Martha Madrid is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1979. With over 40 years in the financial industry, she focuses on providing a comprehensive approach to wealth management that begins with understanding each client's unique financial situation and personal priorities. Martha helps clients develop customized and flexible strategies that can adapt to changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. Her areas of expertise include college education planning, personal retirement planning, and addressing the financial needs of women and wealth. Martha holds the Personal Investment Advisor (PIA) designation and completed her high school education through the State of New Jersey Department of Education. She lives in the Bay Area and balances her professional responsibilities with personal interests such as traveling, cooking, tennis, dancing, sewing, and watching movies. Martha is also committed to community involvement, volunteering with local organizations in line with Merrill's tradition of service.

Laureen Schiller is a financial advisor at Merrill with Series 63 and Series 66 credentials and 24 years of industry experience. She has worked at Merrill since 2009 and has been associated with Bank of America since 1986. Outside of her advisory role, she owns Our Lulu Legacy, LLC, a family beach house that is occasionally used for short-term rentals. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, and other fiduciaries. The firm integrates its investment services with the broader Bank of America platform, including access to derivatives, lending, and custody services.

Stephanie Wong is a financial advisor at Raymond James & Associates with 25 years of industry experience. She holds a Series 66 designation and has worked at UBS Financial Services and Robert Baird & Co. prior to joining Raymond James. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm offers wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, with a notable presence in municipal and public finance.

Ryan Falk is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at Stifel, Nicolaus & Company Inc. for seven years before joining J.P. Morgan Chase Bank N.A. and J.P. Morgan Securities in 2020. He holds a Series 66 designation. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Aimee Hazelwood is a financial advisor at RBC Capital Markets with nine years of industry experience. She holds the Series 66 designation and previously worked at First Republic Investment Management, Inc. and First Republic Securities Company, LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside access to alternative investments and integrated financial services.

Xu Wang is a CFP® professional affiliated with LPL Financial in San Francisco, CA, with 19 years of industry experience. He has been with LPL Financial since 2013. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management supported by research and model portfolios.

David Williams is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2018 and has prior work experience with Target and Sonoma State University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques.

Scott Harrison is a CFP® professional with 25 years of industry experience, currently serving at Merrill since 2009. He is also affiliated with Bank of America, N.A. since 2006. Based in San Francisco, he holds Series 63 and Series 66 licenses. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers various model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Annie Louie is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. She has been with Merrill and Bank of America, N.A. since 2016. Outside of her advisory role, she is the sole owner of a rental property investment in Richmonds Hill, Georgia. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension plans, and corporate fiduciaries. The firm offers a variety of model-based and discretionary investment strategies and is integrated into Bank of America’s broader corporate platform.

Nersi Boussina is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he has a long-standing involvement with the San Francisco Recreation & Park Department since 1989. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers financial planning and advisory services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using proprietary tools and market outlook models.

Justin Allen is a financial advisor with Charles Schwab in Oakland, CA, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB since 2022. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management and financial planning services. The firm is notable for its scale and integrated structure, combining brokerage, custody, and advisory services with access to alternative investments and multi-asset model portfolios.

Michael Mohaghegh is a financial advisor with Wells Fargo Clearing in San Francisco, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he volunteers with the Foundation for Financial Planning, assisting individuals in financial hardship by explaining financial aid and unemployment benefits. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jazmin Soriano is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Bank, nA since 2018. Her prior roles include positions at click away verizon and metro Pcs. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to guide its investment approach.

Sophia Sun is a financial advisor with Charles Schwab in San Francisco, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Charles Schwab since 2009, including roles at Charles Schwab Trust Bank, Premier Bank, and Charles Schwab Bank, SSB. Outside of her advisory work, she supports her spouse in managing rental property. Charles Schwab 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized custodial and operational systems.

Dominic Colabianchi is a Series 66 licensed financial advisor at Merrill with two years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and spent six years at First Republic Bank. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates a broad range of products and services within Bank of America’s platform.

Parker Cruce is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, J.P. Morgan Securities, Ernst & Young, and Robert W Baird & Co. He has also held positions in education and environmental organizations, including the University of North Carolina and Ducks Unlimited. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates its services with Bank of America’s platform, providing access to a wide range of products and services.

Gioia Mc Carthy is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill and Bank of America N.A. since 2011 and 2012, respectively. Mc Carthy serves as an advisory board member for Jewish Vocational Services, a charitable organization. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based, discretionary, and tax-aware investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Ryan Wahl is a financial advisor at Charles Schwab based in San Francisco, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he worked at Equitable and has a background that includes roles outside finance such as at Bay Club Courtside and UCSB Recreation Center. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a large integrated operational structure and centralized services.

Chung Yan Ho is a financial advisor at UBS Financial Services in San Francisco, holding a Series 66 designation with six years of industry experience. Prior to joining UBS Financial Services in 2019, he worked at UBS AG from 2012 to 2019. 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 uses proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances.

Li Zhu is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 65 and Series 63 licenses and having five years of industry experience. Prior to his current role, he worked for JPMC Hong Kong Branch for ten years. Outside of his advisory work, Zhu is a financial investor in Sandy Health, a healthcare technology startup focused on using AI to improve efficiency in healthcare systems. J.P. Morgan Securities LLC primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset-allocation advice, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.