Wai Teng Ho is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 65 and Series 63 credentials and has worked at JPMorgan Chase Bank, N.A. since 2015. Prior to this, he was involved with Freda's Design for nine years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their offerings include written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Samuel Grenning is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Fidelity Investments since 2015. Based in San Francisco, CA, he holds the Series 63 designation. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and the use of AI-driven research methods.

Stuart Collett is a financial advisor with UBS Financial Services in San Francisco, holding a Series 66 designation and 17 years of industry experience. He has been with UBS since 2015. UBS Financial Services Inc. 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, model-based asset allocations, and a variety of financial planning and portfolio management offerings.

Ashley Evans is a CFP®-certified financial advisor with 18 years of industry experience. She is currently with Morgan Stanley in San Francisco and has previously worked at JP Morgan Chase, First Republic, Bank of America, and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Tanner Curley is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with J.P. Morgan Chase Bank NA and J.P. Morgan Securities LLC since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and utilizes forward-looking capital market assumptions to develop model asset allocations.

William Morthel is a Series 66-registered financial advisor with Morgan Stanley in San Francisco, CA, bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and previously worked at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he owns rental property in Southern California, which he manages passively through a property management company. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs including tailored financial planning supported by firm-approved tools and research from its Global Investment Committee.

Kwadwo Adutwum is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and 18 years of industry experience. His career includes roles at Bank of the West, BancWest Investment Services, CITIGROUP, Prudential Insurance Company of America, USAA Financial Planning Services, J.P. Morgan Securities, and MSI Financial Services. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services including estate planning strategies and corporate financial planning agreements.

Molly Mckenna Redfield is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank since 2017. Prior to this, she worked at Groupon and attended the University of Colorado Boulder. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools along with input from its Global Investment Committee to support client financial plans.

Justin Skoryi is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2004, with additional experience at UBS Financial Services and First Republic Investment Management. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Stuart Burden is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and two years of industry experience. His prior roles include positions at First Republic and the Silicon Valley Community Foundation, as well as self-employment with SCB Consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating an ESG framework and leveraging broader derivatives and commodities capabilities.

Michael Carvalho is a Financial Consultant at Fidelity Investments, a position he has held since 2025. He has a comprehensive background in financial services, having worked in various roles at Fidelity Investments since 2019, including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he served as a Practice Manager at Ameriprise Financial from 2014 to 2019. Throughout his career, Michael has focused on helping individuals and families achieve their financial goals by understanding their investment objectives and motivations. He holds a California Insurance License, which supports his advisory capabilities. Outside of his professional work, Michael enjoys attending concerts, engaging in fitness activities, visiting museums, traveling, spending time with pets, and volunteering in his community.

Marianah Cecchi is a financial advisor with Wells Fargo Clearing in Oakland, CA, holding a Series 66 designation and two years of industry experience. Her prior work experience includes roles at Bank of America, Merrill, Wells Fargo, and Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, leveraging research from the Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory in their investment approach.

Katherine Chappell is a financial advisor with Ameriprise in Redwood City, CA, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliates since 2002. Outside of her advisory role, she owns Triple F Training, a horse training business, and serves as Treasurer on the Hacienda Gardens Board of Directors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing annual planning advice focused on income and tax-aware withdrawal strategies.

Kuan Wang is a financial advisor at Merrill with 14 years of industry experience. He has held roles at Merrill since 2017 and previously worked at UBS Financial Services from 2015 to 2017. He holds Series 63 and Series 65 licenses and is based in San Mateo, 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 both model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bennett Cale is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Cale Financial Management and Nwf Advisory Services Inc. He manages Secrets South LLC, a real estate business based in Hawaii. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering financial planning services supported by firm-approved tools and research, with approximately $2.74 trillion in client assets under management.

Tamika Workmon is a Wealth Management Planning Consultant at Fidelity Investment, a position she has held since 2021. In this role, she partners with clients and their Wealth Management Advisors to understand legacy goals and build customized financial plans tailored to individual needs. Her approach emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Tamika has accumulated experience as a Financial Advisor, having worked at MassMutual from 2019 to 2021 and Merrill Lynch from 2011 to 2013. She holds insurance licenses in Arkansas and California. Outside of her professional work, Tamika's personal interests include football, socializing with friends, spending time at the lake, singing, softball, and swimming.

Caitlin Chan is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. Her prior roles include positions at Capital Group – American Funds Distributors, Inc., Patreon, and the University of California, Berkeley. Outside of her advisory work, she sells used clothing and other items on Mercari. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with implementation support from affiliated investment-management entities.

Bob Austrian is a financial advisor with J.P. Morgan Securities based in San Francisco, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He previously worked at Neuberger Berman LLC for 13 years and continues to hold a passive ownership interest related to his prior employer. Austrian also serves as Treasurer and Board Member of a New York City apartment co-op. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research and includes expanded derivatives and commodities capabilities.

Greyson Pendery is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and with five years of industry experience. His work history includes roles at Morgan Stanley since 2019 and prior employment at Highland Country Club. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and investment advisory services supported by firm-approved tools and research methodologies.

Mark Varo is a Private Wealth Advisor with Merrill Private Wealth Management. He serves high-net-worth and ultra-high-net-worth families and individuals, focusing on managing the complexities and opportunities associated with significant wealth. Mark has been a part of the financial services industry since 1993 and joined Merrill in 2012. Throughout his career, Mark has developed expertise in areas including tax minimization strategies, financial strategies, restricted securities, intergenerational wealth transfer, and private family foundations. He also possesses considerable experience advising clients before and after liquidity events such as initial public offerings, mergers, acquisitions, and sales. Additionally, Mark facilitates access to Bank of America specialists to support sophisticated lending strategies and estate planning services. Mark earned a bachelor's degree in business administration from San Diego State University. He lives in Santa Monica, California, with his wife Melissa and their three children. In his free time, he enjoys golf and participates in local social and philanthropic organizations.