Robert Tracy is a CFP® professional affiliated with LPL Financial, with 19 years of industry experience. His prior work includes roles at Lincoln Financial Securities, Massachusetts Mutual Life Insurance Company, Metlife Securities Inc., and New England Securities. Outside of his financial advising activities, he is a co-owner of a business that buys and sells sports cards and memorabilia. 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 variety of investment strategies and advisory services supported by extensive operational tools and manages over $819 billion in discretionary assets through a large network of advisors.

Matthew Dennis is a financial advisor with LPL Financial in Foster City, CA, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior roles include positions at MML Investors Services LLC and MassMutual Life Insurance Company, where he worked for nine years. Outside of his advisory work, he is involved as a security agent for Matador Risk. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Kevin Lonergan is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His prior work includes roles at Lincoln Financial Securities Corporation, Mass Mutual Investors Services, Massmutual Life Insurance Co, Metlife Securities Inc., and New England Securities. Outside of advising, he is the owner of Hazy Hen Endeavors LLC, a non-investment-related business. 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 range of financial planning and portfolio management services, leveraging model portfolios, third-party subadvisors, and customized strategies across strategic and tactical allocations.

Esfandiar Zartoshty is a financial advisor with LPL Financial in Foster City, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Mass Mutual Pacific and Vector Insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning and asset management solutions through its network of investment adviser representatives, utilizing model portfolios and customized strategies supported by proprietary research and technology tools.

Caryn Augst is a CFP® professional affiliated with LPL Financial, bringing 39 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. She also spends time managing a Pacific Wealth Management Group business affiliated with LPL and is involved in selling fixed insurance and fixed annuities. 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 management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Kathryn Holland is a CFP® with nine years of experience in the financial services industry. She has worked at LPL Financial since 2023 and previously held roles at Fremont Bank, Edward Jones, International Research Securities, Inc., and APEX Movement. Outside of her advisory work, she is involved in youth hockey through scorekeeping and coaching and operates an Etsy store as a designer and creator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of advisors.