Stephanie Green is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she is involved in healthcare administration at Alta Bates Medical Center and works as a nurse with the Visiting Nurses Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Brendan McGrath is a financial advisor with Equitable Advisors in San Mateo, CA, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He has worked at Equitable Advisors since 2013 and was previously affiliated with AXA-Advisors, LLC. Outside of his advisory role, he is involved as a managing member of Affordable Luxury Rentals - ABC, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

William Benner is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2013, including Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Paul Lefebvre Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held roles at Bank of America and Merrill Lynch from 2011 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Elizabeth Sackett is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 designations and with 30 years of industry experience. She has been with UBS since 1993. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based 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 investment plans.

Jared McCray is a Vice President and Financial Consultant at Fidelity Investments. He focuses on partnering with successful individuals and families to align their wealth with their vision of financial freedom. Jared helps clients create financial plans that identify opportunities, address potential risks, and provide a clear path forward. Through ongoing monitoring, proactive guidance, and strategic adjustments, he assists clients in navigating change while keeping their financial decisions aligned with their goals and values. Jared has extensive experience in the financial industry, having held various roles at Fidelity Investments since 2012, including Financial Representative, Investment Representative, Financial Consultant, and now Vice President, Financial Consultant. Prior to joining Fidelity, he was a Registered Representative at First Investors from 2011 to 2012. He holds a California Insurance License. Outside of his professional work, Jared's personal interests include beach activities, fitness, scuba diving, snowboarding, and traveling.

Xing Liu is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities LLC, Liu worked at JPMCB (China) Co Ltd, Zhong Ou Asset Management, and BNP Paribas. 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 its Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Devenaire Wright is a financial advisor at Charles Schwab based in Oakland, CA, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining Schwab, Wright held positions at several firms including Price Family INEOS Grenadier of Marin and Northwestern Mutual. Before entering the financial industry, Wright worked at Toyota for five years. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Robert Sutton is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. He is based in San Francisco, CA. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services both directly and through employer agreements.

Patrick Waters currently serves as a Planning Consultant at Fidelity Investments, a role he began in 2024. In this capacity, he assists clients in developing effective investment strategies and financial plans that aim to provide them with peace of mind. Prior to joining Fidelity Investments, Patrick held various marketing and leadership positions within the financial services industry. His experience includes roles such as Senior Marketing Consultant at Splendeftly Marketing Consulting, LLC; Head of ESG and Retirement Marketing at Allspring Global Investments - Wells Fargo Asset Management; Head of Defined Contribution Marketing at State Street Global Advisors; Director of Institutional Marketing at BlackRock; and Director of Marketing at Charles Schwab. He holds a California Insurance License. Outside of his professional work, Patrick has interests in art, biking, cooking and baking, enjoying food, movies, and volunteering.

Bruce Mcmillan is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors from 2013 to 2016. Outside of his advisory role, he serves on the investment committee and board of trustees for the St. Andrew’s Society of San Francisco, which promotes Scottish art, culture, and music. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Sturiale is a CFP® with 26 years of industry experience currently with Charles Schwab in Danville, CA. He has held various roles within the Schwab organization since 2012, including positions at Charles Schwab Trust Bank, Charles Schwab Investment Advisory, Inc., and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory solutions supported by a centralized operational structure.

David Lim is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 13 years of industry experience. His prior work includes positions at Bank of America, Citigroup, and First Republic Securities Company. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Vercellino is a financial advisor with Raymond James & Associates in San Francisco, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Prior to joining Raymond James in 2022, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities Inc. for 12 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Blake Welpton is a Wealth Management Advisor with over 25 years of experience in the financial industry. He is dedicated to helping clients achieve their long-term financial goals through a comprehensive and personalized wealth management process. Blake offers expertise in investments, wealth and risk management, retirement planning, long term care, education, divorce, and estate planning services. He provides clients with access to the resources of Merrill Lynch Wealth Management and the banking services of Bank of America. Blake holds the Chartered Financial Consultant (ChFC) and Certified Divorce Financial Analyst (CDFA) designations. He earned a Bachelor's degree from California State University San Francisco. His approach emphasizes personalized service aimed at making the financial aspects of life easier for his clients. Outside of his professional work, Blake enjoys basketball, billiards, boating, bowling, football, gardening, spending time with family, swimming, and traveling. He is active in the community, supporting organizations such as Beyond Emancipation and Children's International.

Victor Tan is a financial advisor at UBS Financial Services with 27 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

David Hines is a CFP®-certified financial advisor with 12 years of industry experience, currently serving clients at Charles Schwab. He has been with Charles Schwab & Co., Inc. since 2014 and Charles Schwab Bank, SSB since 2016, both located 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 and discretionary investment options, integrating multi-asset model portfolios, alternative investments, and centralized custodial and brokerage services.

Kenneth Tarrant is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Matthew Swimmer is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, he has worked in various roles across retail, hospitality, and education sectors. Outside of finance, he operates a small online resale business focused on watches and accessories. Merrill, along 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 individuals, high-net-worth clients, and institutions.

Brett Villaume is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Dogpatch Wealth, Pacific Premier Bancorp, and Opus Bank. Villaume serves as an adjunct professor at Golden Gate University and is secretary of the Technical Analysis Educational Foundation, a nonprofit educational advocacy group. He is also treasurer of the Dogpatch Neighborhood Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers and LPL programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.