Lorenzo Patron is a financial advisor at Merrill with Series 66 and Series 63 licenses and one year of industry experience. He has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. His background includes roles across financial services and other industries, including Starbucks Coffee Company and Jones Lang LaSalle. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sohail Naji is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on helping clients identify what matters most to them and their families in order to develop personalized strategies aimed at achieving their financial goals. Sohail holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Loyola Marymount University. His approach centers on collaborating closely with clients to uncover their priorities and create tailored financial plans.

Shinda Bickham is a financial advisor at UBS Financial Services with four years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at Build Asset Management, Aura Financial LLC, and BlackRock. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Jonathan Harris is a financial advisor with Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been associated with various Morgan Stanley entities since 1996, including Morgan Stanley \& Co., Incorporated, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 employs a structured planning process supported by firm-approved tools and models.

Drew Corradini is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2009 and JPMorgan Chase Bank since 2010. 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 operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Brian Brightbill II is a financial advisor at LPL Enterprise with 20 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in financial planning through Bridgewater Partners Insurance and Financial Services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations, offering financial planning, consulting, and access to various advisory and brokerage programs. The firm integrates adviser programs with insurance sales and collateralized lending services, employing a platform that combines in-house and third-party investment management solutions.

Jason Laskey is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 66 and Series 63 designations and five years of industry experience. He has been with Wells Fargo Clearing since 1999. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Jonas Abulencia is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2018, following a nine-year tenure at UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and combines in-house and third-party investment managers to tailor portfolios according to clients’ risk profiles.

Mitchell Waxman is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and bringing nine years of industry experience. He has worked with Morgan Stanley since 2018 and was previously affiliated with the Kellogg School of Management from 2016 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to assist clients, while generally acting in an advisory capacity.

Charles Lin is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill. Lin is also employed by JPMorgan Chase Bank, where he offers certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities.

David Tan is a financial advisor with Ameriprise in San Francisco, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining Ameriprise in 2022, he worked at J.P. Morgan Securities and JPMorgan Chase Bank. He serves as president of the Visitation Valley Elementary School PTA. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Jeffrey Limeta is a financial advisor at Fidelity with Series 63 and Series 66 licenses and three years of industry experience. Before joining Fidelity in 2025, he worked at JPMorgan Chase Bank, N.A., and J.P. Morgan Securities from 2023 to 2025, and prior to that was employed at Cover Financial. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to both retail and institutional clients. Its investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, delivering diversified model portfolios composed of mutual funds, ETFs, and ETPs.

Tristan Ludwig serves as Vice President and Financial Consultant. He has been with Fidelity Investments since 2015 in this role. Prior to that, he worked as a Financial Consultant at E*TRADE Financial from 2012 to 2015. Tristan focuses on retirement planning and tax-efficient investment strategies. He emphasizes working closely with clients to understand their individual financial goals and collaborates with them to develop personalized financial plans. He also provides regular reviews to keep clients informed about current risks and opportunities in the economic landscape. Tristan holds a California Insurance License.

Jackson Aguilar is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has prior work experience at JPMorgan Chase Bank, Creative Arts Charter School, Loyola University Maryland, Cerberus Operations and Advisory Company, and Zeta Consulting Executive Search. 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. The firm delivers its program on a non-discretionary basis and combines large institutional advisory operations with broker-dealer and investment adviser registrations.

Gary Raczkowski 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 2008 and concurrently at JPMorgan Chase Bank since 2010. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset allocation with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Bryce McConnell is a financial advisor at Morgan Stanley in San Rafael, CA, holding Series 63 and Series 65 credentials with 25 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs that include tailored financial planning and extensive investment services. The firm uses structured planning tools and models to assist clients and manages approximately $2.74 trillion in client assets.

Juliette Browne is a financial advisor at Merrill with a Series 66 designation and has been in the industry since 2025. She has held prior roles at Intellectus Partners, Jefferies, and Fortress Investment Group. Outside of her advisory work, she is involved with Steps Lacrosse and has teaching experience at Stanford University and Sacred Heart Preparatory School. 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 a range of model-based and discretionary investment strategies serving individuals, high-net-worth clients, and institutional accounts.

William Marshall is a financial advisor with RBC Capital Markets based in San Francisco, CA. He holds Series 63 and Series 65 licenses and has 36 years of industry experience. Prior to his current role, he has worked at City National Bank since 2016 and RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with customizable investment strategies and portfolio management services supported by in-house and third-party managers.

Marygrace Elizondo is a CFP®-credentialed advisor with 38 years of industry experience, currently with LPL Financial since 2001. She operates Whitecap Insurance Services, an insurance agency she co-manages with her husband. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Elizabeth Garcia is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has worked at firms including First Republic Securities Company and J.P. Morgan Securities. Garcia currently serves clients in the San Francisco, CA area. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes, serving primarily in an advisory capacity.