Kelly York is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is a sole proprietor involved in property management in San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory services.

Benjamin Sutton is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with nine years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017 and previously at Cal Calling Center for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Tony Yee is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., where he spent 24 years. Outside of his advisory role, he is a co-owner of a rental property in Daly City, California. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

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 25 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2009, as well as Bank of America since 1986. Outside of her advisory role, she is the owner of Our Lulu Legacy, LLC, a family beach house used for short-term rental. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Stephanie Wong is a financial advisor with Raymond James & Associates in San Francisco, CA, holding a Series 66 designation and 25 years of industry experience. She previously worked at UBS Financial Services for six years and Robert Baird & Co. for nine 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 individuals, institutions, and municipal entities with financial planning, investment consulting, and fiduciary solutions, delivering tailored, primarily non-discretionary advice supported by a range of portfolio management styles and affiliated research.

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 with 19 years of industry experience, currently affiliated with LPL Financial since 2013. His prior experience includes roles at Wells Fargo Clearing, Edward Jones, and Banc of America Investment Services. Wang also operates Wang Wealth Advisors LLC as a separate business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and significant operational resources.

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® with 25 years of industry experience, currently serving as a financial advisor at Merrill since 2009. He has also been affiliated with Bank of America, N.A. since 2006. Harrison is registered with Series 63 and Series 66 licenses and is based in San Francisco, CA. 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.

Annie Louie is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2016, following brief tenures at Morgan Stanley and Charles Schwab. Outside of her advisory role, she is the sole owner of a rental property business. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

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 financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and First Republic Bank. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Parker Cruce is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior experience includes roles at J.P. Morgan Securities, Ernst & Young, and Robert W. Baird & Co. He has also been involved with Ducks Unlimited. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

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 worked at Merrill since 2011 and Bank of America N.A. since 2012. Mc Carthy serves as an advisory board member for Jewish Vocational Services, a charitable organization based in San Francisco. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.