Adriana Molinar is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at Robert Sinskey Vineyards and Glass Onion Catering & Gourmet Foods, as well as six years in education. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs while managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery processes and firm-approved tools to support client planning.

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 Series 66-licensed financial advisor with LPL Financial, based in San Francisco, CA, and has 10 years of industry experience. His prior roles include positions at Patelco Credit Union, JPMorgan Chase Bank, J.P. Morgan Securities, Wells Fargo Bank, and CUSO Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

John Gallagher is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at J.P. Morgan Securities since 2009 and at JPMorgan Chase Bank, N.A. since 2010, following 12 years at Citigroup Global Markets. In addition to his advisory role, he is also an employee of JPMorgan Bank, which enables him to offer certain bank products and services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and may incorporate ESG considerations.

Andrew Busche is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Bridgetown Wealth Management and Jpmorgan Private Bank. Busche also attended the University of Oregon from 2021 to 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to develop model asset allocations and includes broader derivatives and commodities 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. He holds Series 63 and Series 66 designations. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank N.A. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides a range of services including financial planning, portfolio management, and capital markets activities, leveraging proprietary research and institutional trading capabilities.

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 wide range of advisory programs and financial planning services supported by structured planning tools and advanced modeling techniques.

Coleman Clemons is a financial advisor at 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 positions in automotive sales and retail. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives, utilizing both third-party and proprietary solutions.

Kyle Dowman is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He has worked at JPMorgan Chase Bank NA since 2019 and previously held roles at First Republic Bank and US Bancorp. He 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 plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s approach combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

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-licensed financial advisor with 19 years of industry experience. He has worked at UBS Financial Services since 2022 and previously held roles at Wells Fargo Clearing and Merrill. Hartmeyer serves on the audit committee for Oakland Children's Fairyland, a storybook theme park in Oakland, CA, where he assists in oversight of the annual audit process. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management and offers proprietary research and model-based asset allocation to tailor plans according to clients’ goals and risk tolerances.

Janet Chan is a financial advisor with Charles Schwab in San Francisco, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2012, following a year at Morgan Stanley. Charles Schwab & Co., Inc. serves a large client base of 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios, alternative investment due diligence, and integrated brokerage, custody, and cash-sweep services.

Majid Saber is a financial advisor with J.P. Morgan Securities in Oakland, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. He previously worked at Wells Fargo Bank, N.A. for 13 years before joining J.P. Morgan in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations and incorporates ESG criteria where applicable.

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 2011, with a brief break, and concurrently with Wells Fargo Bank N.A. since 2013. Pryden serves as Treasurer for the Santa Rosa Symphony Association and Secretary for the Redwood Empire Estate Planning Council. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets through a broad network of over 14,000 advisors, employing research and analytics alongside diversification principles and modern portfolio theory.

Rishi Lekkala is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and one year of industry experience. Prior to his current role, he worked at KPMG LLP and Petventive Care, with intermittent periods outside of employment. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

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 in San Francisco, holding Series 63 and Series 66 licenses and possessing 37 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets, Morgan Stanley Dw Inc., and Robertson Stephens, Inc. 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 and employs a structured financial planning process that utilizes firm-approved tools and modeling techniques to assist clients in developing tailored plans.