Wenqin Sun is a financial advisor at Merrill with seven years of industry experience. Sun holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities LLC and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through its 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.

Joseph Yapaola is a CFP® professional with 14 years of experience in the financial services industry. He is currently with Ameriprise Financial Services, LLC and has prior experience with Wells Fargo Clearing and BancWest Investment Services. He serves on the Board of Directors for the Sequoia Hospital Foundation in Redwood City, CA. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing advice focused on income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research, third-party data, and investment options influenced by affiliated product ecosystems.

Nicholas Sexauer is a financial advisor with Charles Schwab in Menlo Park, CA, holding Series 63 and Series 66 credentials and having 13 years of industry experience. He has been with Charles Schwab since 2011 and Charles Schwab Bank SSB since 2014. Charles Schwab & Co., Inc. 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 operates with a primarily non-discretionary client relationship model, offering multi-asset model portfolios alongside discretionary separately managed accounts managed by an affiliate, Charles Schwab Investment Management.

Masood Niazi is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Citigroup and Merrill. Outside of his advisory roles, he has experience operating a business in import and export. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a framework that may incorporate ESG considerations.

Shani Hatcher is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. Prior to that, she was with Wells Fargo Clearing and Wells Fargo Investments. In addition to her advisory role, she owns a retail and online business called Shani's Living Creations. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment modeling to support its advisory services.

Alice Kwok is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 credential and 24 years of industry experience. She has been with Merrill for 25 years. 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.

Walter Lim is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he owns a rental property in Kapolei, Hawaii. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kirk Cowan is a financial advisor at Edward Jones with eight years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Doric Realty Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products, supported by a network of more than 23,700 financial advisors nationwide.

David Michael Shaw is a Series 66-licensed financial advisor with UBS Financial Services in San Francisco, CA, where he has worked since 2015. He has 12 years of industry experience. He serves as a Naval Reserve Officer in the U.S. Navy Reserve. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients.

Peter Dobrus is a financial advisor with Equitable Advisors in San Francisco, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Dobrus is also involved with various outside insurance companies. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of investment professionals and third-party managed programs.

Larry Thomas is a financial advisor with UBS Financial Services in Palo Alto, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Rylee Desin is a financial advisor with UBS Financial Services in San Francisco, holding a Series 66 designation and six years of industry experience. Prior to UBS, Desin held positions at Bank of America, Merrill, and has academic experience at the Kelley School of Business and Indiana University. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, utilizing proprietary capital market models and research to tailor financial plans and portfolio management to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad platform including fee-based financial planning, discretionary management, and capital markets activities.

Mary Foust is a financial advisor at Merrill with 40 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2002 and Bank of America since 2009. Outside of her advisory role, she serves as Treasurer, Board Member, and Director of Sausalito Beautiful, a charitable organization focused on creating and protecting public green spaces in Sausalito, California. 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, and various institutional investors.

Jeffrey Traum is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley and its related entities since 1997, including over a decade at Morgan Stanley Private Bank. Traum serves as a board member of the Palo Alto Police Foundation and is on the advisory board for the Stanford Medicine Community Council. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that incorporates firm-approved tools and modeling techniques.

William Breck is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009. 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 and tailored financial planning, managing approximately $2.74 trillion in client assets.

Michael Grinnell is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has worked at Merrill since 1978 and has been affiliated with Bank of America since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution services. The firm leverages a broad range of program strategies and integrates closely with Bank of America affiliates to support trading, lending, and capital markets activities.

Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. She works closely with clients to understand their unique circumstances, priorities, and long-term goals, aiming to build personalized plans that align with their vision for the future. She regularly reviews client progress and discusses strategies to improve outcomes or reduce risk, with the goal of helping clients feel confident and secure about their financial future. Martha has extensive experience in financial services, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023, Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. She holds a California Insurance License. Outside of her professional work, Martha has an interest in art, football, golf, and traveling.

Melissa Talingdan is a financial advisor at Morgan Stanley in San Francisco, with 18 years of industry experience. She holds Series 63 and Series 66 registrations and previously worked at LPL Financial from 2015 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Glenn Fama is a financial advisor with Wells Fargo Advisors in San Francisco, CA, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he owns and operates Fama Capital Wealth Management, a practice based in San Francisco. 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 investment and financial planning services, utilizing proprietary research and tools to deliver tailored recommendations across various planning needs.

Jennifer Siciliano is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2010. Outside of her advisory role, she is a partner in R. Bennett Limited Partnership, involved in agriculture and real estate activities. 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. The firm emphasizes structured financial planning supported by its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.