Rishi Lekkala is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining J.P. Morgan Securities and JPMORGAN Chase Bank, N.A., he had roles at KPMG LLP and Petventive Care. 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 a team of Wealth Advisors. The firm combines institutional advisory capabilities with broker-dealer and investment management functions, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

John Johnston Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. He has been affiliated with Morgan Stanley and its related entities since 2005, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Sean Lucke is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked within various J.P. Morgan entities since 2015. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and integrates an ESG eligibility framework in its recommendations.

Eva Agi is a CFP®-designated financial advisor with six years of industry experience. She is currently with UBS Financial Services and has prior experience at Gerber Kawasaki Wealth & Investment Management and other firms. In addition to her advisory work, she also provides accounting services and acts as a liaison between clients and CPAs through GK Tax and Accounting. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances.

Annie Reese is a CFP® with four years of industry experience, currently serving at Charles Schwab in Oakland, CA. Her prior work includes roles at TD Ameritrade and Charles Schwab Bank. Outside of finance, she has experience with Mercy Ships International and student activities at Texas A&M University. Charles Schwab & Co., Inc. serves a large client base, 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 provides integrated brokerage, custody, and cash-sweep services.

William Lukach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 37 years of industry experience. His prior experience includes roles at Merrill and Bank of America, where he worked for nearly a decade each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Peter Welch is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His career includes roles at Fisher Investments and First Republic Securities Company, LLC. He also has experience with First Republic Investment Management, Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jan Pekalski is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 19 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and advanced modeling tools but does not include individual security recommendations in its standalone planning service.

Michael Baumer is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 license and 24 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and has prior experience at Citigroup Global Markets. Outside of his advisory role, Baumer is involved as a partner and chief financial officer in multiple investment-related entities and trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and models outcomes through established methods while serving primarily in an advisory capacity.

Ryan Wiegmann is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2013 and 2015, respectively. Charles Schwab & Co., Inc. serves a large client base primarily consisting 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, supported by multi-asset model portfolios and due diligence on alternative investments.

Patrick Prendergast is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Merrill, he held positions at several organizations including Florida Craft Distributors, Harvey's, Alku, and Bentley University. Outside of his advisory role, he assists a marketing LLC with operational tasks such as invoicing and account setup. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Charles Wilmoth is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 designations and 31 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, Wilmoth serves on the boards of the Glaucoma Research Foundation and the Community Housing Foundation of Mill Valley, where he is also involved in finance and fundraising committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies to assist clients in developing financial plans.

Yu Fan Chiang is a financial advisor at Stifel with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with Stifel since 2015. Based in San Francisco, CA, Chiang’s career background is centered on his long tenure at Stifel. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Christopher Roth is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2017 and previously worked at UBS Financial Services from 2001 to 2017. Roth holds the Series 66 designation and is based in San Francisco, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Gregory Young is a financial advisor at Stifel with 41 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2011 and holds Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to guide asset allocation, retirement, insurance, and estate planning analyses.

Kristopher Ho is a financial advisor at Equitable Advisors with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Equitable Advisors since 2017, including time at AXA-Advisors. He serves as a board member of the Wah Mei School in San Francisco. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and third-party managers, maintaining a significant portion of its assets under non-discretionary management.

Daniel Wing is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wing has been affiliated with Wells Fargo bank since 2003. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers.

David Mucha is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at First Republic Investment Management and UBS Financial Services. His current role is based in San Francisco, CA. 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 supported by research from Wells Fargo Investment Institute.

Matthew Carter is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 credential and two years of industry experience. His background includes service in the United States Army from 2013 to 2019 and employment with the San Francisco Giants. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its financial planning process.

Charles Terrazas is a Senior Financial Advisor at Merrill Lynch Wealth Management and a senior member of the team Reilly, Terrazas, Krone and Associates. He has been with Bank of America since 1981, beginning his career as an Institutional Fixed Income Sales Representative and later joining the Ultra High Net Worth Sales Group in 2005. In his current role, he manages and advises key individual accounts and develops proprietary portfolio strategies for a diverse group of clients including Silicon Valley entrepreneurs, physicians, attorneys, entertainment and sports personalities, and multiple generations of successful families. Mr. Terrazas's expertise includes fixed income portfolio construction and management, institutional sales, and developing investment strategies in multi-currency fixed income markets. He started his career providing guidance to Foreign Central Banks and later worked in London with Credit Suisse First Boston. His experience also includes roles in institutional fixed income trading. He holds the Personal Investment Advisor designation and earned a Juris Doctor degree from Golden Gate University School of Law. He lives in Mill Valley with his wife, Camille, and has interests in baseball, golf, tennis, and spending time with his family.