Aaron Pence is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and bringing 21 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007 and is also involved with Bartenders Unlimited outside of his financial advisory career. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Sarai Anderson is a Series 66-credentialed financial advisor with 13 years of industry experience, currently affiliated with Morgan Stanley in San Francisco, CA. Her prior roles include positions at JPMorgan Chase Bank NA and Edward Jones. Outside of her advisory work, she serves on the finance committee of the Teddy Bear Cancer Foundation, a nonprofit focused on children’s health and welfare. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, emphasizing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and via corporate partnerships.

Jaime Aguilera is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Jaime works one-on-one with clients to define their financial goals and develop personalized portfolio strategies designed to help achieve those goals. Jaime focuses on building long-term relationships through trust and communication, providing ongoing advice as clients' situations evolve. Jaime's expertise includes areas such as college education planning, employee benefits planning, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. Jaime holds a Bachelor's Degree from the University of Arizona and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jaime provides services in both Spanish and English. Outside of work, Jaime has interests in baseball, basketball, bowling, cooking, and running.

Eric Ethington is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable breadth of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Collin Kahal is a financial advisor with Equitable Advisors in San Francisco, holding a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2022, he worked at Washington University in St. Louis and has a background that includes roles in sports training and coaching. He serves as an assistant baseball coach for Miramonte Baseball in Orinda, CA. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored client solutions.

Iriana Lee Hung is a financial advisor at J.P. Morgan Securities in San Francisco, holding Series 66 and Series 63 licenses with two years of industry experience. Her prior work includes roles at Amazon, UCLA Health, and various community organizations such as the Jewish Vocational Service and the Japanese Community Youth Council. She has also been involved with student government at UCLA and operated a small business, Joe's Ice Cream. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Nancy Chu is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses and having 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual 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.

Fook Hin Teoh is a Wealth Management Advisor with Merrill Lynch Wealth Management who joined the firm in 2007. He specializes in wealth planning and investment needs for individuals, families, and small businesses, focusing on legacy planning, personal retirement planning, and retirement income. Teoh develops personalized financial strategies by evaluating clients’ risk tolerance, time horizon, liquidity needs, overall investment goals, and associated costs. Teoh graduated magna cum laude from San Francisco State University in 2004 with a Bachelor’s degree in Business Administration and a concentration in Information Systems. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., and is also designated as a Personal Investment Advisor (PIA). He is a member of the Asian Leadership Network and is licensed through Merrill Life Agency in California. Born and raised in Malaysia, Teoh has lived in the Bay Area for over 20 years. He speaks English, Mandarin, and Yue (Cantonese). Outside of his professional role, he enjoys spending time with his family, watching movies, and practicing yoga.

Michael Meyers is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. He serves as a trustee of his spouse's trust for the benefit of their children. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs a research-driven approach and offers both brokerage and advisory solutions across a broad range of financial products.

Aaron Igel is a financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he worked for nine years at West Coast Wine and Cheese. Outside of his advisory role, he works weekends as a bartender and server at a restaurant in San Francisco. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client portfolios.

Ian Stern is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Comerica Securities and Comerica Bank, where he served as Regional Managing Director for Northern California. Stern is also involved in real estate business ownership through Golden Bay Brokers and holds a real estate license. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service combines proprietary research and third-party data to provide personalized recommendations within a defined investment universe.

Shannon Pidgeon is a financial advisor at Wells Fargo Clearing with a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo in 2020, Shannon worked at Nvidia for five years. Outside of her advisory role, she co-leads the organization Girl Get After It in Bozeman, MT, and is involved with the Olympic Club in San Francisco, promoting physical culture. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with options including discretionary management and a broad range of financial product offerings.

Derek Fowler is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, utilizing financial planning tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

William Vlahos is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at Bank of America and Merrill from 2015 to 2019 before joining LPL Financial in 2019. Vlahos is also involved with JSF Insurance Services as a non-variable insurance producer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jing Wang is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has 22 years of experience in financial services and has helped numerous families with wealth management, portfolio investing, and wealth planning needs. Jing is a qualified Portfolio Manager who develops and manages custom investment strategies to help clients pursue their financial objectives. She holds the Chartered Financial Analyst® (CFA®) designation and other professional credentials including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jing earned her MBA degree from Carnegie Mellon University. She is a member of the CFA Institute and participates in the San Mateo Arboretum Society. Fluent in English and Chinese, she focuses her practice on areas such as equity compensation services, family wealth management strategies, managing new wealth, portfolio management services, women and wealth, individual and corporate investment strategy, and tax minimization. Outside of her professional work, Jing enjoys hiking, music, skiing, tennis, and traveling. She emphasizes a philosophy of deep understanding of clients' financial lives and applying disciplined, innovative strategies tailored to their needs and personalities to help accomplish their goals.

Neil Konigsberg is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he serves as Treasurer and a board member of the San Ramon Valley High School Boosters, which supports the financial needs of the school's athletic programs. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to deliver tailored financial plans and portfolio management.

Spencer Ziemer is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. He previously worked at Exchange Bank and has held various roles in collegiate and competitive soccer organizations. Outside of finance, he owns Spencersells LLC, an online business specializing in the sale of pre-owned and vintage items. 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, and institutional investors.

Victor Ruiz is a financial advisor with Wells Fargo Advisors holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and also has a long tenure at Wells Fargo Bank, N.A. Outside of his advisory role, he owns several rental properties in the San Francisco Bay Area. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services tailored to clients who meet specific net-worth thresholds.

Shannon Tan is a financial advisor at Merrill with 25 years of industry experience and holds the Series 66 designation. Prior to joining Merrill and Bank of America in 2024, Tan worked at JP Morgan Chase bank and J.P. Morgan Securities from 2023 to 2024, and spent eight years at First Republic Investment Management. 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, retirement plans, corporations, and charitable organizations.

Pukar Joshi is a financial advisor at LPL Financial in San Francisco, CA, with nine years of industry experience. He previously worked at Citi and CITIGROUP from 2016 to 2025 and holds Series 63 and Series 66 credentials. Joshi also maintains a role with BMO Harris Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research from multiple sources.