Nancy Barrett is a financial advisor with UBS Financial Services in San Francisco, CA, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. She has worked at Bank of America since 2011 and Merrill since 2010. Barrett serves as an advisory board member for the Fashion Incubator of San Francisco, a nonprofit supporting small business development. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans based on clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Matthew Wang is a financial advisor with Equitable Advisors in San Francisco, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Axa Advisors and involvement in the restaurant industry. Outside of advising, he has a health insurance-related business activity with Kaiser. 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 asset-management programs that utilize both proprietary and third-party solutions.

David Abril O'Brien is a financial advisor with Morgan Stanley based in San Francisco, CA. He holds Series 63 and Series 66 designations and has 15 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at Extract Capital Advisors for three years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Shaojun Fu is a financial advisor at Morgan Stanley in San Francisco, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2023, Shaojun spent seven years at Ding, Sun & Huang Law Office. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Steven Rocha is a Senior Financial Advisor at Merrill Lynch Wealth Management with a career spanning over 40 years, all spent within the firm. He serves clients by developing comprehensive financial strategies to manage their individual, business, and personal portfolios. His expertise encompasses areas such as investing, wealth transfer, planning, retirement analysis, and philanthropy, with a focus on helping clients navigate significant milestones in their financial lives and legacies. Mr. Rocha holds a Bachelor's degree in Economics from the University of California, Berkeley, and maintains the designation of Personal Investment Advisor (PIA). He joined the Merrill Lynch Wealth Management San Francisco office in 1980 and continues to draw on his extensive experience to provide tailored financial advisory services. Beyond his professional role, Steven participates in community organizations including the Alameda Boys and Girls Club and Women’s Dress for Success in San Francisco. He is also involved with several professional organizations such as the Guardmens of San Francisco, San Francisco Opera, San Francisco Symphony, and the Olympic Club Foundation.

Danielle Jansen is a financial advisor at Morgan Stanley with three years of industry experience and holds a Series 66 designation. She has worked at Morgan Stanley Smith Barney LLC since 2023 and previously at First Republic Securities Company and First Republic Investment Management. Prior to her finance career, she was employed at Four Barrel Coffee. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery processes and proprietary planning tools, focusing on advisory services without providing individual security recommendations as part of standalone plans.

Michael Hays is a financial advisor with Merrill in San Francisco, holding Series 63 and Series 66 licenses and 19 years of industry experience. He previously worked at JP Morgan Securities LLC and has been with Merrill and Bank of America since 2017. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luca Kennedy is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he has held various roles including a year with the Seattle Seahawks and positions at Santa Clara University and Seattle Fish Company. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a structured discovery process and a range of investment offerings.

Ephraim Calbert Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure alongside ongoing oversight of its investment models.

Russell Huebschle is a financial advisor at Morgan Stanley in Oakland, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has worked at Morgan Stanley since 2019, including time at Morgan Stanley Private Bank, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and research.

Nicholas Carlson is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with one year of experience at the firm. His prior work includes roles at Okta, Zendesk, eBay, and Broadmoor Golf Club, as well as positions related to education and investments. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Sarem Mukhtar is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 14 years of industry experience. Prior to joining Morgan Stanley in 2019, Mukhtar worked at Goldman, Sachs & Co. from 2011 to 2019. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Linda Moran is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. She has 16 years of industry experience, including roles at JPMorgan Chase Bank, N.A. and Bank of the West. Outside of her advisory work, she owns a social group focused on pickleball for lesbian and queer women in the East Bay and also works as a mobile notary on evenings and weekends. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment recommendations.

Timothy Roche is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His background includes roles at JPMorgan Securities, Citigroup, and U.S. Bancorp Investments. He is currently based in San Francisco, CA. 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 wide range of advisory and brokerage services, utilizing both proprietary and third-party investment strategies across large-scale institutional and individual platforms.

Alexander Day is a financial advisor with Equitable Advisors in San Francisco, CA. He holds a Series 66 designation and has two years of industry experience. Prior to joining Equitable Advisors, his work history includes roles outside the financial services sector. Equitable Advisors serves a broad client base including individuals of varying net worth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a range of third-party advisory programs and tools.

Yi Xing is a Senior Financial Advisor with the Ma Teigen Group at Merrill Lynch Wealth Management. She provides advice and guidance to a diverse clientele, including many wealthy Asian families, supporting multiple generations as they navigate the American financial system. Yi collaborates with her team to establish clear paths toward client goals, focusing on making clients' financial lives more efficient. Her expertise includes managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategies, and retirement income planning. Yi began her financial services career in 2013, with experience at institutions such as J.P. Morgan, US Bancorp, and PNC Bank. She has served as a Financial Advisor since 2019 and holds professional designations including Personal Investment Advisor (PIA). Yi earned a Bachelor’s degree and an MBA in Economics from Ramon Magsaysay Technological University in the Philippines, as well as an MBA in Finance from Mercer University in Atlanta. She is fluent in Mandarin and proficient in Yue (Cantonese) and English. In addition to her professional role, Yi is actively involved in community organizations such as the Chinese University Alumni Association Alliance of Southern California, where she serves as Vice President of the Badminton Club, and the Badminton Club for the North America Chinese University Alumni Alliance. She and her husband are avid badminton players and members of the Los Angeles Badminton Club. They have a young daughter and enjoy spending time outdoors and exploring new destinations on weekends.

Neal Narahara is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with 20 years of industry experience. His prior experience includes roles at UBS Financial Services Inc from 2013 to 2023 and Morgan Stanley Private Bank, N.A. since 2023. 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 and financial planning services that utilize firm-approved tools and investment models to support client goals.

Joel Rizzo is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2018. His prior experience includes roles at Bank of America N.A., Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Tiongson is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Additionally, he is a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services through a large network of advisors, combining model portfolios, third-party management, and customized strategies with various operational and research support tools.

Nestor Nino is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and four years of industry experience. His prior roles include positions at TD Ameritrade/Charles Schwab and Wells Fargo. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a combination of quantitative asset-allocation modeling and centralized due diligence, incorporating an ESG eligibility framework when recommending strategies.