Janet Alsup is a financial advisor at Morgan Stanley in San Francisco, holding Series 63 and Series 65 licenses with 28 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she serves as a trustee for a trust based in Fremont, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model outcomes.

Richard Patrick V is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials. He has been in the industry since 2025, with prior experience in a variety of roles including positions at Verdagy Inc and University of California-Santa Cruz. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Gordon Semeniuk is a financial advisor at UBS Financial Services with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 1999. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment plans.

Olivia Born is a financial advisor at Charles Schwab & Co., Inc. with a Series 66 credential and one year of experience at the firm. Her prior work experience includes roles outside of finance, such as positions at Jackson Family Wines, RH, and Quail & Condor Bakery. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and utilizes multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Ralph Garcia is a financial advisor with Wells Fargo Advisors in San Francisco, CA, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. He has held prior roles within Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Outside of his advisory work, Garcia serves as an assistant track coach at Aragon High School. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and tools to develop tailored client recommendations.

Elijah Singstad is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and has four years of industry experience. His work history includes multiple periods at Morgan Stanley Smith Barney LLC and brief roles at Cetera Investment Services LLC and Foresters Financial Services, Inc., along with six years dedicated to full-time education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm offers a range of advisory programs and tailored financial planning services to individuals and institutional clients, utilizing structured planning tools and analytics developed by its Global Investment Committee.

Rory Springfield is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in guiding clients through diverse investment environments. Since beginning his financial career in 1999, Rory has developed expertise in family wealth management strategies, retirement income planning, tax minimization, portfolio management, and supporting clients through significant life transitions such as divorce and managing new wealth. He serves as the New Issue Equity Coordinator for the San Francisco SC Office since 2007 and has been the lead advisor of his team since 2009. Rory holds the Chartered Financial Analyst® (CFA®) designation since 2006, along with certifications as a Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a master's degree in business administration from Saint Mary’s College of California and a bachelor's degree in civil engineering from the University of Nevada, Reno. His approach emphasizes simplifying the investment experience and bringing clarity to clients’ financial lives through personalized wealth plans aligned with their individual goals and priorities. In addition to his professional focus, Rory is actively involved in his community through coaching youth sports and participating in charitable organizations such as JDRF and Kentfield in Kids. He lives in Marin with his wife, Diane, and their two children, Spencer and Scarlett. Rory’s personal interests include golf, tennis, hiking, skiing, running, dining out, and enjoying good wines.

Olivia Strikowsky is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2023. Olivia’s background includes time at Raymonds Restaurant Corp and Cornell University. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund 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.

Brian Foster is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2012. Outside of his advisory role, Foster owns Blue North Financial, LLC, and serves on the finance committee of the Broken Top Community Club, an outdoor activities organization. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk, and wealth-transfer strategies, among others. The firm uses proprietary research and planning tools to develop tailored recommendations, with clients able to implement those recommendations through various brokerage or advisory programs.

Carlos Reyes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank NA, Uber, and Lift. Reyes owns several rental properties managed by third-party companies. 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 broker-dealer and investment adviser registrations, delivering non-discretionary advisory services supported by centralized due diligence and in-house manager solutions.

Gurpreet Singh is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, Bank of America, Tri Counties Bank, and The Vanguard Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios and fund advisory services.

Andrew Baumgartner is a financial advisor at UBS Financial Services with 14 years of industry experience. His prior roles include positions at MBSC Securities Corporation, BNY Mellon Wealth Management, Wells Fargo Advisors LLC, and Wells Fargo Bank. He holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions. The firm leverages proprietary research and model-based asset allocation to tailor financial plans to client goals and risk tolerances.

Charles Lewis is a financial advisor at Merrill with 46 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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, and various institutional investors.

Michael Rennels serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1987, he has developed extensive experience in retirement plan design and financial strategy, supporting both plan sponsors and participants in achieving objective-based retirement outcomes. His expertise includes employee benefits planning, investment consulting for defined contribution plans, and socially responsible, values-based, and ESG investing. Michael holds a bachelor’s degree in Economics and Accounting from the University of California, Santa Barbara, and an MBA from California State University, Chico. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Michael is active in the tennis and softball communities as a player and coach. He is a member of the USSSA and USTA organizations and dedicates part of his time to coaching competitive tennis and softball teams.

Judy Wang is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of her advisory role, she owns a rental property in San Bruno, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Patrick Torrey is a financial advisor at Charles Schwab with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2010 and 2012, respectively. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Thomas Judson IV is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, he serves as a youth soccer referee for the East Bay Eclipse Soccer Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning supported by proprietary tools and employs a structured discovery process to develop client plans.

Ramona Gerber is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill in 2022, she worked at Four Star Realty and held positions at the University of Colorado Boulder and Menlo Atherton High 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 for individuals, high-net-worth clients, and institutional accounts.

Stephen Mc Carthy is a financial advisor with J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 designations and five years of industry experience. He previously worked at the Commonwealth Bank of Australia for six years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm’s Institutional Consulting Services program offers non-discretionary advice focused on asset allocation, manager searches, and customized performance reporting, applying an ESG eligibility framework when recommending investment strategies.

Heather Einhell is a financial advisor with Charles Schwab in San Mateo, CA, holding a Series 66 license and nine years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2018 and previously worked at Fidelity Brokerage Services and the Workers' Compensation Insurance Rating Bureau. 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 related managed accounts and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.