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® with 48 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has worked with several firms, including Associated Planners Investment Advisory Inc., Linsco Private Ledger (LPL), and Geneos Wealth Management Inc. Emmer also provided financial advisory services as an independent contractor for Silversage Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to help clients achieve their financial goals and supports municipal and public finance work through a unique municipal advisor affiliation.

Christopher Maher is a Private Wealth Advisor with Merrill Private Wealth Management. He works with a select group of clients, providing detailed financial advice and guidance to help them make informed decisions. His approach emphasizes clarity, transparency, and service, fostering long-term, discreet relationships with clients and their families. Since beginning his career in financial services in 1996, Christopher has developed expertise in areas including investment management, pre- and post-liquidity event planning, concentrated and restricted stock management, business structuring, customized credit, trust and estate planning, and philanthropic strategies. He serves clients such as business owners, entrepreneurs, senior executives, and others with complex wealth management needs. Christopher holds a bachelor's degree from DePauw University and the Personal Investment Advisor (PIA) designation. He has been involved in various community organizations, including serving as an ambassador and holding leadership positions with local educational and sports associations. Christopher and his family reside in the East Bay area of San Francisco.

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 at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services LLC since 2017, following a year at Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, retirement plan consulting, and both brokerage and advisory solutions, managing approximately $671 billion in assets.

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.

Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Johnson is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses with 17 years of industry experience. He previously worked at Blackrock Investments, LLC for 13 years before joining Morgan Stanley and its Private Bank division in 2025. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and models to support outcomes, with clients responsible for implementation and updates.

Meera Raman is a Series 66-licensed financial advisor with 12 years of industry experience. She has worked at Morgan Stanley since 2024 and previously held roles at J.P. Morgan Securities, First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct financial planning and Corporate Financial Planning agreements with employers.

Raphael Anaya is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes positions at Wells Fargo, Mechanics Bank/LPL, and JP Morgan Chase, as well as a brief role outside finance at Mariachi Mexican Grill. 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, offering both non-discretionary and discretionary investment options alongside integrated brokerage, custody, and financial planning services.

Joseph Wraga is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with various Schwab entities since 2013, including Charles Schwab Trust Bank and Charles Schwab Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and alternative investment options.

Andrew Cooper III is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Markus Stephens is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 designations and eight years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC from 2018 to 2021. 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 and profit-sharing plans, corporations, and charitable organizations.

Colin Murphy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at First Republic Bank and its related entities prior to joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and specialized estate planning groups.

Adam Knott is a financial advisor at LPL Financial based in San Francisco, CA, with 20 years of industry experience. He previously worked at Citigroup Global Markets for 17 years and has been affiliated with both LPL Financial and BMO Harris Bank since 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Margaret Reid is a CFA® charterholder and financial advisor with 9 years of industry experience. She is currently with LPL Financial and also maintains a role at BMO Harris Bank. Her prior experience includes positions at Citigroup and MUFG Union Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Angel Chavez is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Chavez is involved in a non-investment-related outside business based in San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured tools and models, managing approximately $2.74 trillion in client assets.

Claudia Correa is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and economic modeling.