Stan Seal is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, following a 22-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers diverse advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling techniques as part of its financial planning process.

David Colombo is a financial advisor at UBS Financial Services in San Francisco, holding the Series 66 designation with five years of industry experience. Prior to joining UBS in 2021, he worked at Equitable Advisors and spent four years at Memorial Sloan-Kettering. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and Global Research teams to tailor client plans. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets services.

Joseph Stern III is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and possessing 28 years of industry experience. He has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management offers a comprehensive range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery processes and planning tools but does not offer individual security recommendations as part of standalone plans.

Wing Lun Lai is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 15 years of industry experience. His career includes roles at Scottrade, Inc., East West Bank, and Ctbc Bank USA. He is based in San Francisco, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, featuring over 10,000 advisors and approximately $256 billion in assets under management.

Nathan Mateo is a Financial Consultant currently with Fidelity Investments, where he has been working since 2023. Prior to this role, he served as an Investment Consultant at Fidelity Investments in the same year. From 2017 to 2022, Nathan worked as a Wealth Management Client Associate at Merrill Lynch. Nathan holds a California Insurance License. He focuses on helping clients navigate the complexities associated with significant wealth by developing thoughtfully curated and holistic financial strategies aimed at achieving lasting results. Outside of his professional work, Nathan enjoys outdoor adventures, spending time with pets, and traveling.

Darwin Ching is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Based in San Francisco, CA, he focuses on providing wealth management services within the firm. 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, utilizing structured discovery processes and firm-approved planning tools to support clients’ financial goals.

Nour Moussa is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 65 and Series 63 licenses with six years of industry experience. Their prior roles include positions at First Republic Securities Company and JPMorgan Chase Bank. Outside of finance, Moussa was involved with Happy Kids Preschool and Day Care for five years. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized reporting for plan sponsors, corporations, and endowments. Their advisory process integrates quantitative and qualitative research with a range of eligible strategies, including ESG considerations, supported by affiliated implementation services.

Matthew Larrabure is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Outside of his advisory role, he teaches hunter education classes for the California Department of Fish and Wildlife and serves as a committee member for the Sonoma Marin Area Rail Transit. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management strategies, integrating both in-house and third-party investment resources.

James Schlueter is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 1997, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is the sole proprietor of an agriculture-related business in San Francisco. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and modeling techniques and offers both direct and corporate financial planning services.

Janet Walker is a CFA® charterholder with six years of industry experience. She is currently affiliated with Wells Fargo Clearing and has previously worked at Bailard, Inc and Wells Fargo Investments. Her current role is based in San Francisco, CA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Jonathan Martin is a CFP® and ChFC® credentialed advisor with 14 years of industry experience. He is currently with Osaic Wealth and has previously worked at Woodbury Financial Services, MassMutual Investors Services, MassMutual Life Insurance, and MetLife Securities. Martin serves as an active board member for Integrated Community Services. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm utilizes a model-based investment approach with tools like efficient frontier analysis and offers a range of brokerage and advisory services across multiple platforms.

Brock Scigliano is a financial advisor with LPL Financial in San Rafael, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Fidelity Investments, Prudential, and TD Ameritrade. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Stephen Simon is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Stifel since 2016, with a brief period at Aspiriant from 2017 to 2020. He holds the Series 63 and Series 66 licenses and is based in San Francisco, CA. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses, supporting clients in their decision-making processes.

Fei Fang is a financial advisor at J.P. Morgan Securities with four years of industry experience. Fang holds a Series 66 designation and has worked at firms including Citigroup and UBS. Fei is based in San Francisco, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative screening and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Rohit Dhawan is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics emphasizing diversification and modern portfolio theory.

Sara Darmoni is a Financial Advisor at UBS Financial Services with 25 years of industry experience. She has been with UBS since 2008 and holds the Series 66 designation. 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 plans to clients' goals and risk tolerances.

Bradley Moore is a CFA® charterholder with 12 years of industry experience, currently serving as a financial advisor at Morgan Stanley in San Francisco, CA. His career includes 16 years at Wells Fargo Bank, N.A., followed by roles at Wells Fargo Clearing and Morgan Stanley since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and proprietary tools to support its clients.

Jess Perez is a Vice President and Financial Consultant at Fidelity Investments, a position held since 2008. In this role, Jess applies expertise in comprehensive financial planning to assist clients in developing personalized strategies that align with their values and goals. As a CFP4 professional, Jess emphasizes the importance of listening to clients to build lasting relationships and provide guidance through various life changes. Jess holds a California Insurance License, supporting the ability to offer informed advice on insurance-related matters as part of holistic financial plans. Beyond professional commitments, Jess engages in personal interests including biking, fitness, golf, caring for pets, and traveling.

Gustavo Sanchez is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Patelco Credit Union and Sonoma State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage a broad range of investment products and model portfolios.

Mohammed Aater is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on understanding clients' financial priorities to develop personalized wealth management strategies that address short-, mid-, and long-term goals. His approach includes providing access to investment insights from Merrill and banking and lending solutions through Bank of America. In his role, Mohammed serves as a resource for clients on topics ranging from general investing and retirement planning to preparing for unexpected financial needs. He collaborates with Bank of America specialists to offer clients comprehensive services including banking, credit, home financing, and small business solutions. Mohammed holds the designation of Personal Investment Advisor (PIA). He earned his High School Diploma/GED from Allentown Central Catholic.