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 with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Wells Fargo Investments, Citigroup Global Markets, and Citicorp Investment Services. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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.

Mason Stainbrook is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he has been involved in entrepreneurial activities including work with Aesthete Winery & Farm and Black Pig Meat Company. He has also held academic positions at the University of California, Berkeley, Santa Rosa Junior College, and Summerfield Waldorf High School. 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 clients including individuals, high-net-worth clients, and institutional investors.

Thomas Velasquez is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Investments and Wells Fargo Clearing since 2001. Outside of his advisory work, he owns a vacation rental property in Princeville, Hawaii. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Emily Nau is an advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Her prior work includes roles at the University of Colorado Boulder and various service and recreational positions. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Sarah Liston is a Wealth Management Advisor at Merrill Lynch Wealth Management. She provides tailored advice and guidance to individuals, families, and businesses, helping clients implement a thoughtful approach to their wealth. Sarah draws on significant experience in planning and investing, with a focus on areas such as pre- and post-retirement analysis, cash-flow modeling, portfolio design, liquidity event planning, next-generation wealth transfer, and higher-education savings. An attentive listener and CERTIFIED FINANCIAL PLANNER® professional, Sarah begins each client relationship by understanding their unique priorities. She combines integrated planning, investing, and saving strategies to help clients achieve their financial goals. Sarah values enhancing clients' financial literacy by explaining financial concepts clearly and assisting them in making informed decisions. Sarah earned her Bachelor's degree in Business Administration and Social Science from the University of Central Florida. She holds the CERTIFIED FINANCIAL PLANNER® designation and is a Personal Investment Advisor (PIA). In her personal time, Sarah enjoys cooking, music, reading, spending time with 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, with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments, J.P. Morgan Securities, Wells Fargo NA, and other financial firms. 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 modeling techniques.

Qwendalynn Lai is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 18 years of industry experience. Her career includes roles at Wells Fargo Bank NA, Silicon Valley Bank, and SVB Wealth LLC, where she provided wealth management advice. 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 utilizes research and analytics to inform portfolio management and offers a broad range of brokerage and advisory solutions.

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.

Paras Fancy is a financial advisor at Morgan Stanley in San Francisco, CA, with over 11 years of industry experience. He previously worked at Blackrock Investments, LLC for six years and at Exos Financial for four years. He holds Series 66 and Series 63 designations. 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 financial planning services that incorporate structured discovery 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.

Nicole McKay is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she has worked since 2006. In her current role, she serves as a single point of contact for affluent families, focusing on helping them grow, preserve, and transfer their wealth. She emphasizes forming strong relationships with her clients and their families to maintain trust and reliability. Her professional experience includes roles as a Wealth Management Relationship Manager and Financial Representative at Fidelity Investments. Nicole is licensed with the California Insurance License, supporting her expertise in financial and insurance matters. Outside of her professional work, Nicole's personal interests include spending time at the beach, hiking, and parenthood.

Patrick Taylor is a CFP® with 15 years of experience in financial advising. He has been with Morgan Stanley since 2013 and currently works at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.