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 with 20 years of industry experience. He previously worked at Citigroup Global Markets for 17 years and has held roles at BMO Harris Bank since 2024. He holds Series 63 and Series 66 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Margaret Reid is a CFA® charterholder with nine years of industry experience. She is currently affiliated with LPL Financial and BMO Harris Bank, with previous roles at Citigroup and MUFG Union Bank. Reid is based in San Francisco, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

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 65 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Da Silva is based in San Francisco, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Arben Arifi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and JP Morgan Securities LLC since 2013. 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 brokerage, distribution, and investment management capabilities.

Claudia Correa is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 15 years of industry experience. She previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Morgan Stanley Smith Barney LLC in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

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 at Wells Fargo Clearing with 13 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following 16 years with WELLS FARGO Advisors, LLC. 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 process 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.

Yun Doreen Ge is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. She has been with J.P. Morgan Securities since 2017 and has involvement in several LLCs, primarily as a passive owner of rental property entities. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Christopher Vetrano is a financial advisor at Raymond James Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Advisors LLC for seven years. In addition to his advisory role, he is involved in operations at Elevon Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, corporate, and institutional clients. The firm uses analytical tools for tailored, non-discretionary planning and supports clients through a broad advisor network.

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.

Anthony Dadci is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 designations and eight years of industry experience. His career history includes positions at Bank of America, Wells Fargo Clearing Services LLC, and Wells Fargo Bank, NA. He also spent time teaching at California State University East Bay and Chabot College. 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, pension plans, corporations, and charitable organizations.

Marquez Parnell is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 66 credentials and two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at First Republic Bank, Wells Fargo Bank, and Nordstrom. Outside of his advisory role, he owns and operates Fudgel LLC, a local Bay Area business specializing in clothing decoration. J.P. Morgan Securities provides institutional consulting services to clients such as 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Keith Woodland is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he worked at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a variety of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Peter Nestor is a financial advisor at Morgan Stanley with seven years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley since 2018. Prior to that, he worked at Marcus & Millichap and TalentRocket, and he also has experience from Santa Clara University. Outside of his advisory role, he is involved in a recreational customer service business. Morgan Stanley Wealth Management offers a wide array of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides various investment and planning services through a large network of advisors.

Jason Lammert is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A. since 2025. Outside of his advisory work, Mr. Lammert is involved in youth sports coaching, serving as an assistant swim coach at Miramonte High School, and he is the CEO of a private tutoring company focused on middle and high school students. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering financial planning and wealth management services supported by firm-approved planning tools and a structured discovery process.

Louis Mc Cabe is a financial advisor at UBS Financial Services in San Francisco, CA, holding Series 63 and Series 65 licenses with seven years of industry experience. His prior work includes roles at Goldman Sachs & Co. LLC and PricewaterhouseCoopers LLP. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.