Justin Adams is a financial advisor with Raymond James & Associates in San Rafael, CA, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Raymond James & Associates since 2014. 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, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. 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 services. The firm’s 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.

David Johnson is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses with 17 years of industry experience. He previously worked at Blackrock Investments, LLC for 13 years before joining Morgan Stanley and its Private Bank division in 2025. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and models to support outcomes, with clients responsible for implementation and updates.

Meera Raman is a Series 66-licensed financial advisor with 12 years of industry experience. She has worked at Morgan Stanley since 2024 and previously held roles at J.P. Morgan Securities, First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct financial planning and Corporate Financial Planning agreements with employers.

Raphael Anaya is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes positions at Wells Fargo, Mechanics Bank/LPL, and JP Morgan Chase, as well as a brief role outside finance at Mariachi Mexican Grill. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options alongside integrated brokerage, custody, and financial planning services.

Joseph Wraga is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with various Schwab entities since 2013, including Charles Schwab Trust Bank and Charles Schwab Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base of 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, leveraging multi-asset model portfolios and alternative investment options.

Andrew Cooper III is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including experience at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and offers a broad range of investment and financial services.

Markus Stephens is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 designations and eight years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC from 2018 to 2021. 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 and profit-sharing plans, corporations, and charitable organizations.

Colin Murphy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at First Republic Bank and its related entities prior to joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and specialized estate planning groups.

Adam Knott is a financial advisor at LPL Financial with 20 years of industry experience. He previously worked at Citigroup Global Markets for 17 years and has held roles at BMO Harris Bank since 2024. He holds Series 63 and Series 66 credentials. 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 investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Margaret Reid is a CFA® charterholder with nine years of industry experience. She is currently affiliated with LPL Financial and BMO Harris Bank, with previous roles at Citigroup and MUFG Union Bank. Reid is based in San Francisco, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Khalid Bashir is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing Services LLC and Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Angel Chavez is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Chavez is involved in a non-investment-related outside business based in San Francisco. 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 using structured tools and models, managing approximately $2.74 trillion in client assets.

Cristiana Da Silva is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Da Silva is based in San Francisco, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Arben Arifi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and JP Morgan Securities LLC since 2013. 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 a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Claudia Correa is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 15 years of industry experience. She previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Morgan Stanley Smith Barney LLC in 2017. 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, and manages approximately $2.74 trillion in client assets.

John Ritchie is a CFP® with 27 years of industry experience, currently advising clients at Ameriprise in San Francisco. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Shriber is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at LPL Financial, Resolute Investment Distributors, Resolute Investment Services, and American Beacon Advisors. He is a member of the finance committee at École Notre Dame des Victoires in San Francisco. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Candice Soutas is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following 16 years with WELLS FARGO Advisors, LLC. 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 services. The firm’s process 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.

Yun Doreen Ge is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. She has been with J.P. Morgan Securities since 2017 and has involvement in several LLCs, primarily as a passive owner of rental property entities. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.