Jeffrey Chow is a CFP® with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2023. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC from 2009 to 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and includes both non-discretionary and discretionary options, with a broader investment menu that incorporates insurance-related vehicles and bank deposit sweep options.

Cynthia Serbia is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at J.P. Morgan Securities, First Republic Investment Management, First Republic Securities Company, and Oppenheimer. She took a one-year sabbatical before joining Merrill in 2025. 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 supported by internal and third-party managers for a variety of clients, including individuals, high-net-worth clients, and institutions.

Maria Irene Townsend is a financial advisor with J.P. Morgan Securities in San Francisco, CA, holding Series 63 and Series 66 registrations. She has 18 years of industry experience, including 23 years at Citi before joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Connie Cheng is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Enoch Lee is a financial advisor at UBS Financial Services in San Francisco, holding a Series 66 designation with two years of industry experience. He previously worked at UBS AG Hong Kong Branch for five years and Bank of China Group Investment for six years. Outside of his advisory role, he serves as proprietor and chairman of Sunny Team Development Limited, a holding company of personal assets. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor client portfolios.

Michael Ariyoshi is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley Private Bank, and Wells Fargo Advisors. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by extensive research and a range of portfolio management options.

Andre Coudsi is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2018 and previously spent nine years with First Financial Equity Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and combines extensive retail and institutional capabilities with specialized financial planning services.

Reza Golchini is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America, N.A. and Merrill since 2016. 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 developed by internal and third-party managers.

Fabian John is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, following a prior role at Morgan Stanley Smith Barney LLC beginning in 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services that incorporate modeling techniques such as Monte Carlo simulations.

John Tornes is a CFP® and Series 66 registered financial advisor with Edward Jones in Novato, CA, where he has worked since 2008. He has 18 years of industry experience. Outside of his advisory role, he is involved in rental real estate ownership in San Francisco. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Madeleine Odenweller is a financial advisor at UBS Financial Services in San Francisco, holding Series 65 and Series 63 licenses with two years of industry experience. Her prior roles include positions at Truist Advisory Services and Truist Investment Services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and proprietary research to tailor financial plans. The firm operates with a broad platform that includes institutional trading, wealth management, and capital markets services.

William Knox is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. His prior work history includes positions at PNC Bank and various roles connected to the University of Cincinnati. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through Financial Advisors and its Estate Planning Strategies Group.

Dana Tom is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with Morgan Stanley since 2016 and previously worked at Edd. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes with its Financial Advisors and Estate Planning Strategies Group, offering a broad range of retail and institutional investment services.

Michael Morrone is a Series 66-credentialed financial advisor with five years of industry experience, currently with J.P. Morgan Securities. His prior roles include positions at First Republic Investment Management, First Republic Securities, and Wells Fargo. Outside of his advisory work, he holds a passive investment interest in Longwood Holdco, LLC, a holding company that owns a car wash. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a centralized due diligence process to recommend investment solutions.

Darren Wollrich is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, National Association and Morgan Stanley since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools including Monte Carlo simulations and Secular Return Estimates.

Nicole Nixon is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 66 licenses with 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Sharam Pavri is a Financial Advisor at Merrill Lynch Wealth Management. He serves a select group of clients including technology professionals, founders, and business owners, focusing on areas such as college education planning, executive compensation, family wealth management strategies, and personal retirement planning. Sharam applies an analytics-driven process to design customized asset and liability strategies aimed at providing clarity and structure for his clients' financial goals. He holds professional designations including Certified Trust and Fiduciary Advisor (CTFA), Personal Investment Advisor (PIA), and Certified Financial Planner (CFP). Sharam earned a Bachelor's degree from the University of Toronto and a Master of Business Administration from the University of Newfoundland. He is fluent in Persian, Hindi, and English. Beyond his professional work, Sharam enjoys Northern California's outdoors with his family, engaging in activities such as swimming, sailing, hiking, basketball, boating, rock climbing, running, music, traveling, and volleyball. He is also involved with community organizations including Forbes Marshall Canada Inc., JP Morgan Chase & Co. - Bay Area Leadership Council, and uAspire.

Wanda Wu is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 credentials and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC since 2014. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Harry Zhang is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and has prior work experience at the University of California, Irvine, and with the Shanghai Overseas Economic & Technology Promotion Association. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, providing a broad range of financial solutions.

Christian Kimball is a financial advisor at Fidelity with over 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked with various Fidelity entities since 1993. Outside of his advisory role, he serves as chairman of traditions and orientation for The Family Club, a private social club in San Francisco. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, and it serves in advisory roles for multiple registered investment companies and fund-of-funds.