Roberta Mendoza is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and previously worked at Cerity Partners LLC and Bingham, Osborn, & Scarborough, LLC. Mendoza also spent time working with the San Francisco Unified School District and took a personal sabbatical for family care. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and structured discovery conversations.

Janet Barnes is a financial advisor with Stifel in San Francisco, holding Series 63 and Series 66 designations and 23 years of industry experience. She has been with Stifel since 2012. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

De Hao Wang is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 licenses and having three years of industry experience. His prior firms include Bank of America, Wells Fargo, Citibank, Bank of the West, and Chase. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Achard is a financial advisor at LPL Financial with five years of industry experience. He holds a Series 66 designation and has worked at notable firms including BMO Harris Bank, Bank of the West, and BNP Paribas. Based in San Francisco, CA, Mr. Achard has a background that spans both banking and financial services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset management, and institutional platforms.

Kevin Schaefer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes roles at Bank of America and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to support its investment approach.

Lary Fukunaga is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 1999. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jaclyn Andrews is a Series 66-licensed financial advisor with nine years of industry experience. She is currently with Morgan Stanley, where she has worked since 2016 across several affiliated entities, including Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Prior to joining Morgan Stanley, she worked at Wells Fargo Clearing Services, LLC and First Republic Investment Management, Inc. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and 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 aimed at modeling financial outcomes without providing direct security recommendations as part of standalone plans.

Christina York is a financial advisor at Charles Schwab with 15 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Charles Schwab and Charles Schwab Bank in 2018, she worked at Neuberger Berman LLC for five years. She currently serves on the homeowners association board for her condominium building. Charles Schwab 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a wide range of investment guidance supported by centralized operational and custody infrastructure.

Michael Shih is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has prior experience at Equitable Advisors, LLC. His background also includes roles outside finance, including work at Island Orthodontics and time spent at the University of California Davis. 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, and institutional investors, supported by internal and third-party portfolio management teams.

George Ly is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley, Patelco, and Chase Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored portfolio management strategies implemented through a combination of in-house and third-party investment managers.

Jennifer Tuttle is a Series 66-registered financial advisor with 17 years of industry experience, currently with Merrill in San Francisco. She has worked at Merrill since 2011 and holds a concurrent position at Bank of America. Outside of her advisory role, she serves as a non-voting member of the Finance Committee at the San Francisco Yacht Club, a 501(c)(7) social and recreational organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Echo Chen is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has been with UBS Financial Services since 2016. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, 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 investment plans.

Patrick Benson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2014 and applies a comprehensive approach to wealth management that begins with understanding clients’ financial situations, family dynamics, and priorities. Patrick helps create customized, flexible strategies that adapt to clients’ needs and changing market conditions, leveraging the investment insights of Merrill and the banking services of Bank of America. His client focus includes Corporate Executive Services, Equity Compensation Services, Family Wealth Management Strategies, Liquidity Management, and Managing New Wealth. Patrick holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Amherst College. Raised in the Sacramento River Delta, he attended college on the East Coast and eventually returned home to begin his career. Patrick is actively involved in his community through volunteering and fundraising with organizations such as Active 20-30 Club #1 and the Walnut Grove Fire Department. Outside of work, he participates in basketball, football, golfing, and refereeing local college and high school basketball games. He communicates with clients in English, German, and French.

Joshua Newsom is the Vice President and Branch Leader at Fidelity, a role he has held since 2023. In this capacity, he oversees, coaches, and supports a team of financial advisors and planning partners who provide comprehensive financial planning and guidance to Fidelity clients. He has progressive experience within Fidelity, having served in positions including Assistant Branch Leader (2022-2023), Team Leader for Fixed Income and Client Services, Financial Consultant, Investment Consultant, Investment Solutions Representative, and Customer Relationship Advocate, spanning from 2016 to the present. This career progression highlights his expertise in client services, investment solutions, and team leadership within the financial services sector. Joshua holds a California Insurance License. Outside of his professional responsibilities, his personal interests include comedy, food, social events with friends, movies, singing, and theater.

Yifei Chai is a Series 66 licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities, Yifei held roles at JPMorgan Chase Bank, N.A., Huatai United Securities, and Huagai Capital. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a non-discretionary approach that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and offers access to a broad range of products through its affiliation with the wider J.P. Morgan organization.

Kevin Rucker is a Series 66-credentialed financial advisor with nine years of industry experience. He currently works at LPL Financial and previously held roles at San Francisco Fire Credit Union and Cuso Financial Services. Outside of his advisory work, he is involved in baseball coaching through the PitcherPerfect Baseball Academy in San Francisco. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of strategic and tactical investment options and technology tools.

Tzetang Ting is a Series 66-licensed financial advisor with four years of industry experience, currently affiliated with Cetera in San Francisco, CA. His prior experience includes roles at East West Bank, Deloitte Taiwan, and self-employment, along with a position at UCSD. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options and access to third-party money managers, managing over $256 billion in assets through a nationwide network of advisors.

James Schembs is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He previously worked at BMO Capital Markets Corp. and Zachary Scott & Co. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, providing financial planning and investment services supported by firm-approved tools and a comprehensive investment process.

Sean Pipkin is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley since 2009 and currently works at Morgan Stanley Private Bank, N.A. in San Francisco. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outlook estimates.

Ron Mizrachi is a financial advisor at Merrill with seven years of experience in the industry. He holds a Series 66 license and has previously worked at Union Bank and Wells Fargo Bank. Based in San Francisco, CA, he has been with Merrill since 2019. 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 developed by internal and third-party managers.