Patrick Torrey is a financial advisor at Charles Schwab with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and its affiliated bank since 2010 and 2012, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options supported by the Schwab Center for Financial Research.

Thomas Judson IV is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, he serves as a youth soccer referee for the East Bay Eclipse Soccer Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning supported by proprietary tools and employs a structured discovery process to develop client plans.

Ramona Gerber is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill in 2022, she worked at Four Star Realty and held positions at the University of Colorado Boulder and Menlo Atherton High School. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Heather Einhell is a financial advisor with Charles Schwab in San Mateo, CA, holding a Series 66 license and nine years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2018 and previously worked at Fidelity Brokerage Services and the Workers' Compensation Insurance Rating Bureau. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed accounts and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Corey Pang is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management, with over two decades of experience serving corporate executives, entrepreneurs, and high-net-worth families. He specializes in providing strategic and personalized wealth management guidance, leveraging the extensive resources of Merrill Lynch to address complex investment and wealth-planning needs. Throughout his career, Corey has focused on delivering disciplined and client-centered advice that supports thoughtful financial decision-making. His expertise includes college education planning, executive compensation, family wealth management strategies, LGBT wealth planning, personal retirement planning, philanthropic planning, portfolio management, small business strategies, tax minimization, and retirement income. Corey holds a High School Diploma from Galileo Academy of Science and Technology and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He actively participates in community organizations such as the Asian American Business Council and the Asian Leadership Network. Corey is also fluent in English, Chinese, Yue (Cantonese), and Mandarin.

Nicholas Knudsen is a Series 66-licensed financial advisor with five years of industry experience, currently working at J.P. Morgan Securities in San Rafael, CA. His career includes roles at Prudential Insurance Company of America, Target Corporation, and Edward Jones, among others. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Jeffrey Bowden is a financial advisor at Charles Schwab in San Francisco, CA, with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and TD Ameritrade. Prior to his financial services career, he held various roles in hospitality and food service businesses. Charles Schwab & Co., Inc. serves primarily 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 guidance supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Timothy Baughman is a financial advisor with Merrill in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm integrates strategic and tactical asset allocation with tax-aware strategies and supports various investment restrictions and cash management options.

Steven Sun is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 66 licenses with 29 years of industry experience. Prior to joining UBS Financial Services in 2010, he worked at UBS International Inc., Credit Suisse Securities (USA) LLC, and Pershing LLC. He serves as a board trustee for The Stevenson School, a selective coeducational PK-12 boarding and day school. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant operations, principal trading, and underwriting.

Michelle Wendling is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Credit Suisse Securities (USA) LLC for three years before joining Wells Fargo in 2016. Michelle is based in San Francisco, CA. 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 and analytics from Wells Fargo Investment Institute.

Andrew Hughes is a Financial Advisor currently working with Merrill Lynch Wealth Management. He specializes in helping high-net-worth individuals and families develop personalized financial strategies designed to grow, preserve, and deploy wealth thoughtfully. Andrew's role involves providing strategic advice on managing complex situations including concentrated stock positions, equity compensation, liquidity events, and planning for retirement and legacy. Andrew earned a B.A. in Mathematics from the University of California, Berkeley, with studies concentrating on Economics and Finance. He began his relationship with Merrill Lynch Wealth Management during a college internship. Prior to his current role, Andrew gained experience at Willis Towers Watson advising on executive compensation and equity incentive plans, and at Levi Strauss & Co., managing executive compensation and global incentive programs. He holds Series 7, 65, and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. In addition to his professional work, Andrew is involved with community organizations through volunteer efforts. His personal interests include adventure sports, camping, chess, football, hiking, reading, skiing, and spending time with his family.

Frank Lavin II is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Osaic since 2024. He previously worked at Securities America Advisors and Securities America, Inc. from 2018 to 2024. Lavin is also an owner and partner of Columbus Advisors, a California general partnership. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment strategies delivered through affiliated broker-dealer and RIA relationships.

Jessica Marguet is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and five years of industry experience. Her work history includes multiple roles at Morgan Stanley since 2019 and a brief tenure at the Santa Barbara Polo and Racquet Club. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include financial planning and estate planning strategies.

Maria Cristela De La Cruz is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies that take into account clients' full financial pictures and changing market conditions. Maria provides access to investment insights from Merrill as well as banking and lending solutions through Bank of America to support her clients’ goals. Maria holds the Personal Investment Advisor (PIA) designation and earned her bachelor's degree from Universidad del Sagrado Corazon. She emphasizes a client-centered approach, working closely one-on-one to create customized financial strategies aimed at pursuing long-term objectives. In addition, Maria participates in community service activities, supporting local organizations through volunteer work.

Lang Huang is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 license and eight years of industry experience. Prior to joining Morgan Stanley in 2018, Huang worked at Bank of America from 2015 to 2017. 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 a structured planning process supported by firm-approved tools and market analysis.

Gabrielle Soto is a financial advisor at UBS Financial Services in San Francisco, holding a Series 66 credential. Soto joined UBS in 2025 and has prior work experience outside the financial industry, including several years at Starbucks. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services across multiple products and platforms.

Jason Whitehead is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Pretium and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses a research-driven approach that incorporates modern portfolio theory.

Rand Rodgers is a financial advisor with Equitable Advisors, holding a Series 63 designation and 33 years of industry experience. His prior roles include positions at LPL Financial, Wells Fargo Clearing, and A.G. Edwards & Sons. Equitable Advisors serves individual clients across a range of wealth levels, as well as pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a combination of firm-led and third-party advisory models, including the SAM program, to deliver tailored investment solutions.

Catherine Blake is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1983, also working at Bank of America since 2011. 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, and institutional investors.

Thomas Higgins is a financial advisor at J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 licenses with five years of industry experience. His prior work includes roles at Seltzer Shelter and Loards Ice Cream and Candy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative screens, qualitative research, and forward-looking capital market assumptions to build model asset allocations.