Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She works closely with clients to understand their unique circumstances, priorities, and long-term goals, aiming to build personalized plans that align with their vision for the future. She regularly reviews client progress and discusses strategies to improve outcomes or reduce risk, with the goal of helping clients feel confident and secure about their financial future. Martha has extensive experience in financial services, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023, Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. She holds a California Insurance License. Outside of her professional work, Martha has an interest in art, football, golf, and traveling.

Melissa Talingdan is a financial advisor at Morgan Stanley in San Francisco, with 18 years of industry experience. She holds Series 63 and Series 66 registrations and previously worked at LPL Financial from 2015 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Glenn Fama is a financial advisor with Wells Fargo Advisors in San Francisco, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he owns and operates Fama Capital Wealth Management, a practice based in San Francisco. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, utilizing proprietary research and tools to deliver tailored recommendations across various planning needs.

Jennifer Siciliano is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is a partner in R. Bennett Limited Partnership, involved in agriculture and real estate activities. 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. The firm emphasizes structured financial planning supported by its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Stephen Davalos is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Sherine Ta is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase Bank and JPMORGAN Securities. Outside of her advisory role, she provides in-home supportive services as a caregiver for a family member. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Marcus Jones is a financial advisor with UBS Financial Services in San Francisco, California, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with UBS since 2019. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services alongside proprietary research to tailor investment strategies.

William Dickens is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Dickens holds Series 63 and Series 65 licenses and is based in San Francisco, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm employs a structured planning process using proprietary tools and offers investment management alongside corporate and estate planning services.

Melissa Wong is a financial advisor at Charles Schwab with five years of industry experience. She holds a Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2020. Prior to her current role, she worked at the US Census Bureau and the British Consulate-General in San Francisco. Charles Schwab 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by integrated brokerage, custody, and research resources.

Andrew Winchester is a financial advisor with Morgan Stanley in San Francisco, holding Series 65 and Series 63 licenses and with 24 years of industry experience. His prior roles include positions at JPMorgan Securities LLC and Wells Fargo Advisors, among others. He serves on the board of the Wolf Museum of Exploration and Innovation in Santa Barbara, California, where he is involved in fundraising and capital campaign committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured tools and investment modeling.

Stephanie Green is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is involved in healthcare administration at Alta Bates Medical Center and works as a nurse with the Visiting Nurses Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Brendan McGrath is a financial advisor with Equitable Advisors in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Equitable Advisors since 2013 and was previously affiliated with AXA-Advisors, LLC. Outside of his advisory role, he is involved as a managing member of Affordable Luxury Rentals - ABC, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

William Benner is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2013, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Eddy Shum is a CFP® and PFS™ with 37 years of experience in the financial industry. He is currently with LPL Financial and has held prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and USA Financial Securities Corporation. Shum also operates Peak Retirement, Inc., a business entity he has maintained since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary portfolio management.

Paul Lefebvre Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held roles at Bank of America and Merrill Lynch from 2011 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Elizabeth Sackett is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 designations and with 30 years of industry experience. She has been with UBS since 1993. UBS Financial Services Inc. 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 uses proprietary research and model-based asset allocations to tailor investment plans.

Jared McCray is a Vice President and Financial Consultant at Fidelity Investments. He focuses on partnering with successful individuals and families to align their wealth with their vision of financial freedom. Jared helps clients create financial plans that identify opportunities, address potential risks, and provide a clear path forward. Through ongoing monitoring, proactive guidance, and strategic adjustments, he assists clients in navigating change while keeping their financial decisions aligned with their goals and values. Jared has extensive experience in the financial industry, having held various roles at Fidelity Investments since 2012, including Financial Representative, Investment Representative, Financial Consultant, and now Vice President, Financial Consultant. Prior to joining Fidelity, he was a Registered Representative at First Investors from 2011 to 2012. He holds a California Insurance License. Outside of his professional work, Jared's personal interests include beach activities, fitness, scuba diving, snowboarding, and traveling.

Xing Liu is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities LLC, Liu worked at JPMCB (China) Co Ltd, Zhong Ou Asset Management, and BNP Paribas. 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 through its Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Robert Sutton is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. He is based in San Francisco, CA. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through employer agreements.