Thomas Mullen is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including 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 modeling techniques to support its financial planning services.

Stephen Valentine is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on college education planning, managing new wealth, personal retirement planning, and retirement income. Stephen partners with individuals, families, and business owners to create tailored strategies designed to help them pursue their financial goals while navigating important life milestones. His approach emphasizes education, personalized advice, and client service. With six years of experience in the financial services industry, Stephen provides guidance to clients through various financial situations and life transitions. Prior to becoming a Financial Advisor, he worked as a Banker with Chase Bank and as a Client Service Associate with Morgan Stanley. These roles helped establish his foundation in banking, investing, and client service, which inform his holistic approach to financial planning. Stephen holds a Bachelor's Degree from the University of California System and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he enjoys cooking, playing pickleball, traveling, hiking, and spending time with his wife and family.

Michael Welch is a financial advisor with Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill, as well as Bank of America. Morgan Stanley Wealth Management serves individuals and institutional clients with a broad range of advisory programs, 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.

Ann Chen is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms including JPMorgan Chase Bank, Charles Schwab, Fremont Bank, New York Life Insurance, and Massachusetts Mutual Life Insurance. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis.

Brett Goldstein is a financial advisor with Raymond James & Associates, holding Series 65 and Series 63 licenses and bringing 22 years of industry experience. He previously worked for Interactive Brokers Corp for 13 years before joining Raymond James. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

Harold Hendricks is a CFP® with 41 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he serves as co-trustee for a family investment trust. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Paul Granucci is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A. and Merrill since 2010. Outside of his advisory role, he serves as a trustee for the 2004 G Revocable Trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Coufal is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2021. Prior to that, he was with ICONIQ Capital LLC from 2019 to 2021. 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 select group of Wealth Advisors. The firm integrates institutional advisory operations with brokerage and investment management capabilities.

Vanessa Jennings is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2016. She holds the Series 63 and Series 66 licenses and is based in San Rafael, CA. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Matthew Ricketts is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following 12 years at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and structured financial planning, managing approximately $2.74 trillion in client assets.

David Traverso is a financial advisor with Morgan Stanley in Oakland, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Lars Derr is a financial advisor with Charles Schwab holding a Series 66 credential and beginning his industry career in 2025. Prior to joining Schwab, he held positions at the Tschetter Group and the Seattle Mariners, and has experience in education and entrepreneurial ventures including PersonalUmbrella.com. 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 and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized structure that supports a high client-to-advisor ratio.

Jhonny Kreidi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His previous roles include positions at Bank of America, Mass Mutual Investors Services, and NYLife Securities. Outside of finance, he has worked in retail at Flares Bridal And Formal. Merrill, along 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Rachel Harris is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2013. Merrill, along 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.

Jennifer Nelson is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Waicheuk Chan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors since 1999, including its prior iteration as AXA Advisors. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm employs a model-based and third-party asset manager approach without sponsoring its own wrap fee program.

Matthew Forrey is a financial advisor with RBC Capital Markets in Walnut Creek, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Wells Fargo Advisors and City National Bank. He also serves as a trustee in a family trust. RBC Wealth Management, a division of RBC Capital Markets, provides advisory and brokerage services to a diverse client base, offering customized portfolio management through a combination of in-house and third-party investment managers and programs tailored to clients’ risk profiles.

Kara Belasco is a financial advisor with Merrill and holds the Series 66 designation. She has 18 years of industry experience and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011 and Bank of America since 2021. Outside of her advisory work, she serves as treasurer for a youth soccer team with Mustang Soccer, a nonprofit organization. Merrill, along 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 various institutional investors.

Leo Boyle is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has prior roles including positions at Nugget Markets and Center of Effort. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and employs various tools, including asset-allocation models and automated rebalancing, to construct diversified portfolios.

Timothy Sanchez is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an assistant wrestling coach at Northgate High School. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services for individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques, offering advisory services primarily in a non-fiduciary capacity unless otherwise engaged.