Kristin Boettger is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 2000. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Armand Brandt is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 license and five years of industry experience. He previously worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC, among other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Samuel Martinez is a Series 66 licensed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Bank of America, Wells Fargo, J.P. Morgan, and Citi, as well as involvement with Diamond Baseball Holdings LLC and the San Jose Giants. 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.

Catherine Deane Gong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. Her background includes roles at TD Ameritrade and Charles Schwab Bank, with prior involvement in community and athletic organizations such as the Guadalupe-Nipomo Dunes Center and Cal Poly Athletics. 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Brianna Reyes is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and with 11 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support its planning process.

Timothy Cecchin is a financial advisor with RBC Capital Markets in San Francisco, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill. Outside of his advisory work, he is involved in residential rental property ownership. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and financial planning services.

Naing Lin is a CFP® and holds a Series 66 license, with seven years of experience in the financial services industry. He has worked at RBC Capital Markets since 2023 and previously held roles at First Republic Investment Management, Merrill, and Bank of America. His background also includes time at the University of California, Berkeley. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs with both discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

Benjamin Pryden is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016, with an overall tenure at Wells Fargo Bank, N.A. dating back to 2008. Outside of his advisory role, he serves as a resident manager for Ham Delles Company Inc. and is an audit committee member for Petaluma Ecumenical Properties Housing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Victoria Hargrove is a financial advisor at UBS Financial Services with 37 years of industry experience. She holds the Series 63 and Series 66 designations and has been with UBS since 2015. 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 research-driven, tailored financial strategies.

Pallavi Iyer is a Series 66 credentialed financial advisor at Morgan Stanley with 13 years of industry experience. She has worked at Morgan Stanley since 2017 and previously spent three years with UBS Financial Services. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and research, managing approximately $2.74 trillion in client assets.

Patrick Welsh is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation. He joined Morgan Stanley in 2025 and previously held various roles connected to California Polytechnic State University and other organizations. Outside of his advisory work, he was involved with Running Revolution from 2019 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to develop financial plans.

Emily Andrew is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009. 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.

Arthur Chow is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, Cambridge Investment Research Advisors, Northern Trust, Morgan Stanley, and The Vanguard Group. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam White is a financial advisor at Robert W. Baird & Co. with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Baird since 2017, following prior roles at Eaton Vance Management and Eaton Vance Distributors, Inc. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Tri Nguyen is a financial advisor at Morgan Stanley in San Francisco, CA, with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including GWFS Equities and LPL Financial. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients. The firm offers tailored financial planning supported by a structured process and utilizes tools such as Monte Carlo simulations but generally does not provide individual security recommendations as part of standalone planning services.

Robert Emmer is a CFP® professional with 48 years of industry experience, currently affiliated with Raymond James Financial. He has worked at Silversage Advisors since 2020 and previously held roles at Geneos Wealth Management Inc. and Linsco Private Ledger (LPL). Emmer serves as an independent contractor financial advisor and planner at Silversage Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm uses analytical tools for tailored non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Christopher Maher is a Private Wealth Advisor with Merrill Private Wealth Management, providing detailed advice and guidance to a select group of clients to help them make informed decisions about their financial lives. He specializes in serving individuals with complex wealth management needs, including business owners, entrepreneurs, and senior executives. His approach emphasizes clarity, transparency, and service, aiming to create a supportive and tailored experience for his clients, their families, and their businesses. With over two decades of experience in the financial industry, Mr. Maher brings practical expertise across diverse areas such as investing, liquidity event planning, legacy design, and customized lending. He holds a Bachelor's degree from DePauw University and the Personal Investment Advisor (PIA) designation. His client focus areas include college education planning, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Mr. Maher has been actively involved in his community, holding various leadership roles including former Ambassador to the Moraga Education Foundation, former President and Treasurer of the Cougar Diamond Club, former Treasurer of the Campolindo Cabana Swim Club, former Vice Chairman of the Moraga Ad-HOC Committee, former Vice President of the Campolindo Home Owners Association, and former Vice President of the Moraga Baseball Association. He and his family reside in the East Bay of San Francisco, where they enjoy traveling and spending time together.

Luis Mercado Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked at Wells Fargo in various capacities since 2014 and has also held roles at Fidelity Investments and U.S. Bancorp Investments. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Maddie Lau is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and eight years of industry experience. She has worked at Wells Fargo Clearing Services since 2017 and previously was employed at Wells Fargo Bank and Target Corporation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions across a large platform with roughly $671 billion in assets under management.

Justin Adams is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Raymond James & Associates since 2014. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.