William Caddick Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has an investment-related interest in single-family real estate ownership. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset criteria, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering customized, algorithm-assisted retirement income recommendations.

Paul Genco is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2015, with a three-year period at Brown Brothers Harriman from 2017 to 2020. 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 plans, corporations, and charitable organizations.

Kristian Pavlov is a financial advisor with LPL Financial based in San Francisco, CA. He holds a Series 66 designation and has nine years of industry experience. His work history includes roles at Patelco Credit Union, JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and CUSO Financial Services. 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 provides a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by research and various model portfolios.

John Gallagher is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at J.P. Morgan Securities since 2009 and JPMorgan Chase Bank, N.A. since 2010. 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.

Andrew Busche is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at J.P. Morgan Private Bank and Bridgetown Wealth Management. He attended the University of Oregon from 2021 to 2025. 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.

Bradford Shaffer is a financial advisor with UBS Financial Services in San Francisco, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with UBS since 2008. Outside of his advisory work, he is involved in a private jet charter business as a pilot. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody services.

Matthew Sattler is a CFP® professional with nine years of industry experience, currently affiliated with Charles Schwab in Corte Madera, CA. His prior experience includes roles at Edward Jones and IntegenX Inc. Outside of his advisory work, he rents out a room in his primary residence. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and managed-account services, delivering investment guidance via a combination of non-discretionary advice and discretionary separately managed accounts.

Sennai Abbay is a financial advisor at UBS Financial Services with 14 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank N.A. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining wealth management with institutional trading capabilities and proprietary research to tailor investment plans according to clients’ goals and risk tolerances.

Monica Bunawan is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at CETERA Advisor Networks LLC for six years before joining Morgan Stanley in 2022. 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 focused on tailored financial planning, managing approximately $2.74 trillion in client assets.

Coleman Clemons is a financial advisor with Equitable Advisors based in San Francisco, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, his work history includes roles in automotive sales and retail. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively with LPL-sponsored programs and third-party managers.

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.

Majid Saber is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 13 years at Wells Fargo Bank, N.A., and he has been with J.P. Morgan Securities since 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

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® with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds the Series 66 designation and is based in Oakland, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.