Rio Huerta is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, UBS, Target, and Taco Bell. J.P. Morgan Securities LLC provides institutional consulting services primarily to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

John Amaral is a financial advisor at Merrill with 33 years of industry experience. He has been with Merrill since 1991 and holds the Series 63 designation. 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 and profit-sharing plans, corporations, and charitable organizations.

Miles Hurd is a Series 66 licensed financial advisor with Morgan Stanley in San Francisco, CA, and has three years of industry experience. His prior roles include positions at KeyBank and Morgan Stanley Smith Barney LLC, as well as experience outside the financial industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market simulations.

Samantha Downey is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds the Series 66 designation and previously worked at JPMorgan Chase Bank, N.A., and conducted research at NORC at the University of Chicago. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment recommendations.

Shelby Sterling is a financial advisor at J.P. Morgan Securities with eight years of industry experience. Sterling holds Series 63 and Series 65 licenses and has worked at firms including First Republic Investment Management, LendingHome Funding Corp, and Charles Schwab. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Natalie Kaylor is a financial advisor at Morgan Stanley in San Francisco, holding a Series 66 designation with eight years of industry experience. She has been with Morgan Stanley since 2017, following a brief tenure at Jasper Ridge Partners the same year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and extensive asset management.

Andrea Camahort is a financial advisor with Morgan Stanley in San Rafael, CA, holding a Series 66 designation and five years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she owns MRJ Home Staging Designs, a home staging business based in Hercules, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including Corporate Financial Planning agreements.

Alejandro Hernandez is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Fidelity Investments, J.P. Morgan Securities, JPMorgan Chase Bank, Wells Fargo, and H&R Block. 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 employs a structured financial planning process using firm-approved tools and methodologies.

Qwendalynn Lai is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at several firms, including First Citizens Investor Services and Silicon Valley Bank. Her career includes multiple roles within Wells Fargo entities since 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics in its investment approach.

Molly Galasso is a financial advisor with Morgan Stanley in San Francisco, holding a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019. Prior to her financial advisory career, she operated a self-employed fitness business for four years. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that use structured discovery processes and advanced modeling tools.

Daniel Mccormick is a financial advisor with Morgan Stanley in San Francisco, CA, holding a Series 66 designation and 21 years of industry experience. His tenure at Morgan Stanley and its affiliates spans from 2009 to the present. He serves as an advisory board member for the District Budget Advisory Committee in the Lafayette School District. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and emphasizes advisory services without individual security recommendations as part of its standalone financial planning.

Lene Thompson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. She has worked at First Republic Securities, First Republic Investment Management, Abbot Downing, and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program.

Westley Cai is a financial advisor at Morgan Stanley in San Francisco, CA, holding Series 63 and Series 65 licenses with seven years of industry experience. He previously worked at Charles Schwab and The Flash Corporation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves 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 structured planning tools, such as Monte Carlo simulations, to model investment outcomes.

Nicole McKay is a Wealth Management Senior Relationship Manager at Fidelity Investments, where she has worked since 2006. In her current role, she serves as a single point of contact for affluent families, focusing on helping them grow, preserve, and transfer their wealth. She emphasizes forming strong relationships with her clients and their families to maintain trust and reliability. Her professional experience includes roles as a Wealth Management Relationship Manager and Financial Representative at Fidelity Investments. Nicole is licensed with the California Insurance License, supporting her expertise in financial and insurance matters. Outside of her professional work, Nicole's personal interests include spending time at the beach, hiking, and parenthood.

Patrick Taylor is a CFP® with 15 years of experience in financial advising. He has been with Morgan Stanley since 2013 and currently works at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Ann Fitzpatrick is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as vice president and secretary of her residential homeowners association and participates in market research focus groups. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit options in its investment menus.

Deanna Aghai Yazdy is a financial advisor with J.P. Morgan Securities in San Francisco, holding a Series 66 designation and two years of industry experience. Her prior experience includes roles at Morgan Stanley and JPMorgan Chase Bank, N.A., as well as positions in venture and corporate settings. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment process and offers non-discretionary advisory services delivered by a select group of Wealth Advisors.

Miles Weinberger is a financial advisor at J.P. Morgan Securities in San Francisco, holding Series 63 and Series 65 licenses with six years of industry experience. His work history includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank NA, JPMorgan Private Bank, Aspiriant LLC, and Intersect Capital LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm incorporates ESG criteria into its investment recommendations and offers services on a non-discretionary basis.

Matthew Tarantino is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2018. Prior to this, he worked at the University of the Pacific from 2016 to 2018. Outside of advising, he serves as an assistant baseball coach at Marin Sports Academy. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios and research from internal and third-party sources.

Hsiu Hsin Yao is a financial advisor at UBS Financial Services with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client solutions.