Laurel Norris is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and four years of industry experience. Her career includes roles at First Republic Securities Company, First Republic Investment Management, Wells Fargo Clearing, and Wells Fargo Bank. 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 and investment management capabilities.

Nicole Lee is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, she was affiliated with the University of the Pacific from 2018 to 2022. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering financial planning and estate planning services supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Brooke Cilley is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at Five9, FabFitFun, World Cup Soccer Camps & Clinics, Temmerman, Cilley, Kohlmann & Norcia, LLP, and attended the University of Michigan. Morgan Stanley Wealth Management offers a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and diverse investment solutions.

Tzipora Henig currently serves as Vice President Private Wealth Management Advisor. She has held this position since 2026. Prior to this role, she worked as a Financial Consultant at Fidelity Investments from 2022 to 2026 and as a Planning Consultant at Fidelity Investments from 2021 to 2022. Her professional experience also includes positions as Head of Advisory Team at ForUsAll from 2019 to 2021 and Manager of Account Support at Human Interest from 2018 to 2019. Tzipora holds a California Insurance License. She is committed to understanding the priorities of her clients to partner with them effectively in achieving their financial goals. She works collaboratively with clients to develop and implement comprehensive, individualized financial plans that align with their core values and beliefs.

Damian Hedley is a Private Wealth Manager with Merrill Private Wealth Management. He advises a select group of ultra-high-net-worth individuals and families, providing coordination and leadership across various aspects of their wealth management. Damian’s expertise includes advising business owners, particularly those considering an exit or who have monetized their businesses. He also works with C-suite executives, assisting with compensation optimization, managing concentrated and restricted stock strategies, and planning for intergenerational wealth transfer.

Joseph Reid is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Focus On The Field and coached youth lacrosse with ADVNC Lacrosse Club. Outside of his advisory role, he continues to coach lacrosse on weekends. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Joseph Nowak is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Merrill since 1989 and also works with 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, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and institutions.

Roger Ho is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 incorporates modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Payne Fama is a financial advisor with Wells Fargo Advisors, holding a Series 66 credential and two years of industry experience. Prior to joining Wells Fargo Advisors in 2023, he worked at USC College and St. Ignatius College Prep. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, using proprietary research and tools to develop tailored recommendations for clients who meet specified net-worth thresholds.

Thomas Velasquez is a financial advisor with Wells Fargo Clearing in San Rafael, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns a vacation rental property in Princeville, Hawaii. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related and bank deposit sweep options among its investment offerings.

Sarah Liston is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to individuals and families. As a CERTIFIED FINANCIAL PLANNER® professional, she assists clients in navigating the complexities of wealth management, including investment management, retirement planning, cash flow strategies, risk management, and legacy planning. Sarah works closely with clients to develop strategies that reflect their unique priorities and adapt to changing life circumstances and market conditions. With a focus on understanding each client's family, values, goals, and financial situation, Sarah aims to connect their wealth to what matters most through attentive listening and personalized guidance. She is committed to building long-term relationships and delivering a high level of service, leveraging the resources and capabilities of Merrill Lynch and Bank of America to help clients stay organized, prepared, and confident in their financial decisions. Sarah holds a Bachelor's Degree from the University of Central Florida and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of her professional role, she enjoys cooking, music, reading, spending time with her family, traveling, and watching movies.

John Amaral is a financial advisor at Merrill with 33 years of industry experience. He has been with Merrill since 1991 and holds the Series 63 designation. 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 and profit-sharing plans, corporations, and charitable organizations.

Miles Hurd is a Series 66 licensed financial advisor with Morgan Stanley in San Francisco, CA, and has three years of industry experience. His prior roles include positions at KeyBank and Morgan Stanley Smith Barney LLC, as well as experience outside the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market simulations.

Natalie Kaylor is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with eight years of industry experience. She has been with Morgan Stanley since 2017, following a brief tenure at Jasper Ridge Partners the same year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and extensive asset management.

Andrea Camahort is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 66 designation and five years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she owns MRJ Home Staging Designs, a home staging business based in Hercules, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including Corporate Financial Planning agreements.

Alejandro Hernandez is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Fidelity Investments, J.P. Morgan Securities, JPMorgan Chase Bank, Wells Fargo, and H&R Block. 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 and employs a structured financial planning process using firm-approved tools and methodologies.

Qwendalynn Lai is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at several firms, including First Citizens Investor Services and Silicon Valley Bank. Her career includes multiple roles within Wells Fargo entities since 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics in its investment approach.

Molly Galasso is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019. Prior to her financial advisory career, she operated a self-employed fitness business for four years. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that use structured discovery processes and advanced modeling tools.

Daniel Mccormick is a financial advisor with Morgan Stanley in San Francisco, CA, holding a Series 66 designation and 21 years of industry experience. His tenure at Morgan Stanley and its affiliates spans from 2009 to the present. He serves as an advisory board member for the District Budget Advisory Committee in the Lafayette School District. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and emphasizes advisory services without individual security recommendations as part of its standalone financial planning.

Westley Cai is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 licenses with seven years of industry experience. He previously worked at Charles Schwab and The Flash Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, such as Monte Carlo simulations, to model investment outcomes.