Brian Gallagher is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at AmeriCan Adventures from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Johnson is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 66 licenses with 17 years of industry experience. He previously worked at Blackrock Investments, LLC for 13 years before joining Morgan Stanley and its Private Bank division in 2025. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and models to support outcomes, with clients responsible for implementation and updates.

Meera Raman is a Series 66-licensed financial advisor with 12 years of industry experience. She has worked at Morgan Stanley since 2024 and previously held roles at J.P. Morgan Securities, First Republic Securities Company, LLC, First Republic Investment Management, Inc., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct financial planning and Corporate Financial Planning agreements with employers.

Raphael Anaya is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and eight years of industry experience. His career includes positions at Wells Fargo, Mechanics Bank/LPL, and JP Morgan Chase, as well as a brief role outside finance at Mariachi Mexican Grill. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment options alongside integrated brokerage, custody, and financial planning services.

Joseph Wraga is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with various Schwab entities since 2013, including Charles Schwab Trust Bank and Charles Schwab Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base of 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 discretionary separately managed accounts, leveraging multi-asset model portfolios and alternative investment options.

Andrew Cooper III is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1993 to 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Markus Stephens is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 designations and eight years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC from 2018 to 2021. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Colin Murphy is a financial advisor at Morgan Stanley with eight years of industry experience. He holds the Series 66 designation and has worked at First Republic Bank and its related entities prior to joining Morgan Stanley in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through financial advisors and specialized estate planning groups.

Adam Knott is a financial advisor at LPL Financial based in San Francisco, CA, with 20 years of industry experience. He previously worked at Citigroup Global Markets for 17 years and has been affiliated with both LPL Financial and BMO Harris Bank since 2024. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Margaret Reid is a CFA® charterholder and financial advisor with 9 years of industry experience. She is currently with LPL Financial and also maintains a role at BMO Harris Bank. Her prior experience includes positions at Citigroup and MUFG Union Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Angel Chavez is a financial advisor with Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Chavez is involved in a non-investment-related outside business based in San Francisco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured tools and models, managing approximately $2.74 trillion in client assets.

Cristiana Da Silva is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The program focuses on non‑discretionary written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.

Arben Arifi is a financial advisor at J.P. Morgan Securities in San Francisco, CA, with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and JP Morgan Securities since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Claudia Correa is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and economic modeling.

John Ritchie is a CFP® with 27 years of industry experience, currently advising clients at Ameriprise in San Francisco. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Shriber is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at LPL Financial, Resolute Investment Distributors, Resolute Investment Services, and American Beacon Advisors. He is a member of the finance committee at École Notre Dame des Victoires in San Francisco. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Candice Soutas is a financial advisor with Wells Fargo Clearing in San Francisco, holding a Series 66 designation and 14 years of industry experience. 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 both brokerage and advisory solutions, relying on research and analytics to support its investment approach.

Yun Doreen Ge is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan in various capacities since 2011. Outside of her advisory role, she is involved as a passive investor in several LLCs that manage rental properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework.

Christopher Vetrano is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Francisco, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at Raymond James and its affiliated firms since 2016 and was previously with Wells Fargo Clearing. Outside of advisory roles, he is involved with Elevon Wealth Management in an operations capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and employs analytical tools such as risk profiling and modeling to guide client recommendations.

Monica Ambrose is a financial advisor at Wells Fargo Clearing with one year of industry experience. She holds the Series 66 designation and has prior work experience at Athleta from 2017 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.