Marcella Jennifer is a financial advisor at Ameriprise with two years of industry experience and holds the Series 66 designation. Her work history includes positions at Ameriprise and several educational institutions, including UCLA and the University of California, Berkeley. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Samantha Solberg is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and previously worked at Breckinridge Capital Advisors, Inc. before joining Charles Schwab. 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 investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Wilson Ma is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Ma serves as a caregiver, providing cooking and cleaning assistance for his ill mother. Wells Fargo Clearing offers retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, employing an IPS-driven approach grounded in modern portfolio theory. The firm provides both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, participant education, and plan benchmarking.

Matthew Swaffin Smith is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. 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 supported by firm-approved planning tools and analysis techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and under Corporate Financial Planning agreements.

Daniel Scalley is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006, as well as Bank of America 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 offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Edward Liu is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and eight years of industry experience. He has been with Merrill since 2011 and also worked at Bank of America, N.A. from 2024 to the present. Outside of his advisory role, he is a co-owner of family rental properties in Nevada and California. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Terrance Feeney is a CFP® with 41 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors from 2012 to 2016. Outside of his advisory role, he owns and operates Terry Feeney Fine Art, a business focused on selling fine art. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Marlon Villavicencio is a financial advisor at Cetera with a Series 65 designation and four years of industry experience. His work history includes roles at Avantax Investment Services Inc. and Avantax Advisory Services, as well as ongoing involvement with MV Insurance Services, Inc. and MCV Enterprises LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers, and managing more than $256 billion in assets.

Alex Pineda is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities in 2024, he worked at JPMorgan Chase Bank, N.A., First Republic Bank, and Bank of America. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Anthony Hsiao is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 credentials and 15 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 ongoing affiliation with Wells Fargo Bank, N.A. since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Gregory Murphy is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 licenses and having 28 years of industry experience. He has worked at Merrill since 1998 and Bank of America, N.A. since 2009. Outside of his advisory role, he is an owner of a family business managing land assets formerly comprising a mobile home park in Paradise, CA, and also holds ownership in a separate cabin property through an S-Corp. 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.

Aspasia Iosifellis is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and bringing one year of industry experience. She has previously worked at First Republic Bank and Silicon Valley Bank. Outside of her advisory role, she serves as Treasurer and Board of Directors member for the Greek American Professional Women Society, a nonprofit organization focused on promoting Greek culture and providing scholarships. J.P. Morgan Securities LLC offers institutional consulting services to clients such as corporations and foundations, providing asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis.

Jon King is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and having 25 years of industry experience. He has worked at Morgan Stanley since 2009 and has been part of Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools, though clients are responsible for plan implementation and updates.

Norman Lam is a financial advisor with LPL Financial in San Leandro, CA, holding Series 63 and Series 65 licenses and bringing ten years of industry experience. His prior roles include positions at BMO Investment Services, Wells Fargo, JP Morgan Chase, Charles Schwab, and Transamerica Financial Advisors. 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 provides a range of advisory programs and financial planning services, including discretionary and non-discretionary management supported by research and model portfolios.

Yuqing Zhang is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS, Yuqing held roles at Aspiriant, Golden Eagle Asset Management, and CICC Wealth Management, and has academic experience from the University of Southern California and the University of California, Irvine. Yuqing holds the Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and capital markets services through a broad platform.

Joshua Mcferron is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2005, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Based in San Francisco, CA, he has been with Morgan Stanley for over two decades. 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 emphasizing tailored financial planning and manages approximately $2.74 trillion in client assets.

Wenqin Sun is a financial advisor at Merrill with seven years of industry experience. Sun holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities LLC and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through its 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.

Moises Ramirez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His work history includes roles at Bank of America, Merrill, and several other firms. 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 using model-based and discretionary investment strategies.

Masood Niazi is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Citigroup and Merrill. Outside of finance, he was involved in an import-export and automobile business, Niazi Import Export LLC/Empire Motors, from 2020 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Shani Hatcher is a financial advisor with Morgan Stanley, holding a Series 66 license and bringing 23 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021, and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory work, she owns Shani's Living Creations, a retail and online store based in Hayward, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies, and manages approximately $2.74 trillion in client assets.