Mark Howe is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to support its financial planning.

Christopher Harris is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Financial Advocates Investment Management. Outside of his work at LPL, he provides investment advisory services through Financial Advocates Investment Management, an independent firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports investment adviser representatives with model portfolios, third-party asset management, and customized strategies across various account types.

Griffin Barash is a financial advisor at OSAIC with 20 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Woodbury Financial Services, Inc. for 12 years. Barash also operates a sole proprietorship focused on fixed insurance research and sales. OSAIC Wealth serves a wide range of clients, including retail investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and recent consolidation efforts.

Kurt Burkhard is a financial advisor at Morgan Stanley in San Francisco, CA, with 42 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Burkhard holds Series 63 and Series 65 licenses. He serves as president and board member of the Ski Club in San Rafael, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by the firm’s Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ewelina Krubnik is a CFP® with 14 years of industry experience, currently serving as a financial advisor at UBS Financial Services in San Francisco since 2012. Prior to this, she was affiliated with the Mechanics' Institute for 13 years. In addition to her advisory role, she is involved as a distributor with AdvoCare International, LP. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management and leverages proprietary research and model-based asset allocations to tailor client plans.

Milo Gates is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and having 32 years of industry experience. He has worked at various Morgan Stanley entities since 1998, including the Private Bank and Smith Barney divisions. Outside of advising, he is a partner in a family partnership, Gates Tahoe House LLC. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning using structured tools and investment modeling, managing approximately $2.74 trillion in client assets.

Michael Gonzalez is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and having 36 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank since 2015, and previously spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 and methodologies such as Monte Carlo simulations to support its advisory services.

Yontin Teka is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 66 credentials with 12 years of industry experience. Prior to joining Morgan Stanley in 2019, he worked at JPMorgan Securities LLC and JPMorgan Chase Bank from 2014 to 2019, as well as at Amazon.com, Inc. and Syntruck, LLC. Outside of finance, he is involved with Miracle Math, an educational organization based in Fairfield, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individual and institutional clients, including tailored financial planning and estate strategies. The firm uses structured planning tools and models to support client outcomes and manages approximately $2.74 trillion in client assets.

Jack Hoelzer is a Financial Advisor with the Hoelzer Steele Group, a wealth management team within Merrill Lynch Wealth Management. He joined the team in 2021 and works with affluent families across the country to develop comprehensive and goals-based financial plans. Jack collaborates closely with clients' tax and legal advisors and leverages a wide array of investment and banking resources to help simplify clients' financial lives. Jack's expertise includes education planning, employee benefits planning, family wealth management, legacy planning, retirement income strategies, portfolio management, tax minimization, and managing new wealth. He focuses on building multi-generational relationships and next-generation client development, helping clients pursue their goals through customized wealth management strategies that adapt to changing needs and market conditions. Jack received his Bachelor of Arts degree in Economics, with a minor in Film and Media Culture, from Middlebury College, where he also played varsity lacrosse. He holds FINRA Series 7 and 66 registrations, SIE certification, licenses in life, health, and annuity insurance, and the Personal Investment Advisor (PIA) designation. Jack is involved in the community through organizations such as Futures Ignite and Harlem Lacrosse. He lives in Manhattan and enjoys adventure sports including surfing, skiing, golfing, as well as other recreational activities.

Cristofer Lopez Vargas is a CFP® certificant with four years of industry experience. He is currently with Charles Schwab in Corte Madera, CA, having held positions at Fidelity Investments and J.P. Morgan Securities LLC among others. 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 offers both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Denise Easterby is a financial advisor with Charles Schwab in Corte Madera, CA, holding Series 63 and Series 66 credentials and six years of industry experience. Her prior roles include positions at TD Ameritrade, Principal Securities Inc., and law offices specializing in legal services. She previously worked at Principal Life Insurance, where she continues to receive residuals from former insurance product engagements. 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 offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Rosanna Tokar is a financial advisor at Wells Fargo Clearing with eight years of industry experience and holds a Series 66 designation. She has been with Wells Fargo Clearing since 2016. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Salena Tong is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo in various roles since 2003. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Christopher Antipa is a financial advisor with Raymond James & Associates in San Francisco, CA, holding Series 66 and Series 63 licenses and possessing 21 years of industry experience. Prior to joining Raymond James in 2025, he was involved with Knowledge Leaps Disruptions, a data and analytics company, as a non-employee shareholder from 2018 to 2024, and he worked at Itg Inc. from 2008 to 2017. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, providing financial planning, investment consulting, and institutional fiduciary services with a range of portfolio management strategies.

Omar Liu is a financial advisor with UBS Financial Services in San Francisco, holding a Series 66 designation and 18 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Youxi Zeren is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 registrations and bringing 10 years of industry experience. Their career includes roles at Wells Fargo Clearing and Occidental Asset Management, with over a decade serving Wells Fargo Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a variety of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Julia Wan is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 65 licenses and having 29 years of industry experience. She has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor investment strategies.

Robert Burbank is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Burbank serves on the advisory board of the National Center for Ecological Analysis & Synthesis, a nonprofit organization based in Santa Barbara, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and operates various investment and trading activities alongside its planning services.

Aaron Sisk is a CFP® with 28 years of experience in the financial industry. He is currently affiliated with Morgan Stanley and has previously worked at RBC Capital Markets, Bank of America, and Merrill. Outside of his advisory role, he is involved in property management as the sole proprietor of a real estate business in San Francisco. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Brendan Gallagher is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2017 and was previously employed at Bank of America N.A. from 2023 onward. He completed his education at Saint Joseph's University between 2013 and 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm integrates internal Chief Investment Office teams and third-party managers to implement customized portfolio solutions.