Kim Lien Le is a financial advisor at UBS Financial Services with 24 years of industry experience. Prior to joining UBS in 2022, Le worked at Morgan Stanley and Morgan Stanley & Co., Inc. for a combined 15 years. Outside of financial advising, Le owns a home baked goods business called SEN5ES. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Daniella Diaz-Partenach is the Vice President Private Wealth Management Advisor at Fidelity Investments, a position she has held since 2019. She has been with Fidelity Investments since 1999, progressing through various roles including Vice President, Financial Consultant, Retirement Solutions Representative, and Senior Investments Consultant. With 26 years of experience, she works with clients and families to develop, implement, and maintain financial plans aimed at achieving their financial goals. Daniella holds a California Insurance License and has extensive experience in wealth management and financial consulting. Her career at Fidelity Investments has provided her with a comprehensive understanding of investment strategies and retirement solutions. Outside of her professional work, Daniella enjoys spending time at the beach, attending concerts, exploring food, socializing with friends, caring for pets, and traveling.

John Lucas Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He worked at UBS Financial Services Inc. for 17 years prior to joining Raymond James. He serves as a trusted advisor in a client estate plan, assisting with the facilitation of client wishes pursuant to wills and trusts. Raymond James & Associates is a large institution serving individuals, institutional clients, and plan sponsors with financial planning and advisory services. The firm offers a range of portfolio management styles supported by research and is notable for its municipal advisory services and comprehensive affiliate ecosystem.

Jacob Saliba is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63, Series 66, and Series 65 designations. His career includes multiple roles at J.P. Morgan Chase Bank NA and Forge Securities LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Scott Duff is a financial advisor with Stifel in San Francisco, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2012. Outside of his advisory role, he manages rental properties. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Jason Gilman is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 licenses and 32 years of industry experience. His prior roles include positions at NYLIFE Securities LLC, New York Life Insurance Co, Ohio National Financial Services, and Waddell & Reed, Inc. He serves as Membership Chairperson and a voting board member of the NAIFA Greater Bay Area local chapter. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individual, high-net-worth, pension, corporate, and charitable clients using model-based and discretionary investment strategies developed by internal and third-party managers.

Wendy Venegas is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Bank of America and Merrill. Outside of her advisory role, she is a part-owner of residential real estate properties. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Amy Pham is a financial advisor at Morgan Stanley in San Francisco, CA, with eight years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018. Her prior experience includes positions at Bank of the West, the Oakland Raiders, Cal Football Video Services, and the University of California Berkeley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies to support its advisory services.

Erol Tamer is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and has also worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and provides services that range from retail to institutional solutions.

Reynolds Ospina is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at First Republic Securities Company and First Republic Investment Management. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its team of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Mehrdad Azargoshasb is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2014 to 2016. He is based in San Francisco, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory approach is IPS-driven, grounded in modern portfolio theory, and includes both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Ryan Parry is a financial advisor at J.P. Morgan Securities in San Francisco, CA, holding Series 66 and Series 63 licenses with one year of industry experience. His prior roles include positions at UBS, Symmetry Financial Group, and JPMorgan Chase Bank, N.A. Outside of finance, he has been involved with Monterey Peninsula Country Club and Tehema Country Club for several years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling, centralized due diligence, and an ESG eligibility framework.

Chloe Bui is a financial advisor at UBS Financial Services with one year of industry experience. She holds the Series 66 designation and has worked at UBS since 2022. Prior to her advisory role, she attended the University of California, Santa Barbara and has experience in other sectors including retail. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Emily Chan is a financial advisor with Ameriprise in San Anselmo, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She previously worked at UBS Financial Services Inc. for 10 years before joining Ameriprise in 2020. Outside of her advisory work, Chan provides pro bono financial advice and planning to low-income immigrants through the nonprofit Serving Others Worldwide (S.O.W.). Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement who meet specific asset criteria, combining research-driven modeling and tax-efficiency analysis to generate tailored recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Ricardo Martell Jr. is a financial advisor at Morgan Stanley in Oakland, CA, with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Kevin Fernandez is a Wealth Management Advisor with Merrill in San Francisco, specializing in providing focused attention and one-on-one guidance to wealth creators, including senior executives with complex equity compensation needs. He offers expertise in areas such as executive trading plans, stock options, tax-minimization strategies, corporate benefits, corporate executive services, equity compensation services, and portfolio management services. Kevin and his team aim to create unified financial approaches that address both personal and professional financial aspects, delivering personalized wealth management strategies supported by insights from Merrill and access to banking services through Bank of America. Kevin holds a Bachelor's Degree from the University of Arizona and has earned professional designations including Accredited Portfolio Management Advisor (APMA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). His service approach is rooted in a commitment to building lasting and personal client relationships, focusing on managing wealth effectively so clients can dedicate their time to higher-value activities. Outside of his professional role, Kevin enjoys spending time with his wife Meghan and their children, Faye and Jack. He engages in personal interests such as biking, golfing, music, and traveling. He also participates in community organizations including Noe Valley Chamber Music and The Olympic Club.

David Stickney is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has worked at Merrill since 1986 and Bank of America, N.A. since 2011. Outside of his advisory work, he is involved with Carry U II, LLC, a single-asset LLC that owns a recreational boat. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Donna Mccusker is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 63 designation and 42 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of her advisory role, she serves on the San Rafael Fire Commission, attending monthly meetings to discuss fire department activities and community service improvements. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and engages in diverse investment activities, including relationships with investment companies and private funds.

Bruce Stuart is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of his advisory role, he writes and manages a website dedicated to serial fiction and serves as a board member for Albany Law School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional offerings with specialized advisory and financial planning services.

Meghan Miller is a financial advisor with Morgan Stanley in Oakland, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley since 2016 and at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.