Justin Skoryi is a financial advisor at Merrill in San Francisco, CA, with 19 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at UBS Financial Services and First Republic Investment Management. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a variety of model-based and discretionary investment strategies integrated within Bank of America’s corporate platform.

Stuart Burden is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and three years of industry experience. His prior work includes roles at First Republic and the Silicon Valley Community Foundation, as well as running his own consulting business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Michael Carvalho is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has a comprehensive background in financial services, having worked in various roles at Fidelity Investments since 2019, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he served as a Practice Manager at Ameriprise Financial from 2014 to 2019. Throughout his career, Michael has focused on helping individuals and families achieve their financial goals by understanding their investment objectives and motivations. He holds a California Insurance License, which supports his advisory capabilities. Outside of his professional work, Michael enjoys attending concerts, engaging in fitness activities, visiting museums, traveling, spending time with pets, and volunteering in his community.

Marianah Cecchi is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and two years of industry experience. Her prior work experience includes roles at Bank of America, Merrill, Wells Fargo, and Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory in their investment approach.

Bennett Cale is a financial advisor with Morgan Stanley in San Francisco, holding Series 65 and Series 63 licenses and possessing 26 years of industry experience. He previously led Cale Financial Management, Inc. for over a decade before joining Morgan Stanley in 2020. Outside of advisory work, he is involved in managing a real estate business based in Hawaii. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning facilitated by firm-approved tools and strategies.

Tamika Workmon is a Wealth Management Planning Consultant at Fidelity Investment, a position she has held since 2021. In this role, she partners with clients and their Wealth Management Advisors to understand legacy goals and build customized financial plans tailored to individual needs. Her approach emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Tamika has accumulated experience as a Financial Advisor, having worked at MassMutual from 2019 to 2021 and Merrill Lynch from 2011 to 2013. She holds insurance licenses in Arkansas and California. Outside of her professional work, Tamika's personal interests include football, socializing with friends, spending time at the lake, singing, softball, and swimming.

Caitlin Chan is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and three years of industry experience. Her background includes roles at Patreon, Capital Group - American Funds Distributors, and the University of California, Berkeley. Outside of her advisory work, she sells used clothing and other items on the Mercari platform. J.P. Morgan Securities LLC 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.

Bob Austrian is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He previously worked at Neuberger Berman LLC for 13 years before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. Outside of his advisory role, he serves as Treasurer on the board of a New York City apartment cooperative. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers recommendations on a non-discretionary basis, combining institutional advisory operations with brokerage and investment management capabilities.

Greyson Pendery is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and with five years of industry experience. His work history includes roles at Morgan Stanley since 2019 and prior employment at Highland Country Club. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory services supported by firm-approved tools and research methodologies.

Michael Velzo is a financial advisor with LPL Financial in San Francisco, CA, holding a Series 66 designation and 10 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Kenneth Tang is a CFP® and Series 66 licensed financial advisor with seven years of industry experience. He has been with UBS Financial Services since 2018 and previously worked at Munchery. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Camille Raffenne is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has previously worked at UBS Wealth Management and Lisan Finance. Camille is based in San Francisco, CA. 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 a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Chi Ling Gillian Yu is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models developed by its Global Investment Committee.

Bronwyn Bailey is a financial advisor at J.P. Morgan Securities in San Francisco, holding a Series 66 designation. She has been with J.P. Morgan Securities since 2025 and has prior experience at JPMorgan Chase Bank, First Republic Bank, BB Advisors, and the American Investment Council. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Hall is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 26 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, focusing on investment policy statements, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Hsun Yi Shih is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds Series 63 and Series 65 designations and has been associated with West Portal Financial Group, LLC and Raymond James Financial Services since 2016. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of implementation strategies and firm research to tailor recommendations.

Alyssa Drew is a Series 66-registered financial advisor with Morgan Stanley in San Francisco, CA, with 10 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014 and Morgan Stanley Private Bank, N.A. since 2017. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with a range of investment and financial products offered alongside its advisory services.

Brian Mcadams is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2014, currently serving at Morgan Stanley Private Bank, N.A. in San Francisco, CA. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services including structured planning conversations and strategies for estate and retirement planning.

Jeffrey Wold is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2004, having been recruited from Smith Barney. In his role, Jeffrey utilizes a comprehensive process to understand clients' financial situations and design customized strategies. His approach focuses on organizing, prioritizing, and helping clients realize their financial goals. His client focus areas include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Socially Responsible and Values-Based Investing, as well as Individual and Corporate Investment Strategy. Jeffrey holds the Personal Investment Advisor (PIA) designation. He earned his high school diploma from Redwood High School. Outside of his professional work, Jeffrey enjoys outdoor activities such as boating, camping, fishing, hiking, scuba diving, skiing, swimming, and spending time with his family. He is also a PADI Scuba Instructor.

Nandi Gunning is a Private Wealth Manager at Merrill Private Wealth Management, where she works with a select group of families, individuals, and entrepreneurs. She focuses on helping clients use their significant wealth to pursue their goals and aspirations at every stage of their lives. Nandi provides guidance in areas such as cash-flow analysis, tax-efficient portfolio management, strategies for concentrated stock, retirement planning, and wealth transfer to the next generations. She also advises business owners on strategies for selling or passing on their businesses. Nandi joined Merrill in 2022 after eight years as a financial advisor and portfolio manager at Morgan Stanley. Her prior experience includes roles as a principal consultant at a global consulting firm, a senior equity analyst for a single-family investment office in San Francisco, and an auditor at PriceWaterhouseCoopers. She holds the Chartered Financial Analyst® (CFA®) designation, as well as certifications as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She is a member of the CFA Institute and the CFA Society of San Francisco, where she mentors university students for the annual CFA Institute Research Challenge. Nandi earned a B.S. degree in management studies from the University of the West Indies and an MBA from Harvard Business School. She serves on the steering committee of HBS Community Partners of Northern California and is involved with professional organizations including the ACLU, American Red Cross, and One Love Foundation. Nandi resides in San Francisco with her husband and their long-haired German Shepherd.