startup focused on using AI to improve efficiency in healthcare systems. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset-allocation advice, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Trent Sova is a financial advisor at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has worked at Ameriprise Financial Services since 2016. In addition to his advisory role, he is involved in independent insurance brokering. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Elio Issa is a Series 66-licensed financial advisor at Morgan Stanley in San Francisco, CA, with no prior industry experience before joining the firm. His work history includes multiple terms at Morgan Stanley and a brief period at Equitable Advisors. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Nasser Abdulkariem is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill and Bank of America, among other firms. He is based in San Francisco, CA. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with affiliated brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Casey Dow is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, Del Monte Foods Inc., and Ernst & Young. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Billy Manning is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has been associated with various Morgan Stanley entities since 2007, including Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Outside of his advisory role, he is a partner involved in property management activities in Oakland, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services under both direct and corporate financial planning arrangements.

Fahrudin Velic is a financial advisor at Stifel with 13 years of industry experience. He holds a Series 66 designation and has been with Stifel since 2012. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and planning analyses.

Russell Hoss is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation. He joined Morgan Stanley in 2025 and has prior experience at CBRE Inc., Norco College, loanDepot Inc., SetSchedule LLC, and Yuen Enterprises One Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Zachary Abrahams is a financial advisor at Stifel with one year of industry experience. He holds a Series 66 designation and has prior experience at Stifel Public Finance as well as roles connected to educational and community organizations including Tulane University, Brentwood School, and local synagogues. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Adriana Hihi is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2022, she worked in education and also spent time at Robert Sinskey Vineyards and Glass Onion Catering & Gourmet Foods. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Paul Genco is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2015, with a three-year period at Brown Brothers Harriman from 2017 to 2020. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kristian Pavlov is a financial advisor with LPL Financial based in San Francisco, CA. He holds a Series 66 designation and has nine years of industry experience. His work history includes roles at Patelco Credit Union, JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and CUSO Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by research and various model portfolios.

John Gallagher is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at J.P. Morgan Securities since 2009 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrew Busche is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at J.P. Morgan Private Bank and Bridgetown Wealth Management. He attended the University of Oregon from 2021 to 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Keith Bernardy is a financial advisor at LPL Financial with 43 years of industry experience. He holds the Series 63 designation and previously worked at Securities America Advisors, Inc. and KMS Financial Services, Inc. Bernardy also operates Bernardy Financial Group as a DBA related to his LPL business. 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 investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Bradford Shaffer is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with UBS since 2008. Outside of his advisory work, he is involved in a private jet charter business as a pilot. 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 provides a broad range of capital markets and custody services.

Matthew Sattler is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab in Corte Madera, CA. His prior experience includes roles at Edward Jones and IntegenX Inc. Outside of his advisory work, he rents out a room in his primary residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services, delivering investment guidance via a combination of non-discretionary advice and discretionary separately managed accounts.

Sennai Abbay is a financial advisor at UBS Financial Services with 14 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank N.A. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor investment plans according to clients’ goals and risk tolerances.

Monica Bunawan is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at CETERA Advisor Networks LLC for six years before joining Morgan Stanley in 2022. 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 focused on tailored financial planning, managing approximately $2.74 trillion in client assets.