Kyle Dowman is a financial advisor at J.P. Morgan Securities with six years of industry experience. He has held positions at JPMorgan Securities LLC and JPMorgan Chase Bank since 2019, and previously worked at First Republic Bank and US Bancorp. Dowman serves as a board member and finance committee member for St. James Preschool, a nonprofit organization in San Francisco. 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 brokerage, distribution, and investment management capabilities.

Joseph Scanlon III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously spent ten years at Stifel Nicolaus & Co., Inc. in various advisory roles. Morgan Stanley Wealth Management provides a range 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 offers both direct and employer-based financial planning services.

Michael Hartmeyer is a Series 66-credentialed financial advisor with 19 years of industry experience, currently with UBS Financial Services since 2022. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors from 2014 to 2022. Outside of his advisory work, he serves on the audit committee of Oakland Children's Fairyland Inc., a storybook theme park focused on children's programming and community outreach. UBS Financial Services serves individual, corporate, and institutional clients through a broad range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research and customized financial planning and portfolio management.

Janet Chan is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2012. Charles Schwab & Co., Inc. serves 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 offers a combination of non-discretionary and discretionary investment options, leveraging multi-asset model portfolios and alternative investment programs within an integrated operational structure.

Sean Pryden is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank N.A. and Wells Fargo Advisors LLC. Pryden serves as Treasurer of the Santa Rosa Symphony Association and Secretary of the Redwood Empire Estate Planning Council. 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 investment vehicles, including insurance-related products and bank deposit sweep options.

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.

Benjamin Blake is a CFP® and holds a Series 66 license with 10 years of experience in the financial industry. He has been with Edward Jones since 2016, advising clients from the Oakland, CA area. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm offers a variety of advisory services, including discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

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.

Michelle Chen is a Financial Advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, she worked at Equitable Advisors and has a background including several years in education. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

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.

Patrick Prendergast is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has held various roles since 2015, including positions at Bentley University and several short-term engagements before joining Merrill in 2021. Outside of his advisory work, he assists with the operations of a marketing LLC, helping manage invoicing and business processes for the firm. 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, pension plans, corporations, and charitable organizations.

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.