Xiaolin Cai is a financial advisor with UBS Financial Services in San Francisco, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2022, Xiaolin worked at Latch & So Chiropractic and has experience in educational roles at San Francisco State University and Abraham Lincoln High School. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm leverages proprietary research and institutional trading capabilities alongside wealth management services.

Robert Warren is a financial advisor at UBS Financial Services with four years of industry experience. He previously worked at Passport Capital and Coastland Capital. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

Greg Werner is a financial advisor at Morgan Stanley with 38 years of industry experience. He has been with Morgan Stanley since 2014 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models to support client financial planning.

Kyle Williams is a financial advisor at UBS Financial Services with seven years of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to UBS, he was employed at JPMorgan Securities and JPMorgan Chase Bank from 2018 to 2022, and at Oracle Corporation from 2016 to 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and delivers advisory work through a network of Financial Advisors who use proprietary research and model-based asset allocations.

Robert Kraut is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Boardriders Retail Inc. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Philip Topacio is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2016 in San Francisco, CA. UBS Financial Services 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, leveraging proprietary research and model-based asset allocations to tailor client plans.

Stefan Jung is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with two years of industry experience. His prior work includes roles at AutoDesk, Livingston Ventures, LivePerson, and entrepreneurial activity with 1495 JF LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers advisory programs focused on tailored financial planning and manages approximately $2.74 trillion in client assets.

Victor Chan is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has previously worked at Oliver Wyman and Merrill Lynch, among other firms. He also attended Stanford University and the London School of Economics. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools alongside a broad array of retail and institutional offerings.

Christopher Gillette is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Debi Chen is a Series 66-credentialed financial advisor with UBS Financial Services in San Francisco, CA, where she has worked since 2010. She has 22 years of industry experience. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and supports its advisors with proprietary research and model-based asset allocations.

Kent Matson is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing tailored wealth management services to individuals, families, and companies. He leverages Merrill's resources to develop personalized financial strategies that consider each client's risk tolerance, time horizon, liquidity needs, and overall investment goals. Kent's services include retirement planning, executive compensation strategies, stock option management, college savings, estate planning collaboration with attorneys and CPAs, liability management, and coordinating risk management strategies involving life and long-term care insurance. Kent has been with Merrill since 2010, following a tenure as a financial advisor at Axa Advisors where he specialized in qualified retirement plans (401k/403b). He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ (CRPC) designation from The College for Financial Planning Institutes Corp. Additionally, he has earned the Personal Investment Advisor (PIA) designation. Kent earned his bachelor's degree from San Francisco State University. In addition to his professional work, Kent is committed to community involvement, reflecting Merrill’s tradition of supporting the communities it serves. His personal interests include adventure sports, biking, billiards, chess, cooking, and music.

Shellin Young is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2004. 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.

Joan Getsinger is a financial advisor at Morgan Stanley with 46 years of industry experience. She has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. She holds Series 63 and Series 65 designations. 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 supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Lindsey Wetzel is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and over 22 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2014. Outside of her advisory role, she is involved in property management activities related to rental real estate. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Chelsea Spenser is a financial advisor at Merrill with 11 years of experience at the firm and holds a Series 66 designation. She owns a small business called All Wrapped Up, which sells handmade flannel blankets on Etsy. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individuals and institutions.

Zachary Blumenthal is a CFP®-certified financial advisor with eight years of industry experience. He is currently with Fidelity and has previously worked at Charles Schwab, TD Ameritrade, Citigroup, and Wells Fargo. Outside of his advisory work, he has worked as an Uber Eats delivery driver. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research combined with quantitative and algorithmic methods in its investment process.

Mickey Hong is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers a variety of planning tools and services, including guidance based on Global Investment Committee estimates and Monte Carlo simulations.

Mary Dusablon is a financial advisor with RBC Capital Markets in San Francisco, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining RBC in 2018. Outside of her advisory work, she operates a holistic healing practice specializing in EFT tapping. RBC Wealth Management serves a diverse client base, including individual investors, institutions, and charitable organizations, offering a range of advisory programs with discretionary and non-discretionary portfolio management tailored to clients’ risk profiles.

Lori Kwok is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of her advisory role, she is a commissioned notary public in Pleasanton, CA. 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 advisory process is IPS-driven and based on modern portfolio theory, including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Stacy Tjitradi is a financial advisor with Wells Fargo Clearing in San Francisco, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Bank since 2005 and has been with Wells Fargo Clearing since 2016, including five years at 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 services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.