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.

Ann Fitzpatrick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as vice president and secretary of her residential homeowners association and participates in market research focus groups. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit options in its investment menus.

Matthew Tarantino is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2018. Prior to this, he worked at the University of the Pacific from 2016 to 2018. Outside of advising, he serves as an assistant baseball coach at Marin Sports Academy. 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 advisors. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios and research from internal and third-party sources.

Hsiu Hsin Yao is a financial advisor at UBS Financial Services with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including 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 client solutions.

Andrew Peterson is a financial advisor with Stifel in San Francisco, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. Outside of his advisory work, Peterson pursues photography, selling some images as stock photography and fine art, and serves as co-chair of the waitlist committee for The Guardsmen, a charitable organization. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services based on a proprietary methodology developed by its Investment Strategy Group.

Douglas Howe is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in managing new wealth, small business strategies, and retirement income. With 40 years of experience in the financial services industry, he has been with Merrill Lynch since 2004 and previously worked for 15 years at Kidder Peabody. Douglas focuses on serving ultra high net-worth individuals and business owners, helping them develop personalized financial strategies. He holds a bachelor's degree in Social Sciences and Economics from the University of California, Berkeley, earned in 1982, and holds the Personal Investment Advisor (PIA) designation. Douglas’s approach to wealth management emphasizes goal setting, asset allocation, and responsible investing. He prioritizes understanding each client’s financial situation and personal priorities to deliver tailored advice and service. Outside of his professional work, Douglas is involved in several organizations, including the Green Hills Golf Club, Olympic Club, and the San Francisco Grid Club at the University of California. His personal interests include baseball, golfing, and hiking. Additionally, he participates in community volunteering as part of Merrill’s tradition of service.

Riley Mitrick is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked in various roles within Charles Schwab since 2024, including positions at Charles Schwab Bank and Charles Schwab & Co., Inc. Prior to joining Schwab, he gained experience at IRI Consultants and General Nutrition Centers, Inc. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory 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 multi-asset model portfolios and research from the Schwab Center for Financial Research.

Anthony Christon Quao is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 credentials and has 10 years of industry experience. He has worked with Morgan Stanley since 2015 and has been with Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Catherine Rachford is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley since 2009 and holds the Series 63 and Series 66 credentials. Based in San Francisco, CA, she works within a large institutional firm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

John Orofino is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 designations and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Anne Briggs is a financial advisor with Equitable Advisors in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of her advisory role, she is involved with various outside insurance companies. Equitable Advisors serves individual investors across wealth levels, retirement plan sponsors and participants, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Stephen Marotto is a CFA® charterholder and holds a Series 63 license with 13 years of industry experience. He is currently with Morgan Stanley, having worked in various roles within the firm and at First Republic Wealth Advisors and related entities from 2008 to 2023. 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 investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate agreements.

Sifa Butcher is a financial advisor at UBS Financial Services with Series 63 and Series 65 credentials. Based in San Francisco, CA, Sifa joined UBS in 2025 and has no prior industry experience. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.

Joseph Cahill is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 credential and 12 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014 and currently works at Morgan Stanley Private Bank, N.A. His background is solely within Morgan Stanley-affiliated entities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured processes and firm-approved tools.

Jessica Newman is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2017, including roles at Morgan Stanley Private Bank. Prior to that, she was employed at LB Steak from 2015 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a variety of advisory programs and tailored financial planning solutions. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its financial planning process.

Jason He is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and one year of industry experience. His prior work includes several roles at Bank of America, N.A. Between 2015 and 2017, he also studied real estate. Outside of his advisory role, he manages a family-owned business, serving as managing member of an LLC involved with residential and commercial rental property. 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 institutions.

Jeffrey Burke is a financial advisor with UBS Financial Services, holding the Series 66 designation and bringing 23 years of industry experience. He has been with UBS since 2002. Outside of his advisory work, he serves as an investment manager and trustee for family trusts. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a broad array of capital markets services.

Ashley Cosio is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Schwab, she worked at the University of California and Starbucks. She is based in San Francisco, CA. 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. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Daniella Jordan is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She previously worked at ICONIQ Capital, LLC, Morgan Stanley Smith Barney LLC, and Goldman Sachs. Outside of finance, Daniella has experience in the hospitality and education sectors, including roles at Tufas Boulder Lounge and Rosemont College. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.