Andrew Tanenbaum is a financial advisor at Wells Fargo Clearing with a Series 66 designation and over a decade of experience in the financial industry, including prior roles at MUFG Union Bank. He holds a law license and maintains involvement in continuing legal education. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and both discretionary and non-discretionary options tailored to plan objectives and risk tolerances. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Michael Mccormack is a financial advisor at OSAIC with 37 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 27 years before joining OSAIC in 2025. Outside of his advisory role, he owns a real estate management LLC and is involved in insurance and life settlement agencies. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm employs asset-allocation tools and offers a range of investment options and third-party services to support both discretionary and non-discretionary account management.

Tim Everhart is a CFP® professional with 18 years of industry experience, currently serving as an advisor at J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, N.A. since 2008. Outside of his advisory role, he owns a small e-commerce business selling sports cards. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Price is a CFA® charterholder with 24 years of industry experience. He has been with Edward Jones since 2026 and previously worked at Natixis Advisors, LLC for 19 years. Daniel is based in San Francisco, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kristin Boettger is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 2000. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Armand Brandt is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 license and five years of industry experience. He previously worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC, among other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Samuel Martinez is a Series 66 licensed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Bank of America, Wells Fargo, J.P. Morgan, and Citi, as well as involvement with Diamond Baseball Holdings LLC and the San Jose Giants. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Catherine Deane Gong is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and eight years of industry experience. Her background includes roles at TD Ameritrade and Charles Schwab Bank, with prior involvement in community and athletic organizations such as the Guadalupe-Nipomo Dunes Center and Cal Poly Athletics. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized operational structure.

Brianna Reyes is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation and with 11 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including 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 models to support its planning process.

Arnold Tang is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2013, including his current role starting in 2023. Tang also operates UBF Consulting, which refers companies interested in employee benefits, and sells fixed insurance products such as life, health, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Nicholas Thompson is a financial advisor at Edward Jones in San Francisco, CA, holding a Series 66 designation with four years of experience at Edward Jones and prior experience at AB InBev and Premium Retail Services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of account types. The firm manages approximately $1.01 trillion in assets, offering discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services through a large nationwide network of advisors and branch offices.

Timothy Cecchin is a financial advisor with RBC Capital Markets in San Francisco, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill. Outside of his advisory work, he is involved in residential rental property ownership. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and financial planning services.

Naing Lin is a CFP® and holds a Series 66 license, with seven years of experience in the financial services industry. He has worked at RBC Capital Markets since 2023 and previously held roles at First Republic Investment Management, Merrill, and Bank of America. His background also includes time at the University of California, Berkeley. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs with both discretionary and non-discretionary portfolio management, combining in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

Benjamin Pryden is a financial advisor with Wells Fargo Clearing in San Francisco, CA, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016, with an overall tenure at Wells Fargo Bank, N.A. dating back to 2008. Outside of his advisory role, he serves as a resident manager for Ham Delles Company Inc. and is an audit committee member for Petaluma Ecumenical Properties Housing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Victoria Hargrove is a financial advisor at UBS Financial Services with 37 years of industry experience. She holds the Series 63 and Series 66 designations and has been with UBS since 2015. 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 research-driven, tailored financial strategies.

Pallavi Iyer is a Series 66 credentialed financial advisor at Morgan Stanley with 13 years of industry experience. She has worked at Morgan Stanley since 2017 and previously spent three years with UBS Financial Services. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by proprietary tools and research, managing approximately $2.74 trillion in client assets.

Patrick Welsh is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation. He joined Morgan Stanley in 2025 and previously held various roles connected to California Polytechnic State University and other organizations. Outside of his advisory work, he was involved with Running Revolution from 2019 to 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to develop financial plans.

Emily Andrew is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009. 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, managing approximately $2.74 trillion in client assets.

Melinda Louie is a financial advisor at Charles Schwab with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple Schwab entities since 1998, including Charles Schwab Trust Bank, Charles Schwab Premiere Bank, and Charles Schwab Bank. 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 guidance supported by centralized custody and operational infrastructure.

Arthur Chow is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, Cambridge Investment Research Advisors, Northern Trust, Morgan Stanley, and The Vanguard Group. 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 and profit-sharing plans, corporations, and charitable organizations.